With shifting property values and evolving interest rate environments, is Singapore's classic affordability compass still reliable? Here is how the conservative 3-3-5 rule holds up in today’s real estate market—and whether it still protects your financial freedom. Breaking Down the Classic 3-3-5 Rule The rule sets three financial safety benchmarks before buying a home: Capital (30%):...
3-3-5 Rule
Choosing between CPF Ordinary Account (OA) funds and cash to service your monthly mortgage is one of the most critical financial decisions for Singapore property owners. This decision directly impacts your immediate cash flow, long-term portfolio growth, and retirement readiness. 1. The Case for Using CPF Ordinary Account (OA) Using your CPF OA funds to pay off your mortgage is the most...