For any Singaporean looking to buy a property, CPF will definitely be part of the discussion but how exactly does CPF help us in our property purchase? From housing loan limits to accrued interest, let CPF representative Lynn explain and debunk some of the most common questions & misconceptions about using CPF in property purchases, including this: should I use cash or CPF to service my housing loan?

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

Most Singaporeans live in high-rise buildings. Which level is your ideal choice? Is it true that the higher the flat is, the better, or are there actually advantages to living on a lower level? In this episode, our guest Rakaesh will share his thought process which led him to purchase his first HDB flat that’s located on the 2nd level and the pros & cons of living at a low level. Apparently, the water pressure is pretty amazing at the 2nd level! 

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

Private condominiums are often the envy of many HDB dwellers who yearn for exclusive facilities and enhanced privacy. However, the word “condo” alone sounds out of reach to many, even for our guests & kampong kids Meiting & Simon. Yet, after much deliberation, they decided to bite the bullet and buy a condominium apartment for the first time in their lives. Actually, they also didn’t have a lot of choices… Listen to this episode and find out what prompted their move! Could this be your dream too?

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

With increasing land and property prices in Singapore, one can’t help but wonder if property is still a viable investment tool? Before you answer this question, it will be helpful to consider the factors that can contribute to price appreciation and decent rental yield of your property which we will cover in this episode of Coconut Avenue Season 2.

We have Douglas, a realtor & Robin Hood of our time (listen & find out why!) in the house who will share what you should look out for when thinking about using your property as an investment tool, including this very commonly-asked question: should I buy new launch or resale?

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

Apart from HDB flats, private properties are also an option for those who prefer privacy and easy access to facilities like pools, gyms and more. Of course, this comes at a premium but if you plan it right, you can also live it up!

We discuss the process of buying a private property in this episode with our guest Aaron who had experience buying private properties not once, but twice! Aaron’s thought process may be a little peculiar to some. Reggie describes it as “buy house macam buy underwear”. What did he mean by that? Listen to this episode and find out!

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

A property is probably the biggest purchase of our lives and most of us would spend considerable time and effort to plan for its financing. Wouldn’t it be great if we could save thousands of dollars along the way too? Listen to Episode 4 of Coconut Avenue Season 2 as Brandon shares how he did just that by handling the entire buying process of his resale flat on his own instead of engaging a property agent. We will also go into details on the important acronyms that you need to know as a property buyer such as TOP, COV & OTP.

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

Do you know your legal rights as a property buyer? For many of us who are first-time home buyers, conveyancing or the legal process that is involved in property transactions can be a very foreign concept. In this episode, we invite Hui Yu, a lawyer who specialises in conveyancing to share more about the legal process when it comes to buying a property in Singapore. You will learn about jargons like Option To Purchase & Sale and Purchase Agreement. Fun fact: between fixtures & furniture, do you know that you’re entitled to one of them when you buy a property? Find out which one in this episode!

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

Want more details on the legal processes involved in the buying & selling of properties? We got you covered over at The Financial Coconut podcast! Check out these links below:
Buying a property: https://spoti.fi/3IyucLN
Selling a property: https://spoti.fi/3IBfVhm

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

One of the biggest questions that many first-time home buyers in Singapore ask themselves is “HDB loan or bank loan?” Before you can answer that, you need to know these acronyms: MSR, TDSR, SIBOR, SORA, HLE… Not sure what they mean? Then you definitely need to listen to this episode of Coconut Avenue Season 2 as we break them down for you together with David Baey, founder of Mortgage Master, one of the leading mortgage brokers in Singapore. We also talk about how your credit score can affect your home loan eligibility. FYI: not owning credit cards doesn’t mean you have a good credit score!

Season 2 of Coconut Avenue is sponsored by Mortgage Master. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

Want more details on mortgages in Singapore? Check out this episode from The Financial Coconut podcast: https://spoti.fi/356KXAh 

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

In the first episode of Coconut Avenue Season 2, we follow the homeowner’s journey of Dan & Lydia from local podcast LongKang Kitties who purchased a BTO flat in the northern part of Singapore. What was the BTO application process like? As self-employed people, what were some challenges they faced when they applied for their BTO flat and why did they have to apply for their HLE (HDB Loan Eligibility) twice?

Season 2 of Coconut Avenue is sponsored by Mortgage Master, one of the leading mortgage brokers in Singapore. If you're thinking of buying your first property or want to refinance your property to get better rates, you can check them out here: https://thefinancialcoconut.com/mortgage-masters

For all other links mentioned or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut

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The Financial Coconut (TFC) started out as a reaction to online fake gurus propagating over simplified "get rich quick" programs and grew out of a desire to share best practices regarding personal finance which turned into a network of content championing the idea of creating a life you love while managing your finances well.

Hosted on Acast. See acast.com/privacy for more information.

In episode #13 of Coconut Avenue, we are joined by David Baey, the Co-founder of Mortgage Master. David has been a driving force in the mortgage industry for almost 10 years. He started out at DBS, specializing in mortgages and rose to become Branch Business Senior Relationship manager. He then led the Mortgage department at MoneySmart before co-founding Mortgage Master in 2019. And today, he will talk about something so important, but almost always neglected in a property purchase journey until the last stage - mortgage loan.

Tune in as we discuss with David about mortgage loans. How is the credit score in Singapore calculated? Is your mortgage loan so important that it can make or break your property purchase be it for your own stay or investment? With that said, how can you then prevent yourself from purchasing the wrong property due to insufficient knowledge about mortgages? What's the difference between like effective interest rates and flat interest rates? What are the 3 questions everyone should answer before deciding what property they want? Tune in to find out!

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Hosted on Acast. See acast.com/privacy for more information.