Singapore
Home Loan

When applying for a home loan, several important factors must be considered:

• Interest Rates – Fixed or floating, and how they impact your monthly repayments

• Deposit Amount – Initial payments required upfront

• Loan Tenure – The duration of your loan repayment

• Penalties – Fees for late payments or early repayment

For first-time or young borrowers, navigating these details can be overwhelming. Proper planning ensures your mortgage remains manageable. Financial experts recommend keeping monthly repayments under 40% of your monthly income, factoring in upfront costs and other related expenses.

At HTBS, we simplify the home loan process and help you make informed decisions:

• Assess Loan Eligibility – Check your borrowing capacity without visiting multiple banks

• Determine Safe Borrowing Limits – Understand how much you can comfortably borrow

• Compare Packages – Access and evaluate multiple loan options from various financial institutions

• Recommend the Best Option – Receive personalized advice based on your financial profile

Partnering with us means avoiding the hassle of bank-hopping. Our established relationships with leading financial institutions give you access to competitive mortgage packages tailored to your needs.

• Eligibility Assessment – We review your financial situation to determine your loan eligibility.

• Loan Matching – We match you with the most suitable financial institutions based on your profile.

• Package Selection – We guide you to choose the best home loan package with favorable terms and rates.

• Ongoing Support – Our consultants assist you at every stage, from application to disbursement.