What is an ideal time line for home owners to refinance their properties? Should current low interest rates be a factor for consideration?

I’ve seen an increase in people looking to have their partners listed as essential occupiers for a HDB flat, instead of being co-applicants. May I ask what are some pros and cons for this?

Assuming there are no cash flow issues, is it advisable to pay fully with cash upfront for a property?

With morgage loan lower now, is it worthwhile to use CPF for housing installment? Indeally how much of the CPF contribution Vs the installment should be?

For a single person looking at buying a condo, what are the important things I should look at? Should I be worried that my CPF will be totally used for property and nothing left for retirement?

when it is a good time to refinance a mortgage? Is it better to do this after MOP? After 10 years?

Hi! WIll like to find out what is the process like for refinancing? Thank you.

Is Singapore property market on an expansionary mode?

HDB resale and private residential prices are increasing with no signs of slowing down. Do you think this is an asset bubble or a sustained momentum into the long term?

1. Does it make economic sense to repay part of my housing loan earlier when interest rates start to increase?

2. When is the right time to refinance a housing loan? Are there any metrics to guide us?

I understand that if we use CPF to pay for the house, we will need to repay the amount back to CPF with interest. Given that, would bank loan be better since our CPF can earn interest and we don't need to repay it.

Hi, may I check what are the considerations that I need to take note of when choosing between housing loans from the bank? Also, are we are able to switch from CPF home loan to bank anytime (and vice versa)?

• Is it mathematically more logical to (i) frontload a downpayment to minimise loan amount and tenure, or (ii) invest the monies to generate passive income p.a. of around 3% while servicing a loan?

• In relation to the previous question, what lifestyle and financial considerations should one take in making such a decision?

• Post-Mah Bow Tan "HDB as investment" era, what should the financial considerations be for an owner of a HDB flat whose flat is fully paid for, but the flat is approaching 40 years of its 99 leasehold? Can and should a HDB flat ever be treated as an investment? If so, is it in reality more of a depreciating asset or an appreciating one?

• Based on data, notwithstanding macroeconomic trends, at which point in its leasehold is a HDB flat no longer an appreciating asset but a depreciating asset?

• The internet has "gurus" that talk about owning/living in a condo as an investment, even if that requires leverage. From a purely financial standpoint, is this a viable and more stable investment strategy, versus living within means, having less leverage and making (lower-risk) investments?

• Like to ask about the CPF versus bank loan approach to buying property in your 40s. What are the main considerations for this demography of people?

Thanks for organising yet another AMA session. For many new home buyers, I believe one of the considerations would be whether to opt for a fixed/floating rate. What are some of the pros, cons and considerations you can share about both?