Insights on Bridging Finance
Market commentary and explainers for Singapore.
Charting New Horizons: Over $1 Billion in Bridge Funding
We are thrilled to announce a monumental milestone at Rikvin Capital – since our inception, we’ve provided over $500 million in bridge loans, reflecting our firm commitment to fostering growth and stability in an ever-changing financial landscape.
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Short-Term Property Loans to Help TDSR Roadblocks
Learn how a property bridge loan in Singapore can help investors move ahead fast when traditional lenders stall due to income and TDSR limits.
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Bridging Loans for GCB in Singapore (Good Class Bungalows)
Bridging loans for Good Class Bungalows (GCBs) in Singapore provide fast, flexible financing for these ultra-exclusive landed homes. GCBs are rare detached properties that require large land plots, and bridging finance allows buyers to secure them quickly without waiting for long-term funding.
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Unlock Competitive Private Financing in Singapore
When it comes to securing funds quickly and efficiently, traditional bank loans aren’t always the perfect fit. Whether you have unique income situations, an imperfect credit history, or need flexible, creative financing solutions, Rikvin Capital stands ready to provide private loans for properties in Singapore. We offer competitive rates, minimal paperwork, and swift approvals—making us a reliable alternative when time is of the essence. Why Choose Rikvin Capital? Fast Approvals & Quick Disbursement We understand that opportunities—and emergencies—don’t wait around. With Rikvin Capital, you could receive an approval within a week and loan disbursement shortly thereafter, as opposed to the traditional 3-6 months turnaround time from banks. Flexible Lending Criteria Unlike banks that focus heavily on income proofs and credit …
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Name Lending: A Solution for Asset-Rich Clients Facing Cash Flow Constraints
In the fast-paced world of real estate and corporate acquisitions, securing short-term capital swiftly and efficiently can be a game-changer. However, even asset-rich clients sometimes face challenges in raising additional funding due to stringent regulatory constraints like the Total Debt Servicing Ratio (TDSR) or having multiple properties that limit their ability to cash out additional funds due to LTV (Loan-to-Value) caps set by banks. Additionally, having a second charge is typically not practiced in Singapore as banks do not allow any negative pledges. This is where name lending comes into play, offering a viable solution for clients with substantial assets but limited borrowing capacity under conventional lending frameworks. The Scenario TDSR Constraints Recently, at Rikvin Capital, we were approached by …
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Rikvin Capital Expands Bridge and Long-Term Funding Services to Include U.S. Market for Non-Resident Investors
We are excited to announce that we now provide our clients with access to top mortgage loans for non-resident U.S. real estate investors, thereby expanding our reach beyond Singapore and the UK to the thriving U.S. property market. Rikvin Capital, a leader in providing bridging loans and long-term funding for properties in Singapore and the UK, proudly announces the expansion of its services to include the U.S. market. We now offer top-tier mortgage solutions tailored for non-U.S. residents and U.S. expats. With the U.S. real estate market showing sustained growth and stability, non-resident investors are increasingly drawn to the abundant opportunities for substantial returns. Navigating the intricacies of obtaining a mortgage loan as a non-resident can present challenges, but Rikvin …
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Rikvin Capital Secures Additional Funding from Bank to Expand Loan Offerings
Rikvin Capital is pleased to announce that we have successfully secured additional funding from our banking partner. The initial $25 million line of credit has been significantly upsized, providing us with increased capacity to extend further loans to our valued clients. Strengthening Our Financial Base This substantial increase in our credit line underscores the confidence that our banking partner has in Rikvin Capital’s financial strength and strategic vision. The enhanced funding will allow us to continue delivering high-quality, reliable, and flexible financial solutions to our clients. Expanding Our Lending Capabilities With the additional funding, Rikvin Capital is well-positioned to expand our loan offerings, providing even more comprehensive support to High Net Worth Individuals (HNWIs) and corporations. Our ability to leverage …
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Rikvin Capital Announces Successful Bond Redemption and Final Coupon Payment
Rikvin Capital is pleased to announce the successful redemption of our $150 million bond issuances, alongside the payment of the final coupon to our valued bondholders. This redemption, completed at the end of June 2024, highlights our strong market position and the significant trust investors have in our robust financial strategies. A Milestone of Trust and Achievement In a dynamic financial landscape, Rikvin Capital remains steadfast in its mission to drive stability and growth. The redemption of these bonds, initially raised through two separate issuances, reflects our unwavering dedication to providing high-quality, reliable, and flexible financial solutions. Strengthening Financial Resilience Since our inception, Rikvin Capital has consistently demonstrated financial strength and resilience. Having provided more than $700 million in bridge …
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Rikvin Capital Announces Upcoming Bond Redemption and Final Coupon Payment
Rikvin Capital is pleased to announce the upcoming redemption of our $150 million bond issuances, alongside the payment of the final coupon to our valued bondholders. This redemption, scheduled for the end of June 24, highlights our strong market position and the significant trust investors have in our robust financial strategies. A Milestone of Trust and Achievement In a dynamic financial landscape, Rikvin Capital remains steadfast in its mission to drive stability and growth. The redemption of these bonds, initially raised through two separate issuances, reflects our unwavering dedication to providing high-quality, reliable, and flexible financial solutions. Strengthening Financial Resilience Since our inception, Rikvin Capital has consistently demonstrated financial strength and resilience. Having provided more than $700 million in bridge …
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Bridging New Horizons: Simplifying Dubai Property Loans with Rikvin Capital
Welcome to the latest chapter in Rikvin Capital’s journey. As a leading provider of bridging loans for properties in Singapore and the UK, we have carved out a reputation for facilitating swift, reliable financing solutions. Today, we are excited to announce an extension of our expertise into one of the world’s most vibrant real estate markets: Dubai. This expansion comes at a time when Dubai’s property market is experiencing unprecedented growth, presenting lucrative opportunities for investors worldwide. However, navigating the complexities of securing financing in Dubai can be challenging, especially for international investors. Rikvin Capital is stepping in to bridge this gap, offering a seamless solution for those looking to invest in Dubai’s booming real estate sector. Understanding Dubai’s Property …
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Announcement of Fourth Quarter Bond Coupon Payment
We are excited to inform our valued investors and dedicated supporters that Rikvin Capital is set to disburse the fourth quarter coupon payment to all bondholders on the upcoming 28th of March. This forthcoming payment is a testament to our commitment to delivering reliable returns and further solidifies our strong position within the financial industry, after achieving the significant milestone of raising $200 million through our private corporate bond issuance. Expressing Our Sincere Gratitude As we approach this important disbursement date, we wish to express our profound gratitude to each of our investors and supporters. Your unwavering trust and belief in Rikvin Capital’s strategic financial approach have been indispensable to our continuous success and growth. This imminent payment not only …
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When Time Is Not on Your Side: The Bridge to Your Financial Salvation
In the heart of Singapore, amidst the lush landscapes of Bukit Timah, a property owner found themselves at the precipice of financial uncertainty. Dreams tethered to a magnificent semi-detached home, the embodiment of years of hard work and aspirations, were on the brink of crumbling. This is not just a story of a home; it’s a journey through the tempest of financial challenges and the beacon of hope that shines through the darkness. The Clock Ticks Imagine the ground beneath you giving way as the bank, once a trusted partner, sets an ultimatum. The reason? A stipulation unmet, an Asset Under Management (AUM) minimum not maintained. The consequence? A relationship severed, a lifeline withdrawn. With the bank’s deadline looming like …
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Navigating the AUM Crunch: How Bridging Loans Are Saving Property Owners from PB Bank Pressures
Overcoming AUM Hurdles In the intricate dance of property financing, a new hurdle has emerged for individuals leveraging property loans, especially within the confines of private banking (PB) sectors. The stringent requirement by Monetary Authorities for a 50% loan-to-value (LTV) ratio in assets under management (AUM) has led to a significant predicament for property owners. Banks, grappling with their own AUM challenges, are increasingly hesitant to fund properties merely as an overdraft, leaving clients in a precarious position. Amidst this financial squeeze, Rikvin Capital offers a glimmer of hope with its innovative short-term bridging loans, designed to navigate through these tumultuous times. The Offloading Dilemma As banks prioritize clients with substantial AUMs, many property owners find themselves offloaded, cast aside …
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Rikvin Capital Sets a New Record in Bridge Lending and Aims to Double Its Lending Book in 2024
Rikvin Capital, a leading figure in asset-backed lending, is proud to celebrate a milestone year in 2023, having surpassed loan originations of 200 million plus. Since its establishment in 2018, Rikvin Capital has emerged as a beacon of innovation and reliability in the bridge lending industry, amassing a cumulative loan book of over 600 million to date. Specializing in top-tier bridge financing solutions, we serve high-net-worth individuals and corporates in Singapore and the UK, tailoring our offerings to meet their unique financial needs. Our remarkable growth and the expansion of our lending portfolio are a testament to our commitment to fulfilling the diverse requirements of our clients. Highlights from 2023 include significant transactions in prime properties located in Sentosa, Mayfair, …
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The End of an Arbitrage: Bonds, Interest Rates, and Property Loans
In Singapore’s financial landscape, a once-profitable strategy utilized by private banking clients is facing its twilight.
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Bridging Dreams into Reality: Rikvin Capital’s Inaugural Bridge Loan Transforms Glasgow’s Skyline
In the heart of Glasgow, a transformative project is reshaping the city’s skyline – the construction of a 13-storey building for global financial powerhouse JP Morgan Chase. At Rikvin Capital, we are proud to have played a pivotal role in the inception of this monumental project. This was not just any project for us; it marked our foray into the world of bridge loans, a venture that has now become a cornerstone of our success. Our Involvement Back in 2018, a Singapore-based company approached us with a vision – to transform a dilapidated site on Argyle Street into a hub of technological innovation and corporate excellence. Our role was crucial yet clearly defined: to fund the acquisition of this prime …
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Rikvin Capital Celebrates a Stellar 2023: Over $200 Million Loan Book
Reflecting on a Remarkable Year As 2023 comes to a close, Rikvin Capital is proud to announce a significant milestone in our journey. We have successfully closed the year with a loan book exceeding $200 million. This achievement is not just about the numbers; it’s a testament to our robust financial strategies and commitment to sustainable growth. A Year of Exceptional Growth Our growth in 2023 has been nothing short of remarkable. We’ve seen an expansion of over 100 percent in our loan book. This incredible growth, especially in a dynamic and challenging financial environment, underscores our dedication to providing top-notch financial solutions to our clients. Zero NPL – A Mark of Reliability One of the most noteworthy aspects of …
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Rikvin Capital: Successful Bond Coupon Payout
Announcing the Upcoming Third Quarter Coupon Payment As the year 2023 progresses towards its end, we at Rikvin Capital are pleased to inform our esteemed investors of a significant upcoming milestone. Following our earlier accomplishment of raising $200 million through a private corporate bond issuance, we are now set to issue the third quarter coupon payout on December 30th. This event is a testament to our financial resilience and our unwavering commitment to our investors. A Commitment to Timely Returns This upcoming coupon payment is a clear indicator of our dedication to providing timely and consistent returns to our investors. It reflects not only our financial stability but also the trust and confidence our investors have placed in us. The …
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Bridge Loans: A Game Changer in Real Estate Investments
Bridge loans, a form of short-term financing, are gaining traction in the dynamic real estate markets of Singapore and the UK. These loans serve as interim financial support for individuals and businesses, bridging the gap between the immediate need for funds and the eventual availability of longer-term financing. Traditionally used to cover immediate real estate transaction costs, bridge loans have become increasingly relevant due to their flexibility and speed of access. In recent years, the real estate sectors in both Singapore and the UK have witnessed a heightened interest in bridge loans. This surge can be partly attributed to the implementation of tighter lending regulations, such as the Total Debt Servicing Ratio (TDSR) in Singapore. TDSR, a framework introduced by …
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Bridge Loans: An Essential Guide for Strategic Financing
Bridge Loans serve as a crucial intermediary financial solution for individuals and businesses, particularly in Singapore’s dynamic real estate and business sectors.
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Navigating Singapore Property Investment: A Guide to Bridge Loans for Foreign Investors
Are you an international investor considering the vibrant Singapore property market? You’re joining a growing number of global investors attracted to Singapore’s robust real estate sector. However, securing funding from local banks can be a complex and restrictive journey, particularly for foreign investors. Singaporean banks, like their UK counterparts, often focus on cash flow for loan repayment and adhere to stringent regulatory requirements, including Total Debt Servicing Ratio (TDSR) guidelines. In an economic environment where banks might tighten their lending criteria, obtaining financing can be challenging. While local banks are a traditional source for property financing, their current restrictive stance makes bridge loans an appealing alternative. It’s important to note that bridge loans, while effective in specific situations, are generally …
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Understanding Short-Term, Bridge, and Long-Term Loans
Welcome to our detailed exploration of the diverse world of loan options, specifically honing in on short-term loans, bridge loans, and long-term loans.
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5 Key Advantages of Bridge Loans in Singapore
In the fast-paced real estate and investment markets of Singapore, bridge loans stands out as an invaluable tool for savvy investors and businesses.
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Rikvin Capital Triumphs with an Additional $50 Million Secured in Third Round of Bond Issuance
Today, we are excited to announce a significant enhancement to our service: a $20 million credit line from a top-tier financial institution.
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Rikvin Capital Strengthens Bridge Financing Capabilities with an Additional $20 Million Credit Line
Today, we are excited to announce a significant enhancement to our service: a $20 million credit line from a top-tier financial institution.
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Rikvin Capital: Successful Second Quarter Coupon Payment Post-Bond Issuance
Following our significant achievement of raising $150 million through private corporate bond issuance, Rikvin Capital has successfully completed the coupon payment for the second quarter.
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The Diverging Property Markets: Prime vs. Non-Prime Areas
While prime areas in both the UK and Singapore continue to hold steady amid the economic uncertainties, non-prime areas are facing significant downward pressure on property values.
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Navigating the Landscape: Rising Interest Rates and Falling LTVs in the UK and Singapore Bridging Loan Market
The bridging loan market in the UK and Singapore is undergoing significant shifts.
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When Banks Say No: Bridging the Gap in High-Value Property Financing
In the glittering skyline of Singapore, where prime real estate reigns supreme, owning multiple properties is a clear symbol of wealth and success.
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Rikvin Capital Secures an Additional $50 Million in Second Round of Bond Issuance
Following our initial success of raising $100 million through a bond issuance, we are thrilled to announce that we have secured an additional $50 million in a second round of bond issuance.
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Reaching New Heights: 200 Million in Bridge Lending in 2023
Rikvin Capital has reached the remarkable milestone of 200 million in bridge lending in 2023!
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A Bridge Over Troubled Waters: Empowering a Woman Entrepreneur through Timely Financing
In times of uncertainty, a helping hand can be the difference between success and failure. Recently, Rikvin Capital was approached by a determined woman entrepreneur who was facing a challenging predicament.
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Rikvin Capital Raises $100 Million in Successful Bond Issuance
Rikvin Capital is proud to announce that we have successfully raised $100 million through the issuance of corporate bonds.
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Charting New Horizons: Over $500M in Bridge Loans and Counting
We are thrilled to announce a monumental milestone at Rikvin Capital – since our inception, we’ve provided over $500 million in bridge loans, reflecting our firm commitment to fostering growth and stability in an ever-changing financial landscape.
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Bridging Loans for Property Auctions: Seizing Opportunities
Property auctions have long been a captivating arena for investors seeking lucrative opportunities. These events offer a unique platform where properties, both residential and commercial, are sold to the highest bidder.
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Introducing Rikvin Capital’s Fund Liquidity Solutions: Supporting Mature Funds in Challenging Times
At Rikvin Capital, we understand the importance of addressing these challenges and are excited to introduce our latest offering: Fund Liquidity Solutions.
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Rikvin Capital Expands Offerings with Multi-Strategy Approach
Rikvin Capital is taking a giant leap forward in delivering exceptional financial services. We are expanding our offerings to include opportunistic investing and fund liquidity solutions, in addition to our existing bridge funding services. Our goal is to provide even more comprehensive solutions to meet the diverse needs of our valued clients. Opportunistic Investing Our team at Rikvin Capital has always been known for identifying unique opportunities in the market, and now we are taking it a step further. With our opportunistic investing strategy, we aim to support companies facing challenges in obtaining traditional financing or requiring additional capital for growth. By leveraging our extensive expertise, we bring innovative capital solutions to underserved sectors and niche markets. Fund Liquidity Solutions …
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Bridging Funding: The Out-of-the-Box Solution for Your Business
As a business owner, securing funding can be a challenge. Traditional banks often scrutinize cash flow and credit history, making it difficult for businesses to get the financing they need. But there’s another way to secure funding: bridging funding. At Rikvin Capital, we specialize in out-of-the-box funding solutions that go beyond traditional lending. We understand that your business may not meet the strict cash flow requirements of traditional lenders, which is why we focus on the value of your assets instead. Our bridging funding solutions can help you access fast and flexible financing to support your business needs, whether it’s for acquisitions, renovations, or working capital. Fast Access to Cash with Bridging Funding One of the main advantages of bridging …
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Bridging Funding: An Alternative Cash Flow Solution for Singapore Businesses
Singaporean businesses are facing challenges in securing funding to support their growth and expansion plans. Traditional banks are tightening their lending rules and scrutinizing cash flows, making it harder for businesses to secure funding. However, bridging funding can provide an alternative option for businesses in need of quick cash. Fast Access to Cash with Bridging Funding Bridging funding, also known as bridging loans, is a type of short-term financing that provides immediate cash flow to businesses. Bridging loans are designed to “bridge the gap” between the need for cash and the receipt of funds from other sources. These loans are typically secured against a borrower’s assets, such as property or equipment, and can be used to finance a range of …
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Options for Funding Your Business in the Tightening Lending Market
The current lending market has made it difficult for many small businesses to secure funding from traditional sources like banks. With tighter lending rules and rising interest rates, entrepreneurs are left searching for alternative funding options. In this blog post, we’ll explore four options for funding your business in the current lending market. Here are the Options for Funding Your Business Option 1: The Family & Friends Route (Angels) Borrowing from friends and family can be a quick and easy way to secure funding for your business. However, it’s important to approach this option with caution and treat it as a professional arrangement. Be clear about the terms of the loan and ensure that you have a repayment plan in …
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Exploring Non-Bank Lending Options for Singapore Property Owners
As property values in Singapore continue to rise, many property owners find themselves with significant assets but limited cash flow. Traditional bank loans can be challenging to secure, with stringent lending criteria and long processing times.
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Singapore Bridge Loans: A Flexible Financing Option for High-Value Real Estate owners
Traditional banks have stringent lending criteria, making it difficult for property owners to access financing quickly, especially if they only want to borrow based on their property’s asset value. That’s where Singapore bridge loans come in.
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Bridge the Gap with Rikvin Capital’s Singapore Bridge Loans for High-Net-Worth Individuals and Corporates
Have you ever dreamed of investing in real estate in Singapore, but found yourself short on cash or time? Maybe you’re a high-net-worth individual who sees a once-in-a-lifetime opportunity to purchase a prime piece of commercial property, but you need to act fast before someone else snatches it up. Or maybe you’re a corporate entity that needs to bridge a gap between the sale of one property and the purchase of another. In these situations, a Singapore bridge loan might be just what you need to make your real estate dreams a reality. Rikvin Capital offers a variety of bridge loan options that can help high-net-worth investors and corporates bridge the gap between where they are and where they want …
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The Pros and Cons of Bridge Financing: Is it Right for Your Business?
If your business is in need of short-term financing to complete a time-sensitive deal, bridge financing may be an option to consider. Bridge financing is a type of short-term loan that is designed to bridge the gap between the need for immediate funding and the availability of more long-term financing. In this blog post, we’ll explore the pros and cons of bridge financing to help you determine if it’s the right financing option for your business. Pros of Bridge Financing Quick Funding: One of the primary advantages of bridge financing is that it provides quick access to funds. This can be particularly valuable for businesses that need to complete a deal or make a payment on a time-sensitive basis. Flexible …
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Selecting the Right Bridge Funder for Your Company: Tips and Considerations
If your company is asset-rich but cash-strapped and needs to complete a time-sensitive deal, bridge financing can be a useful tool. However, not all bridge funders are created equal, and selecting the right one for your company is essential. In this blog post, we’ll explore some tips and considerations for selecting the right bridge funder for your company. Consideration 1: Experience and Reputation One of the most important considerations when selecting a bridge funder is their experience and reputation. Look for a funder that has a proven track record of success in providing bridge financing to companies in your industry or with similar financing needs. Research the funder’s reputation online and ask for references from other companies they have worked …
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Bridging Loans: An Alternative Financing Solution for Asset-Rich, Cash-Poor Clients Affected by TDSR
The TDSR framework, which was introduced in 2013, places a limit on the amount of debt a borrower can take on based on their income and other financial commitments.
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Foreigner’s Guide to Buying Property in Singapore
In a report published in 2018, the investment bank UBS noted Singapore as a lucrative option for real estate investment. The country’s pro-business and low-tax environment has put it on the radar for property investment among foreigners.
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5 Reasons the TDSR Is Holding Back Singapore Accredited Investors (And What You Can Do About It)
Introduced in 2013, the Total Debt Servicing Ratio (TDSR) was intended to “strengthen credit underwriting practices by financials institutions”, and to “encourage financial prudence among borrowers”. In other words, to stop banks handing out cash like candy, and to make it less likely for borrowers to make risky speculative investments.
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When Should You Get a Short-term Business Loan in Singapore?
Businesses take loans for various reasons and they come from various sources, each with its own stipulations and pros and cons. Short-term business loans, for example, provide business owners with a flow of fast cash in order to handle emergencies, bridge cash-flow gaps, to fund a new project, explore a business opportunity, and so on.
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7 Signs of a Debt Problem and What to do Instead?
Credit and debt are a powerful tool to meet our materialistic goals. They allow us to buy our dream homes, luxury vehicles, exotic vacations and so on. Buying a new kitchen or a living room set is as simple as financing the purchase at 0% interest for 12 to 36 months.
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Things you need to know about Refinancing Mortgage Loans in Singapore
Homeowners use refinancing to pay off their existing mortgage with a new loan, which usually has a lower interest rate. In general, such loan schedules are beneficial, when:
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Short-Term Loans in Singapore and Where You Can Get One
Short-term loans essentially work the same as medium- and long-term loans, with the only difference being a shorter repayment period, which is usually within one year. Though some lenders view a period of less than two years also as short-term.
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Complete Guide: Total Debt Servicing Ratio (TDSR)
Simply put, TDSR – or Total Debt Servicing Ratio – which was introduced by the Monetary Authority of Singapore in June 2013, limits the amount that home owners can borrow in Singapore. It is a way for the Singaporean government to safeguard borrowers from over-borrowing in the city-state, by providing banks (or other lenders) with a robust basis and standardised approach for assessing the debt serviceability of borrowers.
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Good Debt Versus Bad Debt
In our society, there’s a pervasive myth that any debt is always a “bad debt”. Whenever we talk about taking out a loan, or owing someone money, it’s almost always viewed negatively these days. But for small businesses, the truth about debt is far less clearly defined.
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Everything you need to know about Bridge Loans in Singapore
What is a Bridge Loan? In simplest terms, a Bridge Loan is a type of gap financing arrangement wherein the borrower can get access to short-term loans for meeting short-term liquidity requirements. It is often used to meet current obligations, while permanent financing is being secured.
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