James Ong

Singapore Facebook

We constantly review and make recommendations to improve your current property portfolio. Please give us the opportunity to serve you. We can be reached at 9111-1173 or at MyChoiceHomez@gmail.com

120 posts
Singapore Mortgage Repricing

Singapore Mortgage Repricing

SORA is falling toward a projected 1.32% by end-2026. If you're still on a 2023 peak-rate package, you could be overpaying $300–$500/month. We break down the fix vs. float mechanics, refinancing costs, and the "war factor" variables you must check before your next repricing window opens.

Lease Decay: How It's Quietly Easing Your Property Value

Your leasehold property is worth 74.7% of a freehold equivalent at 50 years remaining — and the drop accelerates from there. CPF restrictions shrink your buyer pool. Bank loans tighten. Most owners find out too late. Here's the curve, the cliff, and what to do before both hit you.

SG Rental Costs: The Real Price for HDB Upgraders

SG Rental Costs: The Real Price for HDB Upgraders

Renting while waiting for your new home? For HDB upgraders in 2025, the "bridge" is getting expensive. We break down the true cost of temporary rentals, from moving fees to the impact on your cash reserves. Learn how to manage the financial strain while navigating Singapore’s rental market.

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