Explaining a Flat-rate Loan
Explaining a Flat-rate Loan By PEARL LIM After purchasing their dream homes, to make things more perfect most home-owners will like to transform its interiors into a comfortable nest; so they will spruce it up with quality renovation...
Read more of this articleHome Loans With Different Rests: Computing Their Effective Rates
Home Loans With Different Rests: Computing Their Effective Rates By PEARL LIM In my last article, I explained the difference between effective and nominal interest rate. Basically the latter usually does not reflect the true cost...
Read more of this articleIskandar Malaysia Gains Traction Post Najib’s Visit
Iskandar Malaysia Gains Traction Post Najib’s Visit Property analysts say the warming bilateral relations between Singapore and Malaysia can only bode well for Iskandar Malaysia but they also warn there are some inherent...
Read more of this articleHome Loans: How To Compute The Effective And Nominal Interest Rates?
Home Loans: How To Compute The Effective And Nominal Interest Rates? By PEARL LIM Interest rate is the cost of borrowing. But the interest rate stated in our credit cards or loans applications may not be the true cost. The rate...
Read more of this articleHome Loans With Different Rests: Creating Their Amortisation Schedule
Home Loans With Different Rests: Creating Their Amortisation Schedule By PEARL LIM In one of my previous articles: How To Create An Amortisation Schedule For Your Home Loan?, I discussed about using Excel to compute the interest...
Read more of this article布莱德道永久地契优质低层共管公寓 R Maison and E Maison (注 1)
布莱德道永久地契优质低层共管公寓 R Maison and E Maison (注 1) By: 追夢 12-04-2013 高峰 (Top Global) 近期推出双项目优质永久地契共管公寓(注2), 共175 单位, 质优, 价格适中, 行事作风公开,...
Read more of this articleHow a Mortgage Broker Can Help You?
How a Mortgage Broker Can Help You? By PEARL LIM Most people get a home loan either from using the banker recommended by the property agent, or through self-research of the available Singapore home loans in the market. But both...
Read more of this articleHome Insurance Explained
Home Insurance Explained By PEARL LIM Home insurances in Singapore can be broadly classified as providing coverage for Building only Fixtures, Fittings and Renovation Contents Insureds may opt for all or any single component. For...
Read more of this articleIs COV (Cash-Over-Valuation) Considered as a Housing Valuation? (A Translation)
Is COV (Cash-Over-Valuation) Considered as a Housing Valuation? (A Translation) Written by Zhui Meng (追夢) Translated by PEARL LIM COV (Cash-Over-Valuation) is a form of housing valuation that is unique to Singapore. Its origins...
Read more of this article现金溢价 （Cash Over Valuation – COV ) 算是房产估价吗？
现金溢价 （Cash Over Valuation – COV ) 算是房产估价吗？ By: 追夢 COV， Cash Over Valuation ( 现金溢价 ），看来只是新加坡独有的房地产估价外的附属而又独立运作的价值，它的发生，演变，都不以专业房地产估价的原则，依据，方法为依归。但又却是因估价未能充分反映房值，诱发而衍生的补助价值。最奇妙的是它只发生在公开组屋市场。这也说明了它着实是因估价值不足，而买卖双方都愿意的一种必需加在估价上的附属价值，这样，二手组屋房产的市场价值才得以充分反映出来，买卖双方才会心甘情愿。卖方在市场上，或在社交生活里，对人说：“我的五房组屋，估价五十八万，溢价四万，卖了六十二万，还好！”...
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