SGLoanmart

23/08/2026

🏠 𝐍𝐃𝐑 𝟐𝟎𝟐𝟔: 𝐇𝐢𝐠𝐡𝐞𝐫 𝐈𝐧𝐜𝐨𝐦𝐞 𝐂𝐞𝐢𝐥𝐢𝐧𝐠𝐬 𝐟𝐨𝐫 𝐁𝐓𝐎 𝐅𝐥𝐚𝐭𝐬 & 𝐄𝐂𝐬⁣
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More Singaporeans may now qualify for subsidised housing and Executive Condominiums following the latest housing announcements.⁣
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Key changes include:⁣
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🏢𝐁𝐓𝐎 𝐢𝐧𝐜𝐨𝐦𝐞 𝐜𝐞𝐢𝐥𝐢𝐧𝐠:⁣
S$14,000 → 𝐒$𝟏𝟔,𝟎𝟎𝟎⁣
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🏙️ 𝐄𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐂𝐨𝐧𝐝𝐨𝐦𝐢𝐧𝐢𝐮𝐦 𝐢𝐧𝐜𝐨𝐦𝐞 𝐜𝐞𝐢𝐥𝐢𝐧𝐠:⁣
S$16,000 → 𝐒$𝟏𝟖,𝟎𝟎𝟎⁣
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👤 𝐒𝐢𝐧𝐠𝐥𝐞𝐬 𝐚𝐠𝐞𝐝 𝟑𝟓 𝐚𝐧𝐝 𝐚𝐛𝐨𝐯𝐞:⁣
S$7,000 → 𝐒$𝟖,𝟎𝟎𝟎⁣
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👨‍👩‍👧 𝐌𝐨𝐫𝐞 𝐁𝐓𝐎 𝐛𝐚𝐥𝐥𝐨𝐭 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐲 𝐟𝐨𝐫 𝐟𝐚𝐦𝐢𝐥𝐢𝐞𝐬 𝐰𝐢𝐭𝐡 𝐜𝐡𝐢𝐥𝐝𝐫𝐞𝐧⁣
From February 2027, eligible first-timer families will receive 𝐨𝐧𝐞 𝐚𝐝𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐛𝐚𝐥𝐥𝐨𝐭 𝐜𝐡𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐞𝐯𝐞𝐫𝐲 𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞𝐚𝐧 𝐜𝐡𝐢𝐥𝐝 𝐚𝐠𝐞𝐝 𝟏𝟖 𝐚𝐧𝐝 𝐛𝐞𝐥𝐨𝐰.⁣
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The revised HDB income ceilings will apply to eligible households applying for an HFE letter from 𝟐𝟒 𝐀𝐮𝐠𝐮𝐬𝐭 𝟐𝟎𝟐𝟔.⁣
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For couples who were previously just above the income limit, this could reopen the door to BTO or EC ownership.⁣
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Before making your move, remember to review more than just eligibility. Your CPF funds, monthly instalment, TDSR/MSR, loan amount and cash requirements all matter.⁣
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📩 Speak to 𝐒𝐆𝐋𝐨𝐚𝐧𝐌𝐚𝐫𝐭 to review your home financing options before committing to your next property.⁣
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18/08/2026

🏗️ 𝐅𝐫𝐨𝐦 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐢𝐚𝐥 𝐃𝐢𝐬𝐭𝐫𝐢𝐩𝐚𝐫𝐤 𝐭𝐨 𝐖𝐚𝐭𝐞𝐫𝐟𝐫𝐨𝐧𝐭 𝐋𝐢𝐯𝐢𝐧𝐠 — 𝐊𝐚𝐥𝐥𝐚𝐧𝐠 𝐈𝐬 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠⁣
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Another major transformation could be coming to Singapore's city fringe.⁣
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The 13ha Kallang Distripark is being prepared for redevelopment, with plans for 𝐭𝐡𝐫𝐞𝐞 𝐩𝐫𝐢𝐯𝐚𝐭𝐞 𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐩𝐥𝐨𝐭𝐬, 𝐚 𝐧𝐞𝐰 𝐧𝐞𝐢𝐠𝐡𝐛𝐨𝐮𝐫𝐡𝐨𝐨𝐝 𝐩𝐚𝐫𝐤 𝐚𝐧𝐝 𝐧𝐞𝐰 𝐫𝐨𝐚𝐝𝐬.⁣
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Based on analysts' estimates, the three sites could potentially yield around 𝟐,𝟐𝟓𝟎 𝐭𝐨 𝟐,𝟓𝟓𝟎 𝐧𝐞𝐰 𝐜𝐨𝐧𝐝𝐨𝐦𝐢𝐧𝐢𝐮𝐦 𝐮𝐧𝐢𝐭𝐬. 🏢⁣
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Why is this location interesting?⁣
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📍 Near Geylang Bahru MRT⁣
🌊 Waterfront setting along the Kallang River area⁣
🌳 Proposed 2ha neighbourhood park⁣
🏙️ City-fringe location⁣
🏠 Thousands of potential new private homes⁣
🏭 Possible retention of one iconic Lee Rubber Godown as a heritage landmark⁣
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What we're seeing is bigger than one new condominium project.⁣
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It's part of the continuing transformation of Kallang from 𝐨𝐥𝐝𝐞𝐫 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐢𝐚𝐥 𝐥𝐚𝐧𝐝 𝐢𝐧𝐭𝐨 𝐚 𝐧𝐞𝐰 𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐚𝐧𝐝 𝐥𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞 𝐩𝐫𝐞𝐜𝐢𝐧𝐜𝐭.⁣
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For property buyers and investors, such transformations are worth watching — new housing supply, infrastructure and amenities can gradually reshape the attractiveness and dynamics of an entire neighbourhood.⁣
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Thinking of your next property purchase?⁣
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🏠 Compare mortgage packages and calculate your affordability with SGLoanMart before making your move.⁣

Read more here: https://www.straitstimes.com/singapore/housing/kallang-distripark-set-to-be-redeveloped-for-thousands-of-new-private-homes
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Kallang Distripark is set for redevelopment into thousands of private homes with new parks and roads, preserving heritage elements in the vibrant waterfront area. Read more at straitstimes.com. Read more at straitstimes.com.

08/08/2026

𝐇𝐚𝐩𝐩𝐲 𝟔𝟏𝐬𝐭 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐃𝐚𝐲, 𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞! ❤️🤍⁣
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Home is more than four walls. It's where families grow, dreams take shape, and memories are made.⁣
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As Singapore celebrates 61 years of progress, resilience and unity, we at 𝐒𝐆𝐋𝐨𝐚𝐧𝐌𝐚𝐫𝐭 are grateful to be part of the journey — helping Singaporeans make smarter home financing decisions and find a place to call home. 🏡⁣
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Here's to building stronger foundations, creating more opportunities and moving forward together as one nation.⁣
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From all of us at 𝐒𝐆𝐋𝐨𝐚𝐧𝐌𝐚𝐫𝐭,⁣
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Happy National Day, Singapore!⁣
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Majulah Singapura!⁣
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04/08/2026

🏢 𝐖𝐞 𝐬𝐚𝐰 𝐭𝐡𝐢𝐬 𝐜𝐨𝐦𝐢𝐧𝐠.⁣
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Back in November 2025, SGLoanMart shared that the Government was reviewing Singapore's en bloc framework and discussed how changes could reshape the future of ageing condominiums.⁣
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📖 Read our earlier post:⁣
https://tinyurl.com/4rx2huxm
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Today, those proposed changes have taken another step forward.⁣
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Among the key proposals:⁣
• Lower consent thresholds for older developments⁣
• Enhanced safeguards for minority owners⁣
• A more practical framework to facilitate the redevelopment of ageing estates⁣
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If passed, these changes could have a significant impact on thousands of condominium owners, particularly those in developments over 40 years old.⁣
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What does this mean for property owners?⁣
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An en bloc opportunity isn't just about achieving the required consent. It also affects:⁣
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🏠 Your next property purchase⁣
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💰 Replacement housing loan⁣
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📊 Cash flow planning⁣
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💼 Property investment strategy⁣
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Whether your estate is a potential en bloc candidate or you're simply planning ahead, understanding your financing options early puts you in a stronger position.⁣
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At SGLoanMart, we don't just compare mortgage rates—we help homeowners prepare for the financial decisions that matter most.⁣
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📩 Speak with us for an independent mortgage and financing review.⁣
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Source: Channel NewsAsia⁣
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The Government has introduced a Bill proposing changes to Singapore's collective sale framework, with the aim of facilitating the redevelopment of ageing private residential developments while strengthening protections for minority owners.⁣
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Key proposals include:⁣

• Lowering the consent threshold to 70% for developments aged 40 to 59 years.⁣
• Lowering it further to 65% for developments aged 60 years and above.⁣
• Raising the support needed to start an en bloc process, shortening the signature collection period, and extending the "cooling-off" period after unsuccessful attempts to better protect owners.⁣
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What does this mean for homeowners?⁣
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If your condominium is more than 40 years old, these proposed changes could improve the chances of a successful collective sale. However, an en bloc decision is about more than just the sale price—it can also affect your financing options, replacement property plans, taxes and overall financial strategy.⁣
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Thinking your development could be a future en bloc candidate?⁣
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Speak to SGLoanMart to understand your financing options before making your next move.⁣
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28/07/2026

🏠 The 15-month wait-out period has been removed.

Private property owners can now purchase a non-subsidised HDB resale flat without waiting 15 months, provided they are not using an HDB housing loan.

This gives homeowners greater flexibility when right-sizing, retiring or moving closer to family.

Key points:

✅ Removal takes effect immediately
✅ Private property must be sold within six months after completing the HDB purchase
✅ The 30-month wait still applies for subsidised flats, housing grants and new EC purchases

A shorter transition period can make the move easier, but buyers should still plan their sale proceeds, CPF usage, loan eligibility and repayment carefully.

Speak to SGLoanmart for an independent review of your property financing options.

28/07/2026

🏠 Major update for private property owners looking to right-size into an HDB resale flat.

The Government has removed the 15-month wait-out period with immediate effect.

Private property owners and former owners can now purchase a non-subsidised HDB resale flat without waiting 15 months, provided they are not taking an HDB housing loan.

This may benefit homeowners who are:

• Right-sizing from a private property
• Managing retirement or cash-flow needs
• Moving closer to family
• Seeking a more affordable housing option

Important conditions still apply:

✅ Existing private property must be sold within six months after completing the HDB resale purchase.

✅ The 30-month wait-out period still applies when purchasing a subsidised flat, receiving housing grants or buying a new executive condominium.

With this change, affected homeowners may have greater flexibility in coordinating their sale, purchase and financing timelines.

Planning to sell your private property and purchase an HDB resale flat?

Speak to SGLoanmart to review your bank loan eligibility, available financing options and overall cash-flow requirements.

28/06/2026

⁣🏢 𝐂𝐚𝐧 𝐌𝐒𝐂𝐓 𝐒𝐭𝐨𝐩 𝐘𝐨𝐮 𝐅𝐫𝐨𝐦 𝐑𝐞𝐧𝐭𝐢𝐧𝐠 𝐎𝐮𝐭 𝐘𝐨𝐮𝐫 𝐔𝐧𝐢𝐭?⁣⁣
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The Building and Construction Authority (BCA) has clarified that 𝐜𝐨𝐧𝐝𝐨𝐦𝐢𝐧𝐢𝐮𝐦 𝐛𝐲-𝐥𝐚𝐰𝐬 𝐜𝐚𝐧𝐧𝐨𝐭 𝐫𝐞𝐬𝐭𝐫𝐢𝐜𝐭 𝐚𝐧 𝐨𝐰𝐧𝐞𝐫'𝐬 𝐥𝐞𝐠𝐚𝐥 𝐫𝐢𝐠𝐡𝐭 𝐭𝐨 𝐫𝐞𝐧𝐭 𝐨𝐮𝐭 𝐭𝐡𝐞𝐢𝐫 𝐮𝐧𝐢𝐭.⁣
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The clarification follows a dispute involving a condominium where new by-laws sought to prohibit certain groups of tenants from occupying units. BCA has stated that while MCSTs can make by-laws to manage and maintain common property, 𝐭𝐡𝐞𝐲 𝐜𝐚𝐧𝐧𝐨𝐭 𝐨𝐯𝐞𝐫𝐫𝐢𝐝𝐞 𝐚𝐧 𝐨𝐰𝐧𝐞𝐫'𝐬 𝐬𝐭𝐚𝐭𝐮𝐭𝐨𝐫𝐲 𝐫𝐢𝐠𝐡𝐭 𝐭𝐨 𝐥𝐞𝐚𝐬𝐞, 𝐭𝐫𝐚𝐧𝐬𝐟𝐞𝐫 𝐨𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐭𝐡𝐞𝐢𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲.⁣
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💡 𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐨𝐰𝐧𝐞𝐫𝐬?⁣
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✅ Your right to rent out your property is protected by law.⁣⁣
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✅ MCST by-laws should focus on the management and use of common property—not who you can legally lease your unit to.⁣⁣
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✅ If you believe a by-law exceeds the MCST's legal powers, you may challenge its validity through the Strata Titles Boards. ⁣
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For investors, rental income is often a key part of the investment equation. Understanding your legal rights helps you make informed decisions and avoid unnecessary disputes.⁣⁣
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Thinking of purchasing an investment property or refinancing an existing one? Understanding both the financing and legal landscape can help maximise your returns.⁣⁣
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📩 Speak to 𝐒𝐆𝐋𝐨𝐚𝐧𝐦𝐚𝐫𝐭 for an independent review of your property financing options.⁣⁣
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https://www.straitstimes.com/singapore/condo-by-laws-cannot-limit-owners-right-to-rent-out-units-bca⁣

The BCA said that condo by-laws cannot restrict an owner’s right to rent out their property, clarifying rules for property owners. Read more at straitstimes.com. Read more at straitstimes.com.

21/06/2026

Learn the key factors that affect your CBS Score, including repayments, credit utilisation, loan applications, and credit history.

04/06/2026

🏗️ URA Announces 9 New GLS Sites for 2H2026

Singapore is increasing housing supply with 9 sites placed on the Confirmed List under the 2H2026 Government Land Sales (GLS) Programme.

The sites are expected to yield approximately 4,745 new homes, including an Executive Condominium (EC) site, helping to meet future housing demand across different market segments.

📍 Confirmed List Sites:

• Marina Gardens Lane
• Orchard Boulevard
• East Coast Road
• De Souza Avenue
• Tanjong Rhu Close
• Berlayer Close
• Holland Plain
• Jurong East Avenue 1 (EC)
• Town Hall Link (White Site)

⭐ The standout site is Town Hall Link, a White Site in the heart of Jurong Lake District. The site is expected to deliver:

• Approximately 1,200 homes
• 83,200 sqm of commercial space
• A major mixed-use development within Singapore's second CBD

What does this mean for homebuyers?

✅ More future housing supply
✅ More housing choices across different locations
✅ Continued development of Jurong Lake District
✅ Potential moderation in long-term property price growth

As Singapore plans for future growth, the expansion of housing supply remains a key pillar in maintaining a sustainable and resilient property market.

📲 Thinking of buying, upgrading, or refinancing? Speak to SGLoanmart for a complimentary mortgage review.

🔗 Read the full article:https://www.straitstimes.com/singapore/housing/private-residential-land-supply-to-increase-in-2h2026-jurong-white-site-to-be-launched-in-july

Singapore's private residential land supply will increase in the second half of 2026, with a Jurong Lake District site launching in July. Read more at straitstimes.com. Read more at straitstimes.com.

31/05/2026

🪷 Happy Vesak Day from SGLoanmart 🪷

As we celebrate Vesak Day, may this special occasion inspire peace, wisdom, compassion, and gratitude in our lives.

Just as Vesak reminds us of the importance of mindfulness and kindness, we are grateful for the trust our clients and partners place in us to guide them on their homeownership journey.

May this blessed day bring harmony to your family, clarity to your decisions, and happiness to your home.

Wishing everyone a peaceful and meaningful Vesak Day.

🏡 SGLoanmart
Building better financial futures together.