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<title> &#45; : Finance</title>
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<description> &#45; : Finance</description>
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<item>
<title>Transitioning Stamp Duty Refunds to Fully Digital Payments</title>
<link>https://news.bsr2.com/transitioning-stamp-duty-refunds-to-fully-digital-payments</link>
<guid>https://news.bsr2.com/transitioning-stamp-duty-refunds-to-fully-digital-payments</guid>
<description><![CDATA[ From September 2025, Stamp Duty cheque refunds will be discontinued. Learn how GIRO and PayNow will streamline refunds, the benefits of going digital, scenarios of preparedness, and FAQs for real estate professionals. ]]></description>
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<pubDate>Wed, 10 Sep 2025 15:22:29 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>IRAS stamp duty refund, cheque phase out, GIRO registration, PayNow NRIC UEN, digital payment Singapore, tax refund changes, real estate compliance Singapore, electronic refunds  Tags:</media:keywords>
</item>

<item>
<title>HDB Resale: A Full Breakdown of Legal Fees, Stamp Duty &amp;amp; Hidden Costs</title>
<link>https://news.bsr2.com/hdb-resale-a-full-breakdown-of-legal-fees-stamp-duty-hidden-costs</link>
<guid>https://news.bsr2.com/hdb-resale-a-full-breakdown-of-legal-fees-stamp-duty-hidden-costs</guid>
<description><![CDATA[ Know every fee before you buy an HDB resale flat in 2025: legal/conveyancing costs, BSD, ABSD, valuation, caveat, and practical ways to reduce surprise charges. ]]></description>
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<pubDate>Sat, 23 Aug 2025 17:10:18 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>HDB legal fees 2025, HDB resale costs, conveyancing fees HDB, HDB stamp duty, ABSD 2025, HDB hidden fees, resale flat costs Singapore</media:keywords>
</item>

<item>
<title>How to Calculate Your Condo Downpayment in Singapore (2025)</title>
<link>https://news.bsr2.com/how-to-calculate-your-condo-downpayment-in-singapore-2025</link>
<guid>https://news.bsr2.com/how-to-calculate-your-condo-downpayment-in-singapore-2025</guid>
<description><![CDATA[ Learn how much downpayment is required for a condo in Singapore in 2025. Breakdown for citizens, PRs, and foreigners with ABSD, BSD, LTV rules, case studies, and cost scenarios. ]]></description>
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<pubDate>Sat, 23 Aug 2025 16:05:43 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>ondo downpayment Singapore 2025, ABSD Singapore 2025, BSD Singapore property, condo financing guide, Singapore PR condo costs, foreigner buy condo Singapore</media:keywords>
</item>

<item>
<title>The Complete, Step&#45;by&#45;Step Guide for HDB Enhanced Contra Facility (ECF) 2025</title>
<link>https://news.bsr2.com/the-complete-step-by-step-guide-for-hdb-enhanced-contra-facility-ecf-2025</link>
<guid>https://news.bsr2.com/the-complete-step-by-step-guide-for-hdb-enhanced-contra-facility-ecf-2025</guid>
<description><![CDATA[ Learn how HDB’s Enhanced Contra Facility lets you sell and buy on the same day, cut cash outlay, and reduce your loan—clear steps, tips, and FAQs. ]]></description>
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<pubDate>Sat, 23 Aug 2025 15:19:48 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>B Contra, ECF 2025, sell and buy same day, HDB resale process, CPF refund, HFE letter, second HDB loan, bridging loan alternative, HDB timeline</media:keywords>
</item>

<item>
<title>Timing Rules of Additional Buyer’s Stamp Duty (ABSD) in Singapore</title>
<link>https://news.bsr2.com/timing-rules-of-additional-buyers-stamp-duty-absd-in-singapore</link>
<guid>https://news.bsr2.com/timing-rules-of-additional-buyers-stamp-duty-absd-in-singapore</guid>
<description><![CDATA[ Learn how to avoid or manage Additional Buyer’s Stamp Duty (ABSD) in Singapore property transactions. Step-by-step guides, examples, and FAQs on selling and buying timing for HDB and private properties, including CPF use, refunds, and strategies for couples. ]]></description>
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<pubDate>Fri, 22 Aug 2025 16:09:50 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>ABSD Singapore, ABSD timing, Additional Buyer’s Stamp Duty, ABSD refund, Singapore property tax, HDB sale and purchase, private property Singapore, sell one buy two property Singapore, CPF property rules, decoupling property Singapore, buying before selling property, selling before buying property, ABSD for couples, ABSD for Singaporeans, ABSD refund eligibility, Singapore property investment</media:keywords>
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<item>
<title>Guidelines on Pre&#45;Approved Amendments to the Option to Purchase for Compliance with Anti&#45;Money Laundering, Proliferation Financing, and Terrorism Financing Regulations</title>
<link>https://news.bsr2.com/guidelines-on-pre-approved-amendments-to-the-option-to-purchase-for-compliance-with-anti-money-laundering-proliferation-financing-and-terrorism-financing-regulations</link>
<guid>https://news.bsr2.com/guidelines-on-pre-approved-amendments-to-the-option-to-purchase-for-compliance-with-anti-money-laundering-proliferation-financing-and-terrorism-financing-regulations</guid>
<description><![CDATA[ Learn about Singapore’s updated Option to Purchase rules and how pre-approved amendments help property developers comply with anti-money laundering, proliferation financing, and terrorism financing laws. This guide explains the rules step-by-step and provides Annex A in plain English. ]]></description>
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<pubDate>Thu, 14 Aug 2025 17:45:43 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>Option to Purchase Singapore, Housing Developers Rules, Sale of Commercial Properties Rules, Customer Due Diligence, AML compliance, property developer guidelines Singapore, anti-money laundering property law, terrorism financing prevention real estate, proliferation financing Singapore, Controller of Housing amendments, Annex A OTP</media:keywords>
</item>

<item>
<title>Refinance a Home Loan in Singapore: A Complete Guide</title>
<link>https://news.bsr2.com/refinance-a-home-loan-in-singapore-a-complete-guide</link>
<guid>https://news.bsr2.com/refinance-a-home-loan-in-singapore-a-complete-guide</guid>
<description><![CDATA[ Explore how refinancing a mortgage in Singapore can help reduce your loan costs, shorten your repayment period, or unlock home equity. A complete professional guide with strategic insights for smart homeowners. ]]></description>
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<pubDate>Fri, 01 Aug 2025 20:42:22 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>mortgage refinancing Singapore, refinance home loan Singapore, refinance guide 2025, home equity loan Singapore, reduce mortgage payments, refinance private property, refinance HDB loan, refinance interest rates Singapore, home loan refinancing steps, refinance costs Singapore, refinancing calculator Singapore</media:keywords>
</item>

<item>
<title>How Much is the Downpayment for a Condo in Singapore in 2025?</title>
<link>https://news.bsr2.com/how-much-is-the-downpayment-for-a-condo-in-singapore-in-2025</link>
<guid>https://news.bsr2.com/how-much-is-the-downpayment-for-a-condo-in-singapore-in-2025</guid>
<description><![CDATA[ Understand the full cost breakdown for condo downpayments in Singapore in 2025. Learn about ABSD, BSD, LTV ratios, and cash requirements for Singaporeans, PRs, and foreign buyers. ]]></description>
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<pubDate>Sat, 26 Jul 2025 13:17:34 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>condo downpayment Singapore 2025, ABSD Singapore 2025, BSD calculation Singapore, Singapore LTV ratio 2025, CPF property payment, property purchase cost Singapore, foreign buyer Singapore property</media:keywords>
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<item>
<title>How to Improve Your Chances of Getting a Mortgage in Singapore</title>
<link>https://news.bsr2.com/how-to-improve-your-chances-of-getting-a-mortgage-in-singapore</link>
<guid>https://news.bsr2.com/how-to-improve-your-chances-of-getting-a-mortgage-in-singapore</guid>
<description><![CDATA[ A complete guide to increasing your mortgage eligibility in Singapore. Learn how to build a strong financial foundation, navigate the application process, compare loan options, and understand the differences between HDB and bank loans. Ideal for both locals and foreigners looking to buy property in Singapore. ]]></description>
<enclosure url="https://news.bsr2.com/uploads/images/202507/image_870x580_68835ec5809ec.jpg" length="78374" type="image/jpeg"/>
<pubDate>Fri, 25 Jul 2025 18:39:09 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>mortgage eligibility Singapore, how to get a home loan Singapore, HDB loan vs bank loan, Singapore home financing, improve credit score Singapore, debt-to-income ratio Singapore, IPA mortgage Singapore, mortgage documents Singapore, LTV ratio Singapore, MSR limit HDB, TDSR Singapore, foreigner home loan Singapore, buy house Singapore loan</media:keywords>
</item>

<item>
<title>How Do US Federal Reserve Interest Rate Changes Impact Mortgage Rates in Singapore?</title>
<link>https://news.bsr2.com/how-do-us-federal-reserve-interest-rate-changes-impact-mortgage-rates-in-singapore</link>
<guid>https://news.bsr2.com/how-do-us-federal-reserve-interest-rate-changes-impact-mortgage-rates-in-singapore</guid>
<description><![CDATA[ Explore how changes in US Federal Reserve interest rates impact Singapore’s mortgage rates via SORA, affecting monthly repayments, loan eligibility, and refinancing strategies in 2025. ]]></description>
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<pubDate>Fri, 25 Jul 2025 14:57:27 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>US Fed interest rates, Singapore mortgage rates, SORA, home loan interest Singapore, mortgage refinancing Singapore, Fed rate impact, Total Debt Servicing Ratio, loan eligibility Singapore, stress test rates, property financing Singapore</media:keywords>
</item>

<item>
<title>Understanding Total Debt Servicing Ratio (TDSR) in Singapore: A Complete Guide to Home Loan Eligibility</title>
<link>https://news.bsr2.com/understanding-total-debt-servicing-ratio-tdsr-in-singapore-a-complete-guide-to-home-loan-eligibility</link>
<guid>https://news.bsr2.com/understanding-total-debt-servicing-ratio-tdsr-in-singapore-a-complete-guide-to-home-loan-eligibility</guid>
<description><![CDATA[ Understand the Total Debt Servicing Ratio (TDSR) in Singapore — how it affects your home loan eligibility, how to calculate it, what counts toward your debt obligations, and who is exempt. This complete 2025 guide covers TDSR formulas, loan limits, MAS rules, and real-life calculation examples for fixed income, joint borrowers, and self-employed individuals. ]]></description>
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<pubDate>Fri, 25 Jul 2025 14:35:27 +0800</pubDate>
<dc:creator>BSR2</dc:creator>
<media:keywords>TDSR Singapore 2025, Total Debt Servicing Ratio Singapore, how to calculate TDSR, Singapore property loan rules, home loan eligibility Singapore, TDSR exemptions MAS, debt servicing formula Singapore, mortgage calculator Singapore, housing loan limit Singapore, TDSR vs MSR, TDSR framework, joint application TDSR, refinancing exemption Singapore, MAS TDSR rules</media:keywords>
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