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Unlock The Promise Of Fourth Avenue Residences

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Author: iCompareLoan Editorial Team

Image Credits: Fourth Avenue Residences, Allgreen Properties Ltd

The real estate market has been one among the top topics in 2018, and by all means will continue in 2019. When it comes to new property launch, Fourth Avenue Residences is something that is still trendy in the real estate world. The project was developed by Allgreen Properties Limited, Singapore’s leading property developer.

The Fourth Avenue Residences are placed next to Sixth-Avenue M.R.T Station of the Downtown M.R.T Line. The location is perfect since the locals will fancy the direct-covered linkway to Sixth Avenue M.R.T Station, and also as in the district of the top schools.

The public is still fascinated with this new project launch, so why not make a short review about it? What is so special about the Fourth Avenue Residences? Read on to find out.

Project Details and Overview

We mentioned before that Fourth Avenue Residences has been developed by the best property developer in Singapore, which is a part of Robert Kuok’s group of businesses. Allgreen was incorporated in the year of 1986 and was listed in the Singapore Stock-Exchange in May in 1999. After that, it became a part of the Kouk’s group, and it was delisted in August 2011. Today, this is the largest property developer groups in Singapore with a reputation for quality and track record for its powerful take-up rate for its projects. Robert Kuok – the owner of the Kouk’s group, is the richest businessman and investor in Malaysia and according to Forbes, his net worth is estimated in 14.8 billion in March last year.

Now, the area on which the Fourth Avenue Residences is built was under a reserve list of the first half of 2017 Government Land-Sales. It was triggered with a minimum bid of $448.8 million. This is a plot of 18,532.2 square meters (199,480.6 square feet) and is also a collection 476 homes settled and surrounded by lush greenery and Good-Class Bungalow Areas in Prime-District 10.

One notable thing about the residence is the charming neighbourhood which has the most beautiful parks in the city. One of them is the highest-hill in Singapore, Bukit Timah Nature Reserve, a perfect place for all the green activists who would love to go hiking in the tropical-canopy. Also, if you need a recreation, this place offers awesome choices in the recreation activities, such as horse-riding for all the horse-lovers. You can visit the Bukit Timah Saddle-Club, which houses more than 23 horses and ponies. There is a place for all the horticulture lovers as well at the Botanic Gardens, which is a UNESCO World-Heritage Site. This is accessible right from Bukit Timah, which possesses thousands of plant spices.

Another great think about this very area is that it has prestigious schools like Nanyang Girls’-School, the Hwa Chong-Institution and the Methodist Girls’-School, which makes it perfect for children as well. Not to forget, the Avenue Residences’ location is a heaven for all the shopaholics since it is close to Shopping Malls such as Sixth-Avenue Centre and the Guthrie House.

Live in Style

The residences are built for all the people who would like to live in style. It has profusion of 5-star facilities in its area. The best part about that is that they are composed of swimming pools, tennis courts, lap pools, playground, gymnasiums, clubhouse, and BBQ pit areas.

The lap pools, as well as the swimming pools are not only wide, but also their water is clear all the time. For those who wish to take up their hoby, there is the tennis court, and for all the people who’d like to gather with their family and friends – here is the BBQ pit. You can gather for cosy weekends, as this is a great resort which can provide you entertainment and let you bond over food. For all the sports people, there are gymnasiums with high-quality equipment to satisfy all kinds of people who enjoy exercising – from beginners all to fitness professionals.

In the Fourth Avenue Residences, people should expect none other than designer fittings. A whole new level of sophistication which will satisfy every single need of yours ought to be expected from this place.

If we are thinking location wise, this is one of the best places you can find a new housing launch – it has everything you want and need.

When it comes to the price, the indicative launch prices for 1 bedroom starts from $1,050,000. The price for 2 bedroom is a bit higher – $1,506,000,or if you are interested for a condo with 4 bedroom and a study, the initial price would be around $3,387,000.

Remember….

For those who are interested in buying, we would recommend to use iCompareLoan mortgage broker. This is a website where you can compare mortgage loan Singapore, calculate and find the best loan packages for your new property.

We truly hope you will enjoy your new home! Good Luck!

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Normanton Park: A Blissful Haven Where Urban Living Meets Nature

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Author: iCompareLoan Editorial Team

Image Credits: Normanton Park, Kingsford Huray Pte Ltd

Normanton Park is a new and upcoming deluxe condo, located in Normanton Park in the prime District 05. Developed by the renowned Kingsford Huray, the condo is set to be one of the most sought-after properties in the region considering its convenient location, extensive amenities and serene environment.

Unit Types

The entire Normanton Park development will comprise 1864 premier condo apartments, 19 strata landed houses and 8 commercial shops. Buyers wishing to invest in the apartments can choose from 1 to 5 bedroom units, some that come with study and premium options. Those on upper storeys can enjoy unobstructed views of the Kent Ridge Park and the pond lying nearby.

Connectivity

Normanton Park sits just next to Science Park drive, which is connected via a roundabout that’s interlinked with Portsdown Road. The condo is also close to a number of transport amenities that make moving around convenient.

For those hoping to use road as mode of transport, the Ayer-Rajer Expressway (AYE) and the Central Expressway (CTE) are located a tiny distance from the development. Residents can literally get to Orchard Road and the Central Business District (CBD) within a few minutes.

There are three MRT stations located near the condo: Kent Ridge MRT (1 km), Haw Par Villa MRT (1.1 km) and Pasir Panjang MRT (1.2km). The convenient location of these MRT stations means access to other parts of the island will be quicker and easier.

Nearby Educational Institutions

Access to education is one of the key aspects people consider when looking for a residential home. With many prestigious schools-both local and international-available within Normanton Park close proximity, taking children to school or enrolling for a course is way more convenient.

Some of the schools available in the condo’s immediate vicinity include the following:

-Newtown Primary

-Queensway Secondary

-Anglo Chinese School

-Na Hua High School

-NUS High School of Mathematics & Science

-Singapore Polytechnic

-National University of Singapore

-ISS International School

-Global International School

Nearby Shopping Centers

Residents of Normanton Park will have plenty of options when it comes to shopping for general stuff and specialty goods. Anchorpoint Shopping Center lies just 1.6 miles from the residence while the West Coast Plaza and Harborfront Centre sit 3km and 4 km away respectively.

When it comes to shopping for foodstuff, residents can go to the nearby Mei Chin Block Market, Alexandra Village Food Center, Tanglin Halt Food Center and Commonwealth Crescent Market. Other food centers are ABC Brickworks Centre and Redhill Lane Block 79 Market.

Lifestyle Amenities

First of all, Normanton Park is located in a serene and relaxed setting, which creates a feeling of living in a high-end resort. Residents can enjoy the engrossing views of the nearby Kent Ridge Park, even as they breathe in fresh air from their rooms.

Some of the fun-filled nature parks that are easily accessible from the residential development include Telok Blangah Hill Park, Singapore Botanic Gardens, Hortpark and the West Coast Park. Sports enthusiasts can visit the Queenstown Stadium, Tamasek Club, Queens Townclub and Delta Sports Complex and the Tanglin Public Golf Course, which are located a tiny distance from Normanton Park.

Estimated Selling Price

The prestigious Normanton Park was sold to Kingsford Huray Development at a whopping cost of $830.1 million. There was also $231.11 million additional payment to be made as top up to the 99-year lease. Now, factoring in other costs construction, legal fees, marketing among others, the estimated breakeven price comes to 937 psf ppr.

The average pricing at its launch in 2015 was $1,100 psf. The prices for the condo have been increasing since then. You can request the correct price estimates from Normanton Park developers at the very time you want to buy a unit as prices keep shifting due to market sentiments.

iCompareLoan Mortgage Broker: Your Go-To Broker When Looking For A Home Or Housing Loan

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MCST: a good one works within a finite budget for best outcomes

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Author: Ravi Philemon

Management Corporation Strata Title (MCST), refers to the managing body of a condominium or any compound which has multiple owners and shared public facilities. MCSTs are associated often with private residential properties.

An MCST is automatically formed when the strata title plan for the development is lodged with the Chief Surveyor and a strata title application is made to the Registrar of Titles, Singapore Land Authority. But a developer is only allowed to register the strata title plan when construction has reached the roof level, meaning the project is nearly completed.

Officially, it will be called “The Management Corporation — Strata Title Plan No.____” with the BCA issuing a tracking number to differentiate it from other managing bodies.

Subsidiary proprietors (SP) of the private residential development automatically becomes a member of the MCST. The MCST, being a legal entity, may sue and can be sued. MCST plays an important role in representing the collective interest of all SPs in a strata-titled estate.

The BuildingMCST Maintenance and Strata Management Act (BMSMA) empowers the management corporation (MC) of each development to control and manage the common property. The spirit of the BMSMA is for each MC to exercise self-governance and manage its own domestic affairs.

SPs in the strata scheme have to pay contributions to maintain the common property and pay ancillary expenses. This money is paid to the MCST to enable the MC to meet the costs of regular and periodical maintenance of the estate. All levies that SPs have to pay are worked out in proportion to the share value of each lot.

The share value of a property is a figure that represents the proportionate share entitlement assigned to each strata unit in the same development. The purpose of the share value is to determine the amount of shares each owner has in relation to the other owners in the development.

Once the MCST is constituted an initial period is assigned to it by which it must hold its annual general meeting (AGM).  The maximum duration of the initial period is 12 months. During this period, the developer plays the role of the council. Once the MCST is constituted, the developer is required to open a bank account in the name of the MCST and pay into the account all the money he has collected for the maintenance fund and keep proper books of accounts so that they can be conveniently and properly audited.

MCSTs managing an estate involves the following safeguarding procedures:

  • maintaining good security;
  • upkeeping communal facilities; and
  • regulating the rules of the estate.

The management fund is for day-to-day recurrent expenses of maintaining the development. The amount collected for this has to be enough for the MCST to pay the following expenses:

  • Cost of looking after the common property;
  • Payment of insurance premiums;
  • Other recurrent expenses besides amounts covered by the sinking fund.

In addition MCs must also require residents to not leave or park their vehicles in the common property without its approval. Additionally, there is a statutory by-law regarding the disposal of rubbish and unwanted items on the common property. Without the permission of the MCs, residents should not dispose of rubbish or unwanted items (such as discarded sofas) on the common property that is likely to interfere with the peaceful enjoyment of others in the estate.

It can be very challenging for the MCs to manage a condominium. The MC has to work within a finite, limited budget to maintain a fairly large space that is largely open and accessible 24/7 to all its residents. The MC has to be proactive about a range of issues ranging from cleaning to security to the maintenance of the condominium amenities. It, therefore, plays a vital role in ensuring that the condominium facilities are fully functional and are in good repair.

MCs should advise SPs when their contributions or instalments are due. When contributions becomes 30 days overdue, it will bear interest at the rate determined by the MC unless the MC has decided at the general meeting not to charge interest either generally or in a particular case.

When your contribution becomes 30 days overdue, the MC may serve a written demand on you. If you fail to pay within 14 days after the written demand has been served, you are liable for an offence amounting to a fine. The MC can recover any unpaid contribution through the Small Claims Tribunal or the courts. The MC can also register a charge on the lot for not paying.

MCs may also fine residents who breach its by-laws. But be mindful that MCs are not entrusted with undefined and unlimited powers of imposing monetary payments upon SPs for breaches of by-laws made. The MC, owner or resident may apply to the court for an order to stop someone from disobeying the by-laws and to recover damages.

The first thing that one can do when involved in a dispute is to come together and discuss the problem. Then the possibility of finding an amicable solution is higher. However, when the disputing parties are unable to find an acceptable solution, they should seek mediation by an independent and neutral party. The role of the mediator is to guide the disputing parties to achieve their own resolution.

If mediation fails, the dispute can be referred to the Strata Titles Boards (STB) for arbitration. The STB is a statutory body that is made up of a panel of members who are lawyers and experienced practitioners in the building industry. A strata titles board is constituted to hear each dispute. The decisions of the STB are final. After such a decision, an appeal can only be made to the High Court on question of law.

However, not all disputes can be referred to the STB. Only disputes listed in the Building Maintenance and Strata Management Act (BMSMA) can be heard by the STB. These are listed as follows:

  • Settling dispute on costs or repairs, or rectifying a complaint in respect of a defect in a lot, a subdivided building and the common property;
  • Convening a general meeting where the MC has defaulted;
  • Invalidating proceedings of meetings where the provisions of the BMSMA have been contravened;
  • Annulling a resolution if voting rights are denied or due notice of business is not given;
  • Revoking an amendment to a by-law that affects all the subsidiary proprietors (SPs) in a strata lot;
  • Invalidating a purported by-law that the MC has no power to make;
  • Varying the rate of interest fixed by the MC for late payment of contribution;
  • Varying the contributions levied or the manner of payment;
  • Varying the amount of insurance to be provided;
  • Requiring an MC to make or pursue an insurance claim in respect of damage to the subdivided building;
  • Giving consent to owners to alter the common property;
  • Appointing a managing agent;
  • Compelling an MC to supply information or documents to an applicant who is entitled to have access to them;
  • Compelling an owner to grant access to the MC to carry out works;
  • Resolving disputes between the MC and a sub-MC.

For matters that are outside the jurisdiction of the STB, the disputing parties can seek resolution from the courts. As such, it is not uncommon to hear of disputes between the residents and tenants of a condominium and its management corporation. Given that such disputes are very close to home for the residents, the potential for such disagreements to become acrimonious is high, especially since they may affect the comfort and standard of living for these residents.

Every MCST is required to keep accounting records and financial statements for at least seven years. The books and accounts of the MCST must be audited for each financial year. The MCST is also required to keep proper records of all notices it receives or court orders served to it.

It must keep notices and minutes of its meetings, including details of motions passed, as well as copies of all correspondence received and sent, and any other documents. All records must be kept for at least seven years after the completion of each transaction.

Another responsibility of the MCST is to prepare and keep a strata roll. Essentially, the strata roll is a register of the owners of each unit in the development. The information recorded in a strata roll should include the following.

  • The share value of each lot;
  • The name and address of each SP;
  • The name and address within Singapore of each mortgagee of a lot;
  • The name of the nominee of any company that is the SP or mortgagee of the lot;
  • The discharge, transfer, assignment or sub-mortgage of any mortgage of a lot;
  • The entry into possession of the lot by a mortgagee;
  • The address within Singapore for the service of notices on any person as shown in a notice given to the MC.

A proactive MCST may use the sinking fund at its disposal for the following:

  • Painting of the common property;
  • Acquiring movable property;
  • Renewing or replacing any fixtures on the common property and other property belonging to the MCST;
  • Replacing, repairing or making good the common property;
  • Any debts other than amounts covered by the management fund;
  • Other capital expenses.

The amount in the sinking fund must be enough to such expenses.

When the Building Maintenance and Strata Management Act was introduced in April 2005, there were only 2,700 MCSTs and 170,000 strata units across Singapore. According to the General Household Survey 2015, 13.9% of households in Singapore reside in Condominiums and Apartments, which are invariably managed by MCs.

Further, as of June 2018, there are 3909 registered MCs managing various strata title developments in Singapore. Statistics also show that as of December 2017, the number of MCSTs and strata units respectively surged to 3,400 and 354,200. These include residential, industrial and commercial buildings as well as mixed-use projects.

For a fee, owners can apply to the management corporation (MC) for information such as the name of your estate’s managing agent and the names and addresses of the office bearers of the MC. They can also inspect the following
records of the MC.

  • Minutes of general meetings of the MC and the council;
  • Books of account;
  • Other records or documents under the custody of the MC.

For prospective buyers of private properties, always ask the real estate agent who is managing the property. Then check up on the management agent, or MC to check what other places they have worked on. If there were serious complaints in their previous management, there will probably be complaints here.

SPs and residents should be mindful that the management corporation or MCST is a juridical entity with perpetual succession that is empowered by the law to administer and oversee the common property of a strata development.

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Whether you are looking to buy, sell or refinance apartments, condominiums, executive condos, HDB flats, landed houses or commercial properties, we bring you Singapore’s most comprehensive and up-to-date property news and best home loans trends to facilitate your property buying decisions.

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Business credit may be difficult for entrepreneurs, but there are options

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Author: Ravi Philemon

For entrepreneurs, the line between personal and business credit can be a fine one – if there’s one at all. Since most banks balk at lending money to start-ups with no track record, entrepreneurs often turn to credit cards, home equity loans and even friends or family members to raise cash.

By: Phoenix Lee

Whether you decide to get business credit from a bank or find more creative ways to get started, you’ll want to maximize your personal credit. Here’s how:

business creditCharge ahead. When a bank doesn’t come through with business credit, many small business owners pull out the plastic. Research shows that more than 60 per cent of people who have recently started businesses can’t obtain the business credit they need through loans, and 40 per cent of those entrepreneurs have used credit cards to get off the ground.

The advantage of using credit cards to finance your start-up is that they are often easy to get, and the minimum required monthly payments are typically small. Best of all, they put you in control of borrowing; no one will question your plans or second-guess how you’re spending your money.

But that flexibility can be a double-edged sword. If your business plan isn’t sound, huge credit card debts can eventually land you in bankruptcy court. Before you resort to credit cards to get business credit, develop a business plan and approach at least three lenders for a small business loan. If your application is turned down, ask for feedback and use it to adjust your plan. If you’re still convinced you can make your venture work, then pull out the plastic.

Secure loans from non-traditional lenders if you have high debt-to-income ratio

If you intend to use your card for business credit, pay as little as possible.

If you do decide to use credit cards, save money by choosing those with the lowest interest rates. Review your statements to determine which ones have the lowest rates and use them first. Before you take a cash advance on one of your cards, check the interest rate and find out if there are any fees. Some banks charge much higher interest rates for cash loans than for purchases, and many charge cash advance fees.

If you use your credit card, personal overdraft facility of personal loans for your business credit, watch the cash flow.

If you only make the minimum monthly payment on your cards and personal loans, you’ll keep your credit record clean. Don’t fall into the trap of letting the bills slide for a couple of months, then making one large payment to “make up for it.” Late payments will be reflected on your credit record for several years – even if you later pay off the account in full.

If you’re facing a cash crunch and aren’t sure you’ll be able to make your minimum payments, call your lenders before you miss a payment and propose to pay a smaller amount for a short period of time until your cash flow improves. For example, offer to pay three-quarters of the usual payment for three months, then resume your regular payments. If the lender agrees, ask for confirmation in writing that your credit report won’t be affected as long as you make the agreed-upon payments.

Urgent loans can help you overcome short term hurdles

Pay less, save money. Obviously, the faster you can pay your off your loans, the more money you’ll save in interest. But for many start-ups, just making the minimum payment each month can be a challenge.

Even if you’re “maxed out” on your credit cards and can only afford to make a little more than the minimum payment, how you pay those bills can dramatically affect how much those loans cost. By adding a little extra money to your total monthly payments (just $5 a month can make a big difference), and paying the highest-rate cards first, you can slash the interest charges and wipe out that debt much sooner than if you just make minimum payments on all your loans.

Check your credit report once a year or at least six weeks before you plan to apply for a business loans to make sure it is complete and correct. Millions of credit reports contain incorrect or outdated information that can hold up an application, or even result in a rejection for the credit card or business loan you need.

For new businesses, initial start-up costs can be overwhelming. When your cash flow runs dry, it’s often necessary to finish your shopping on credit. But take note using personal lines of credit for your business costs should be approached with much discerning forethought as it can be very risky.

How to Secure a Personal Loan Quickly

If you have limited capital and are searching for a personal loan to expand your business, the loan consultants at iCompareLoan can set you up on a path that can get you a it in a quick and seamless manner. Our loan consultants have close links with the best lenders in town and can help you compare various loans and settle for a package that best suits your needs. Find out money saving tips here.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

If you are looking for a new home loan or to refinance, our Mortgage brokers can help you get everything right from calculating mortgage repayment, comparing interest rates all through to securing the best home loans in Singapore. And the good thing is that all our services are free of charge. So it’s all worth it to secure a loan through us for your business expansion needs.

Contact us for advice on a new home loan.

Contact us for home loan or refinancing advice.

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Workplace wellness creates billions in value through savings in health and productivity enhancements

Click on Workplace wellness creates billions in value through savings in health and productivity enhancements
for the source.
Author: Ravi Philemon

– Workplace wellness impacts best assessed through tech-enabled indicators and employee feedback
– Wellness industry grew 12.8% from USD3.7 trillion (2015) to USD4.2 trillion (2017)
– Technologies enable new wellness possibilities
– Landlords and tenants should adopt a multi-stakeholder approach when implementing wellness initiatives

workplace wellnessColliers International on March 13 released its Wellness 2.0 report ‘How? Where? Well!’ This research paper builds on the original ‘Who? What? Well’! paper published in 2018 as the discussion has since evolved from “what” wellness is and “why” it’s important to more practical considerations such as “where” to start and “how” to effectively implement wellness programs for enhanced productivity.

Sam Harvey-Jones, Managing Director of Occupier Services, Asia, at Colliers commented: “Across Asia, wellness is increasingly considered a key component of the employee experience. As the concept of wellness gains ground, companies are starting to measure and report on the links between wellness and financial performance, often through the reduction of employee absenteeism and greater productivity due to enhanced employee engagement. In India, savings from wellness initiatives are estimated at up to USD20 billion in 2018. In China, where healthcare costs could reach USD1 trillion by 2020, companies are moving aggressively to promote healthier workplaces.”

Victoria Gilbert, Associate Director of Wellness Consulting at Colliers, added: “75% of millennials assign significant importance to wellness factors at work. It is no surprise then that the global wellness industry grew 12.8% from USD3.7 trillion in 2015 to USD4.2 trillion in 2017.”

Co-working office space launched to test workplace solutions

Multi-stakeholder approach to wellness
Ms. Gilbert commented: “To maximise the efficacy of wellness initiatives, an important initial step is to identify the baseline. It’s crucial to create a wellness strategy that’s core to a business and its employees. As wellness is not confined to one area of a business, the creation of a cross-functional committee encompassing facilities management, commercial real estate, HR and IT to jointly oversee wellness efforts is the optimal approach to ensure broad-based support and success across an organisation.”

New technologies enable new possibilities
1) Space: The emergence of more accurate air quality solutions is enhancing adoption rates across Asia, especially in China and India where air quality is a major concern.
2) Organisations: More and more companies are seeing the advantages of expanding wellness programs beyond physical to include mindfulness and lifestyle. For example, healthtech firm Byobeat measures employee’s heart rate variations over a 72-hour period to identify sources of stress.
3) Individual: Improved wearable devices motivate employees to get fit and enable tailored solutions to monitor their health. New AI-powered virtual wallets provided by companies such as CXA Group come equipped with access to services that prevent workplace health issues even before they arise.

“Wellness is no longer a ‘nice to have.’ As building owners and occupiers throughout the region embrace wellness initiatives to attract and retain customers and employees, the focus has shifted from ‘what’ wellness is or ‘why’ it’s important, to ‘how’ to build effective wellness programmes, and quantify the benefits to employee and enterprise performance.”

Wellness considerations in commercial real estate
Colliers research demonstrates that wellness factors such as air quality, natural light and recreational space are all key drivers of relocation decisions in markets such as Hong Kong.

Mr. Harvey-Jones commented: “We’re seeing that landlords are increasingly adopting new building technologies and design features such as double-height windows and exterior glazing that allow in natural light, which has been shown to enhance employee health while lowering energy costs.”

Improved metrics needed to assess workplace wellness

While workplace wellness has already been linked to improved profitability, employee satisfaction and productivity are often difficult to quantify. The good news is there are growing number of tools such as real-time indoor air quality monitors, mobile platforms, and scorecards, to name a few, that enable more effective assessment of workplace wellness programs and their impacts on companies’ bottom line over time.

“It’s crucial to create a wellness strategy that’s core to a business and its employees, and not just an add-on. This will help practitioners narrow the gap between the growing understanding of the field of wellness and effectively executing it.” – Victoria Gilbert, Associate Director, Wellness Consulting, Corporate Solutions, Colliers International

Metrics based on human feedback can be especially valuable to landlords as they may predict the likely duration of a company’s tenancy.

CBD Grade A office rents in 2018 post highest annual growth since 2010

Those landlords and tenants who act early to effectively assess the efficacy of workplace wellness programs while considering key human elements – including management buy-in and employee participation – will have a distinct advantage in the fiercely competitive property market and war for talent.

How to Secure a Commercial Loan Quickly

Are you planning to capitalise on the uptrend of Singapore’s commercial sector but unsure of funding for investment? Don’t worry because iCompareLoan mortgage brokers can set you up on a path that can get you a commercial loan in a quick and seamless manner.

Alternatively you can read more about the Best Commercial Loans in Singapore before deciding on your next purchase.  Our brokers have close links with the best lenders in town and can help you compare Singapore’s best commercial loans and settle for a loan package that best suits your commercial purchase needs.

Whether you are looking for a new commercial loan or for a refinancing package for your commercial properties, our brokers can help you get everything right from calculating mortgage repayment, comparing interest rates, all through to securing the best commercial loans which fits your profile. And the good thing is that all our services are free of charge. So it is all worth it to secure the best commercial loans through us.

You may contact us today for advice on a new commercial loan  or refinancing advice, or for Personal Finance advice.

You may also speak to our Panel of Property agents.

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Revise property cooling measures, Propnex CEO urges Government

Click on Revise property cooling measures, Propnex CEO urges Government
for the source.
Author: Ravi Philemon

PropNex Realty is pushing for the Government to revise property cooling measures it introduced last year. Calling to revise property cooling measures, it asked that changes be made to the additional buyer’s stamp duty (ABSD) and also for a reversion of loan-to-value (LTV) limits.

The real estate services company has submitted the following three recommendations to revise property cooling measures to the Ministry of Finance and the Ministry of National Development:

1. a remission of ABSD for HDB upgraders;

2. a reversion of LTV limits for first housing loans; and

3. a revision of the ABSD rate for locals buying a second property.

revise property cooling measures

Image credit: Youtube

PropNex CEO Ismail Gafoor explained that one reason for these recommendations is the spike the organization saw in the number of returned units in new launches since November 2018.

November 2018 was when most developers launched their projects, after taking stock of the latest property cooling measures that were implemented about four months ago.

Besides the higher return rate for units in new development launches, a 16.8 per cent year-on-year drop in new home sales last year caused concern. This means that developers only sold 8,795 new private homes (excluding executive condos) in 2018 compared to 10,566 in the year before.

In its call to revise property cooling measures, Propnex Realty, which is Singapore’s largest listed real estate agency, said in a press release:

“A multitude of underlying factors such as declining new mortgage loan applications, increasing pipeline supply of private residential units, a lack of ECs on the market and rising number of HDB flats that are reaching the minimum occupation period (MOP) are timely reminders that are prompting for a reasonable cause of action to be taken.”

The first recommendation that PropNex has set out suggests that the authorities should treat “genuine HDB upgraders who are purchasing their first private residential property, in a similar capacity as those who are acquiring an EC, through the allowance of remissions”.

Property cycle intervention by Government is meant to help developers plan ahead

The agency suggested that these buyers should be allowed to undertake to HDB that they will dispose of their existing HDB flat within a period of six months from the Temporary Occupation Permit (TOP) date for new developments or the time of completion for resale properties.

Advocating that this policy should be extended to singles, single-parent families, and singles living with parents, PropNex added that the authorities could install a penalty that gives HDB the powers to repossess the HDB flat if the buyer does not make good on their word, as a means to protect the effectiveness of the policy.

Next, PropNex tackled the current LTV limit rules which state that the LTV limits on a first housing loan is 75 per cent, or 55 percent if the loan term is over 30 years or extends past age 65.

Suggesting that the existing LTV limits should be reversed back to 80 per cent, or 60% if the loan term is over 30 years or extends past age 65, PropNex said: “We feel that with the existence of the Total Debt Servicing Ratio (TDSR) framework is sufficient, in preventing borrowers from being overleveraged, as potential buyers have to adhere to the necessary requirements.”

Mr Gafoor added that this would “give first-time home buyers the ability to enter the market to purchase their first property.”

Premature to conclude effectiveness of property cooling measures, National Development Minister

Finally, in asking to revise property cooling measures, Propnex is asking the Government to revise the current ABSD rate of 12 per cent for a second property purchase to either 5 per cent or 7 per cent for Singaporean buyers.

Mr Gafoor pointed out that many Singaporeans have moved to investing in overseas properties, in nations like Cambodia, Malaysia, the Philippines, Japan, the UK, Australia, Thailand, and Vietnam, and that they prefer properties that cost less than $1 million.

Proposing that the new ABSD rate should only apply to Singaporean Citizens, PropNex said: “We feel that it is necessary for Singaporeans to have the ease of comfort in investing in their own country, instead of venturing into overseas options as a ‘push factor’ due to hefty ABSD rates.”

How to Secure the Best Home Loans Quickly

iCompareLoan is the best infomercial loans portal for home-seekers, buyers, investors and real estate agents alike in Singapore. On iCompareLoan, you will be able to find all the latest news and views, informational guides, bank lending rates and property buying trends, and research data and analysis.

Whether you are looking to buy, sell or refinance apartments, condominiums, executive condos, HDB flats, landed houses or commercial properties, we bring you Singapore’s most comprehensive and up-to-date property news and best home loans trends to facilitate your property buying decisions.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

Our trademarked Home Loan Report is Singapore’s first one-of-a-kind analysis platform that provides latest updates of detailed loan packages and helps property agents, financial advisors and mortgage brokers analyse best home loan packages for their clients, so that they may give unbiased home loan/commercial loan analysis for their property buyers and home owners. Our distinguished Panel of Property Agents who are users of our Home Loan report can give the best all-rounded advise to real estate seekers.

All the services of our mortgage consultants are ABSOLUTELY FREE, which means it’s all worth it to secure a loan through us.

Whether it is best home loans, best commercial loans or refinancing of existing loans or SME loans, CONTACT US TODAY!

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Bad credit payday loans can be useful especially in emergencies

Click on Bad credit payday loans can be useful especially in emergencies
for the source.
Author: Ravi Philemon

A bad credit score can put you into immense financial problems – but bad credit payday loans can ease you from some of them.

By: Hitesh Khan/

What is a Bad Credit Score?

When you apply for loans, the lenders look for various factors such as your credit score. Numerous factors play a huge role in determining the scoring process. With low credit scores, it gets difficult for the applicants to get no credit check loans. These scores thus determine a person’s eligibility for easy payday loans.

Missed Payments
There are three factors associated with the missed payments in the credit scoring system. These are: how late have the payments been, how long you have not missed any payment and the total number of payments in the history. The credit reporting bureau puts a negative remark with a notation on completion of 30 days of default. Suppose you took three months to get back on track on with the past due-debt, the account will show 90 days marked. The long and frequent delinquencies show an enormous impact on your credit score after completion of 30 days of default.

Collections and Defaults
At times, our bills tend to get piled up. In such cases, companies consider catching up the missed bills if the duration of non-payment exceeds seven months. One exceeding seven months, you will be able to see the collection notation on the report. Even after payoff of the collections, they may remain in your account, and the lender looks manually at the report to judge your defiance towards financial responsibility.

Public Records
Your credit score upon bankruptcy shows an impact for many years. However, civil judgements and tax liens stay listed on the report. You can get rid of some public records from the report once you have managed to please the judgement or the lien.

Repossession and Foreclosure
The foreclosure and the repossession show a default in secured instalment loan. Backed by a physical property, the lender has the right to take away the property on the failure of repayments of the loan. While foreclosure denotes home mortgages, the repossession is about other properties such as automobiles. If the lender does not recover the loan even after selling the property at an auction, then a deficiency judgement may be placed before you.

Utilization of High Credits on Credit Cards
The ratio of your credit balance and the credit card limit determines the actual credit card utilisation amount. If you possess many maxed out cards, your credit score shall behave as a negative indicator. However, you can always control this factor. Through utilising less and keep the credit cards card balances low, your score shall rise with time.

Urgent loans can help you overcome short term hurdles

bad credit payday loans

Image credit: www.cafecredit.com

What Are the Advantages of Bad Credit Payday Loans?

The benefits of bad credit payday loans are mentioned below:

  • You can get loan even if you do not have a high score. Most banks would reject offering unsecured loan on credit score below the benchmark.
  • The amount you can borrow with bad credit payday loans are an amount of up to $35,000. The disbursal takes just a few hours and maximum 24 hours after the bad credit payday loans are approved.
  • Loan approval is done as soon as your loan application is reviewed and all the documents are in place along with you fulfilling the eligibility criteria.
  • There is no restriction on how you the amount from the bad credit payday loans.
  • You do not have to provide income tax return proof. Only basic documentation is needed, such as income proof, salary slips, identity proof, address proof etc.
  • With bad credit payday loans. there is no need to submit collateral. The interest rates are as low as 0.01% per day.
  • You do not burden your finances as this is a short term loan and can be repaid as soon as a month or up to 3 months.

Bad credit payday loans in Singapore is a growing concept, as financial emergencies can crop up any time.

Secure loans from non-traditional lenders if you have high debt-to-income ratio

A bad credit score can put you into immense financial problems. Though the purpose of needing funds might be because of an emergency or reasons of temporary unemployment, the lenders judge you on basis of your financial history without thinking of your current financial situation. But with some licensed moneylenders, you can borrow even with bad credit.

How to Secure a Personal Loan Quickly

If you have limited capital and are searching for a personal loan to expand your business, the loan consultants at iCompareLoan can set you up on a path that can get you a it in a quick and seamless manner. Our loan consultants have close links with the best lenders in town and can help you compare various loans and settle for a package that best suits your needs. Find out money saving tips here.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

If you are looking for a new home loan or to refinance, our Mortgage brokers can help you get everything right from calculating mortgage repayment, comparing interest rates all through to securing the best home loans in Singapore. And the good thing is that all our services are free of charge. So it’s all worth it to secure a loan through us for your business expansion needs.

Contact us for advice on a new home loan.

Contact us for home loan or refinancing advice.

The post Bad credit payday loans can be useful especially in emergencies appeared first on iCompareLoan Resources.

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Property auction listings in 2018 reach record high amid slower sales

Click on Property auction listings in 2018 reach record high amid slower sales
for the source.
Author: Ravi Philemon

– 1,088 property auction listings (including re-listings) in 2018, representing a 35% increase over 2017. (Figures include results from all auction houses in Singapore. Re-listings are included in auction listings. Properties sold before or after the auction are not included in auction sales.)

– Residential properties continued to account for the lion’s share of property auction listings, making up 48% of the full-year total in 2018.

– Colliers expects property auction listings and sales to grow in 2019 as residential cooling measures continue to bite, and interest for non-residential properties grows.

Colliers International today released its Colliers Flash report which tracked transactions and listings in the property auction market in Singapore during the second half (H2) of 2018.

Record property auction listings

PROPERTY AUCTION LISTINGS

Screengrab: Colliers
PROPERTY AUCTION LISTINGS: Record high on a yearly basis

Based on Colliers’ research, the properties put up for auction in H2 2018 totaled 634 listings (including re-listings), up by 40% from the first half (H1) and 47% year-on-year (YOY). This took total auction listings in 2018 to 1,088 (including re-listings), an increase of 35% over 2017 and the highest annual level since the start of Colliers’ database in 2008.

The annual growth was driven mainly by residential and industrial listings, and a record number of properties being put up for mortgagee sales by banks. Of the 1,088 listings in 2018, 43% (or 472 listings) of them were mortgagee listings – this represents a 27% rise in mortgagee listings from 2017. Meanwhile, owners’ listings also witnessed strong growth with 616 listings in 2018, up 43% YOY.

“1,088 listings: The total number of auction listings in 2018, an increase of 35% over 2017 and the highest annual level since the start of our database in 2008. Out of total listings, 518 or 48% were residential properties.”

Ms. Tricia Song, Head of Research for Singapore, Colliers International, said “Going by our data, the number of mortgagee listings has risen gradually in the last five years, possibly stemming from the bull run in the market in 2011, 2012 and 2013 where some buyers might have snapped up units at elevated prices, and subsequently found themselves unable to service the mortgage payments. This year, we expect property auction listings – both owners’ and mortgagee listings – and sales to grow as cooling measures continue to bite for the residential segment and more owners putting up non-residential properties for sale.”

2018 property market cooling measures tempered price increase and land sales activities

Fewer transactions in 2018 as residential sales slowed

With the 14 properties sold via auction in H2 2018, the total number of auction sales in 2018 rose to 35 properties – down by 27% YOY from 48 properties transacted in 2017.

Mr. Steven Tan, Director of Capital Markets & Investment Services at Colliers International, said, “We notice that the success rate of properties sold at auction dropped from 6.0% in 2017 to 3.2% in 2018, reflecting investors’ cautious approach and a widening price gap between buyers and sellers.”

“3.2%: The success rate in 2018, a drop from 6.0% in 2017. The total number of auction sales in 2018 declined by 27% yoy to 35 transactions. Of these, 24 were mortgagee sales, comprising 16 residential units, six industrial units, one retail unit and one office unit.”

Of the 35 auction sales in 2018, 10 transactions – comprising eight non-landed residential properties and two industrial units – valued at a combined SGD12 million were closed in Colliers’ auction. Colliers’ largest deal in 2018 was the sale of a condominium unit at Botanic Gardens Mansion for at SGD2.65 million.

Colliers Research: Industrial property market sector is continuing to find its footing

Due to fewer properties transacted, the aggregate value of properties sold at auctions in H2 2018 dropped 56% from H1 2018 and 74% YOY to SGD15.7 million. Total aggregate value of auction sales in 2018 stood at SGD51.0 million, less than half of the SGD107.2 million transacted in 2017.

“26.5%: The yoy increase of mortgagee listings in 2018 over 2017. The total number of mortgagee listings reached 472 in 2018, the highest annual level in our database. All sectors, except for office, recorded an all-time high on an annual basis.”

Mr. Tan added, “With more varied assets up for auction, we expect successful auction sales volume and value to grow in 2019. In addition, we could see rising demand from many collective sale beneficiaries who have sold their property in the past two years turning to the auction market for immediately-available replacement homes. We would recommend auction as a good platform to list or buy properties for optimal exposure and pricing.”

“SGD51.0 million: Total aggregate value of auction sales in 2018, which was down 52% from the SGD107.2 million transacted in 2017. Mortgagee sales value accounted for 60% of total auction sales value in 2018.”

How to Secure the Best Home Loans Quickly

iCompareLoan is the best infomercial loans portal for home-seekers, buyers, investors and real estate agents alike in Singapore. On iCompareLoan, you will be able to find all the latest news and views, informational guides, bank lending rates and property buying trends, and research data and analysis.

Whether you are looking to buy, sell or refinance apartments, condominiums, executive condos, HDB flats, landed houses or commercial properties, we bring you Singapore’s most comprehensive and up-to-date property news and best home loans trends to facilitate your property buying decisions.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

Our trademarked Home Loan Report is Singapore’s first one-of-a-kind analysis platform that provides latest updates of detailed loan packages and helps property agents, financial advisors and mortgage brokers analyse best home loan packages for their clients, so that they may give unbiased home loan/commercial loan analysis for their property buyers and home owners. Our distinguished Panel of Property Agents who are users of our Home Loan report can give the best all-rounded advise to real estate seekers.

All the services of our mortgage consultants are ABSOLUTELY FREE, which means it’s all worth it to secure a loan through us.

Whether it is best home loans, best commercial loans or refinancing of existing loans or SME loans, CONTACT US TODAY!

The post Property auction listings in 2018 reach record high amid slower sales appeared first on iCompareLoan Resources.

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Expatriate rents continue to drop in Singapore and are $500 cheaper

Click on Expatriate rents continue to drop in Singapore and are $500 cheaper
for the source.
Author: Ravi Philemon

– Expatriate rents have dropped in Singapore by 1.3% to an average of USD 4 215 per month

– Singapore remains in Asia’s top 10 most expensive locations for expatriate rents, and is in the top 25 most expensive locations for expat rents globally

– Hong Kong is the most expensive location in the world for expatriate rents, with an average monthly rental cost of USD 10 929

– Globally, New York and Tokyo are in second and third place respectively for expatriate rents

Singapore rent prices for expatriates have continued to drop here and are now on average, USD 500 cheaper per month than in 2016.

This was one of the findings of the latest research published by ECA International, the world’s leading provider of knowledge, information and software for the management and assignment of employees around the world.
Rental prices for an unfurnished, mid-market, three-bedroom apartment in areas commonly inhabited by international executives in Singapore average USD 4 215 a month, a drop of 1.3% compared to the previous year.

“Reductions in the population of non-residents in Singapore, a key driver of rental demand, has led to continued drops in rental prices for expatriates,” said Lee Quane, Regional Director – Asia at ECA International. “Recent announcements in the Singapore Budget 2019 have further limited the proportion of foreign workers that companies in the services sector can employ, to 35% by 2021. This seems to imply that the downward trend in rents will continue, as the availability of properties increases with little anticipated rise in demand.”

ECA International has been conducting research into accommodation costs for international executives for more than 20 years to help companies provide the right housing options as part of the overall compensation package for mobile employees. The research compares rental costs for accommodation in areas typically inhabited by expatriate staff in over 320 locations worldwide.

Asia Highlights
Hong Kong remains the most expensive location in the world for expatriate rent, with typical expatriate accommodation costing an average of USD 10 929 per month – an increase of 4.9% from 2018.

Quane added: “The main driver of increased rent across Hong Kong in 2018 was the limited availability of housing, which has been a long-term issue for the Hong Kong housing market. Rent increases are not just limited to central Hong Kong anymore either; rents are expected to rise throughout outlying neighbourhoods in 2019 too, as international firms seek more affordable office spaces and leverage options in cheaper suburbs.”
Rental costs in Tokyo have risen at a quicker rate than Hong Kong, with typical expat accommodation now averaging USD 8 668 per month. This rise of 6.9% makes Tokyo the second most expensive Asian location in ECA’s survey.

Quane said, “While Tokyo’s rental market has been historically tight, 2018 saw a significant upturn in the rate of rent increases. A rise in tourism, coupled with the accompanying increase in landlords preferring to lease out accommodation on a short-term basis, have contributed to rising costs in recent years. With both the 2019 Rugby World Cup and the 2020 Olympics set to be hosted in Tokyo, we have observed a major surge in business interest in Japan’s capital. All of these factors will contribute to the increasingly limited availability of suitable rental accommodation in Tokyo, with rent increases expected to continue into 2019.”

Chinese cities endured a mixed fortune throughout 2018, with major rent increases seen in some locations, but static or decreasing levels of rent in others.

Shanghai was the highest placed Chinese city and the eighth most expensive city for expats to rent in globally, averaging USD 5 305 per month.

Quane explained, “With a new property tax mooted to be introduced in Shanghai from 2020, many landlords are now choosing to sell their properties rather than to continue renting them out. This has led to a reduction in the availability of rented accommodation, prompting some rent increases.”

Similarly, Shenzhen saw a big rise in the average rent for overseas workers. Typical monthly rental costs in Shenzhen are now USD 2 795 – an increase of over 10%.

Quane said, “Shenzhen continues to be a city that attracts high demand for rented accommodation, as a result of both its local economy and its proximity to Hong Kong. The market has proven particularly tight in 2018, leading to this trend of high rental prices, which will most likely continue for the foreseeable future.”

Bangkok entered the top 10 most expensive Asian locations for expat accommodation for the first time, following the city’s rise in average rental prices this year.

Expatriate rents“Increases in rents reflect a continuation in foreign investment in Thailand. Thailand remains a popular regional destination for many MNCs. However, they have been joined by newly globalising companies from China, which has led to a higher demand for rental accommodation from an expatriate population that typically rents in a relatively small geographical area in central Bangkok. Furthermore, the growth in tourism in Bangkok has also had an impact on rental prices, given the increase in the number of properties being converted from long-term to short-term rental to cater to this demand,” explained Quane.

Expatriate rents in Kuala Lumpur saw a rebound after a sustained decline between 2015 and 2017, with the average rental cost for expatriates now at USD 1 621 per month, an increase of USD 112 from the year before.

Quane said, “The domestic economy has been comparatively weak in Malaysia over the past few years, and the delivery of large stocks of properties to the rental market was not balanced by weaker demand. Rents for apartments staged a recovery in 2018, but Kuala Lumpur is still very affordable for a major city in the region.”

How to Secure a Home Loan Quickly

Are you planning to invest in properties to cash-in on the expatriate rents market but ensure of funds availability for purchase? Don’t worry because iCompareLoan mortgage broker can set you up on a path that can get you a home loan in a quick and seamless manner.

Our brokers have close links with the best lenders in town and can help you compare Singapore home loans and settle for a package that best suits your home purchase needs. Find out money saving tips here.

Whether you are looking for a new home loan or to refinance, the Mortgage broker can help you get everything right from calculating mortgage repayment, comparing interest rates all through to securing the best home loans in Singapore. And the good thing is that all our services are free of charge. So it’s all worth it to secure a loan through us.

For advice on a new home loan.

For refinancing advice.

 

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Secure loans from non-traditional lenders if you have high debt-to-income ratio

Click on Secure loans from non-traditional lenders if you have high debt-to-income ratio
for the source.
Author: Ravi Philemon

A high debt-to-income ratio makes it harder to secure loans at a reasonable interest rate, but it is not entirely impossible.

By: Hitesh Khan/

When a lender issues you a personal loan, it wants to know you will have the ability to pay it back. A high debt-to-income ratio makes it harder to secure loans at a reasonable interest rate. If you’re carrying a large amount of debt but need a personal loan, consider bringing on a cosigner, choosing a longer lending period, or working with a licensed moneylender of a bank.

Lenders are not necessarily concerned with how much debt you have — they are more concerned with how much debt you owe relative to your income. To calculate your debt to income ratio, divide your monthly obligations – such as mortgage payments, rent, child support, student loans, car loans and credit card payments – by your gross monthly income before taxes. For example, if your monthly obligations are $2,000 per month and your gross income is $4,000 a month, your debt-to-income ratio is 50 percent.

A low debt-to-income ratio means you have a strong flow of income relative to debt and you should be able to pay back a personal loan. Research shows that a good debt-to-income ratio is 35 percent or less.

secure loans

Image credit: aboblist.com

You still may be able to secure loans with a debt-to-income ratio of 36 percent to 49 percent, but your personal loan options are more limited if your debt-to-income ratio is 50 percent or more.

Personal loan applicants can increase their odds of loan approval by adding a cosigner or guarantor to the loan. A cosigner or loan guarantor isn’t entitled to the loan proceeds, but promises to pay the lender back if the borrower defaults.

If you have a close friend or family member with a low debt-to-income ratio, ask her if she’d be willing to cosign so that you can secure loans. As long as your cosigner has a low enough debt-to-income ratio, her guarantee may satisfy lenders that are not happy with your debt level.

The shorter the life of your personal loan, the higher your monthly loan payment will be, especially if you are borrowing from a licensed moneylender. You often can opt to lower your monthly payment by increasing the loan’s term and paying it back over a longer period.

If you can prove you have enough income to cover a low monthly payment plus your existing obligations, the lender may be more willing to approve your personal loan application. The catch is that you likely will be charged a higher interest rate for a longer term, and you’ll therefore pay more to borrow the money.

If traditional banks are not willing to give you a reasonable personal loan, talk with licensed moneylenders to secure loans instead.

Licensed moneylenders are more willing to lend for short term, special needs and often have special programs designed for members who need cash fast. If you choose a loan from a licensed moneylender, loan amounts range from $100 up to $2,000. Depending on your financial circumstances and the lender, it may be possible to borrow more through a secured or unsecured short-term loan, sometimes with amounts of up to $10,000 available.

As these loans usually involve borrowing a small amount for a short period, many lenders offer quick and easy applications. Some lenders can also provide instant loan approval and transfer the funds into your bank account within one business day. You typically have between 2 days and 1 year to pay back the money you borrow.

Nobody wants to pay a higher interest rate than he or she has to, so consider the purpose of your urgent loans before applying. Is it for debts or upcoming expenses that require immediate attention, or can the loan wait until you have an opportunity to build up your credit score and receive a better rate?

Only you can answer that question, but at least be sure to ask the question before you rush into getting urgent loans. Urgent loans do ensure that you have alternatives, but be sure to check them out thoroughly. Review the terms to make sure that you understand all the fees and potential charges, and calculate the total amount of money you will pay over the life of the loan.

Choose poorly, and you could be caught in a seemingly endless debt cycle. Choose wisely, and you could be on your way to improving your financial position while rebuilding your credit.

How to Secure a Personal Loan Quickly

If you have limited capital and are searching for a personal loan to expand your business, the loan consultants at iCompareLoan can set you up on a path that can get you a it in a quick and seamless manner. Our loan consultants have close links with the best lenders in town and can help you compare various loans and settle for a package that best suits your needs. Find out money saving tips here.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

If you are looking for a new home loan or to refinance, our Mortgage brokers can help you get everything right from calculating mortgage repayment, comparing interest rates all through to securing the best home loans in Singapore. And the good thing is that all our services are free of charge. So it’s all worth it to secure a loan through us for your business expansion needs.

Contact us for advice on a new home loan.

Contact us for home loan or refinancing advice.

The post Secure loans from non-traditional lenders if you have high debt-to-income ratio appeared first on iCompareLoan Resources.