When to initiate Re-financing?

[Dennis Ng]

Dear nethdale,

thanks for your question.

Well, if you look through your existing contract with your bank, you might realise that you need to give your exisiting bank a 3-months' notice repay the loan in full.

Thus, you should actually start "shopping" now. There're 11 financial institutions that provide Housing Loans in Singapore. Each financial institution might have 4 to 10 different Housing Loan packages. Thus, if you really want to do your own shopping, you might spend alot of your time and yet still confused about the various packages available.

If you approach http://www.HousingLoanSG.com instead, you'll save all this time of doing the shopping yourself.

What's more is that Housing Loans is our main business so you'll get not only an unbiased analysis of ALL the Housing Loan packages, but you'll get our value-added comments from our experience in Housing Loans.

We cannot guarantee that you'll get offered a lower interest rate than if you approach a bank. However, as this is our business, sometimes we can negotiate for better rates since we give more business volume than an individual borrower to a financial institution.

What we can guarantee are the following:
1. Unbiased Advice
We provide you an unbiased analysis of ALL packages provided by ALL Banks and Finance companies in Singapore.

2. Convenience
We provide door-to-door personalised service to help you apply a loan anywhere at a time convenient to you! You can apply a loan in the comfort of your house or office, without need to go to the bank at all.

3. Savings in Legal fees
We work with a selected panel of lawyers closely (who are approved by All banks and CPF Board). We typically can help consumers get a better deal than if they?re allocated a lawyer by the bank.

4. Saving in Time
Imagine if you need to call 10 financial institutions to check out the loan packages that each offer, that might take you a few hours and having to repeat ?your story? over and over again. We provide a one-stop service to help you save invaluable time for you!

5. FREE Service with no extra charges
You might wonder how much fees you need to pay us for the extra value-add we provide. You might be glad that we decide not to charge any fee at all as we?re paid by banks separately.

If you really think about it, you have everything to gain and nothing to lose in engaging our services. You can call us at 6339 9255 or 6339 9846 or email us at info@HousingLoanSG.com for a FREE consultation and analysis.