{"id":865,"date":"2017-02-08T03:12:25","date_gmt":"2017-02-08T03:12:25","guid":{"rendered":"http:\/\/homeloanwhiz.homeloanwhiz.com\/?page_id=865"},"modified":"2024-04-30T11:07:12","modified_gmt":"2024-04-30T11:07:12","slug":"home-loan-basics","status":"publish","type":"page","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/home-loan-basics\/","title":{"rendered":"Home Loan Basics"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[mk_page_section][vc_column][mk_fancy_title size=&#8221;40&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]\n<p style=\"text-align: center;\">Home Loan Basics<\/p>\n[\/mk_fancy_title][vc_row_inner css=&#8221;.vc_custom_1484734772040{margin-bottom: 30px !important;}&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Definition of Home Loan[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text]Home loan &#8211; A loan in which the borrower puts up the title deed to real estate as security (collateral) for a loan. If the borrower doesn&#8217;t pay back the loan on time, the lender can foreclose on the real estate, have it sold in order to pay off the home loan.<\/p>\n<p>This simply means that the failure to make payments on your home loan could result in you losing your home. One should always ensure that they can comfortably afford the repayments on a loan by consulting with us.[\/vc_column_text][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Basic Components of a Home Loan[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text]\n<ul class=\"font_100\">\n<li>\n<p class=\"font_8\"><span class=\"color_18\"><strong>Loan Amount<\/strong> &#8211; t<\/span><span class=\"color_18\">his is the principal amount that you want to borrow. Banks in Singapore can usually give a loan of up to 80% of the property value.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"font_8\"><span class=\"color_18\"><strong>Interest Rates<\/strong> &#8211; this is how much interest that is paid annually to the lender of the loan. Interest rates can be fixed, floating, or a combination of both.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"font_8\"><span class=\"color_18\"><strong>Loan Tenure<\/strong> &#8211; this is the duration of time that you take to completely repay the loan. Loan terms usually range from 5 years to 40 years.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"font_8\"><span class=\"color_18\"><strong>Lock in Period<\/strong> &#8211; this is a duration in which any changes to your loan terms like refinancing or repricing will incur penalties.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"font_8\"><span class=\"color_18\"><strong>Repayment<\/strong> &#8211; The home loan is usually repaid via monthly installments. This payment comprises of two parts. One is the repayment of the principal amount while the other is for the repayment of the interest.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"font_8\">While there are hundreds of different loan packages out there to consider, Home Loan Whiz makes your life easier by helping you shortlist and select the most suitable package for you. Feel free to <span class=\"color_7\"><strong>Contact us<\/strong><\/span> now for a discussion.<\/p>\n[\/vc_column_text][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Types of Home Loans[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text]\n<p class=\"font_8\">A <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/\" target=\"_self\" rel=\"noopener\">mortgage<\/a> is usually taken up to finance the purchase of a <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/home-loans\/\" target=\"_self\" rel=\"noopener\">new property<\/a> or to <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/refinancing\/\" target=\"_self\" rel=\"noopener\">refinance <\/a>an existing property.<\/p>\n<p class=\"font_8\">Initially, most banks offer discount rates for a certain period of time, also known as the lock-in period. The discount rate stops once the loan reaches the end of the lock-in period.<\/p>\n<p class=\"font_8\">The borrower can then refinance to get the lower rates again. A high percentage of home owners do not refinance as they get very comfortable and fail to take the effort every few years. This will cost them thousands of dollars in the long run. We have very specialised<a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/refinancing\/\" target=\"_self\" rel=\"noopener\"> refinance<\/a> calculators that can help you calculate your cost savings almost immediately. Do let us know if you require such calculations.<\/p>\n<p class=\"font_8\">In some cases,<a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/refinancing\/\" target=\"_self\" rel=\"noopener\"> refinancing<\/a> allows the borrower to increase the loan amount and cash out the excess cash from their property for investment, business, or paying off their car loans, which usually come with very high interest rates. Compared to personal loans, <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/\" target=\"_self\" rel=\"noopener\">mortgages<\/a> are the cheapest financing option available for most home buyers.<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=&#8221;arrangeformseven&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1714475229376{background-color: #ffaa00 !important;}&#8221;][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Contact Us[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text css=&#8221;.vc_custom_1714475214965{margin-bottom: 0px !important;}&#8221;]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f47207-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"47207\">\n<div 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sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/mk_page_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[mk_page_section][vc_column][mk_fancy_title size=&#8221;40&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;] Home Loan Basics [\/mk_fancy_title][vc_row_inner css=&#8221;.vc_custom_1484734772040{margin-bottom: 30px !important;}&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Definition of Home Loan[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text]Home loan &#8211; A loan in which the borrower puts up the title deed to real estate as security (collateral) for a loan. If the borrower doesn&#8217;t pay<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-865","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Loan Basics - Home Loan Whiz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/home-loan-basics\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Loan Basics - Home Loan Whiz\" \/>\n<meta property=\"og:description\" content=\"[mk_page_section][vc_column][mk_fancy_title size=&#8221;40&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;] Home Loan Basics [\/mk_fancy_title][vc_row_inner css=&#8221;.vc_custom_1484734772040{margin-bottom: 30px !important;}&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][mk_fancy_title size=&#8221;20&#8243; font_weight=&#8221;300&#8243; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]Definition of Home Loan[\/mk_fancy_title][vc_separator color=&#8221;orange&#8221; border_width=&#8221;2&#8243; el_width=&#8221;50&#8243;][vc_column_text]Home loan &#8211; A loan in which the borrower puts up the title deed to real estate as security (collateral) for a loan. 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