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What you need to know before taking a home loan

Taking out a home loan can be a nerve wracking experience, and a big deal for everyone. It is often said that home purchase involves the biggest capital outlay in a person’s life and especially in Singapore where home assets do not seem to stop appreciating, this is the hard truth that everyone has to come to terms with. However, taking on a debt in the form of a home loan, when researched carefully, can be your friend.

Before settling down in your dream home, here are the questions you should know the answer to before getting your home loan.

#1 Deciding between Fixed Rate vs. Floating Rate Home Loans

Unless you are paying in full for the property, you will be affected by changes to the interest rate. Home loans are typically offered in 2 categories:

a. Fixed Rate

Fixed rate packages maintain the same interest rate during a lock-in period of 1 to 5 years, regardless of market conditions, after which the interest rate converts into a floating rate. Should customers decide to refinance during the lock-in period, banks may impose penalties. Nonetheless, fixed-rate mortgage packages are favoured by many home buyers in view of their expectations of further interest-rate hikes and protects you from any upward interest rate movement.

b. Floating Rate

Floating rate packages have interest rates that fluctuate daily, usually pegged to the SIBOR and SOR indices. They can come with or without lock-in periods. Home buyers who opt for floating rates usually take advantage of the low interest rate environment and monthly instalment amounts. This is particularly usefil in a flat-to-declining interest rate environment.

To this end, home buyers should be mindful to choose home loan packages based on their needs instead of trying to take advantage of short-term interest rate movements.

#2 Affordability

Your current financial commitments affect your affordability. Here are some useful pointers to consider:

a. TDSR

Under the latest Government regulations in Singapore, your Total Debt Servicing Ratio (TDSR) cannot exceed 60% of your income. If you are already taking on a car loan, personal loans or credit card debts, it may affect Approval in Principle (AIP) from your bank of choice. The trick to increase your loan application chance is to maintain zero to low debt ratio.

#3 Fees and Charges

When it comes to home loans, you may be inclined to settled on the cheapest home loan rate, but do remember to compare the fees and charges applicable to the loan. Fees and charges are levied under these circumstances:

– Processing the loan application

– Withdrawl after accepting loan offer

– Late payment

– Amending the loan tenor

– Restructuring the loan

– Processing the loan application

Those fees could add up to a few thousand dollars, so it’s worth knowing how much your banks in Singapore might charge you. The amount you can borrow will typically be the same across banks. So, you are not obligated to go with a bank just because it has pre-approved your loan. It is smart to seek pre-approval from multiple banks so you have options before making a conscious decision on a loan to take.

Regardless of whether you are planning to buy a hdb or private property, a great home loan deal always come with making smart decisions by comparing home loans and mortgage interest rates online. A good place to start is Moneysmart which serves as an effective tool for online loan comparison which you can surf at the comfort of your home or anywhere you prefer, so long as you have your smart device with you. Moneysmart has come as a good choice for loan comparison. The browsing experience has been intuitive, with the website creating user experience at the forefront of their thoughts. I find the site easy to navigate, stored with current and useful information and it is definitely a breeze when comparing the latest home loan deals. You would know which site to bookmark and make a visit the next time you need information on home loan packages to assist you.

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7 Cool Things to Do with Your Girlfriend in Singapore

Someone says that Singapore is a technology miracle, another one claims that it is the front window of Asia because it is an energetic and inspiring place, which has managed to become one of the best. Singapore is many-faced and magnificent like Ukrainian girls. You can choose many different epithets for the island-city-state of Singapore, but all of them will surely be vivid and not ordinary. Singapore remains one of the greenest cities in the world, having so many astounding futuristic buildings and attracting a big number of people from all over the world. So, what can you do with your girlfriend in Singapore?

1. Look to the Future

The future of science fiction movies will come in Singapore very soon when the first spaceplanes start landing in the airport Changi, and robots say, “Next in line, please!” You should surely look at the steel baobabs of the Gardens by the Bay. In the evening, the lights are turned on, and the magic garden begins to shimmer with colored lights, just like in the Avatar. At an altitude of 22 meters, supertrees are connected by the sky bridge, from which the domes of futuristic greenhouses are visible.

Image Credit: Great Eastern

2. Relax on the Beach

When the brain melts because of the heat, you can escape from the stone jungle to the beaches of the tropical island of Sentosa. You can visit each of them during the day because a free tram runs along the coast. If both of you prefer a relaxing holiday in the hammocks under the palm trees, go to Tanjong beach, and if you want to suf and play volleyball, go to the beach of Silos. You can also visit the mangrove thickets of the island of Pulau Ubin. In this Singaporean village, you can ride a bicycle through rubber groves, eat grilled shrimps and look out for rare birds from wooden bridges.

Image Credit: tanjongbeachclub.com

3. Update your Wardrobe

In Singapore, you can find ten boutiques per square meter because local people like brand-name things. Good dressers with packages of Chanel and Louis VUitton go from one showcase to another. If you do not have enough money to buy a Prada handbag, go to Bugis Street, and you will buy the same but from Chinese masters. tripadvisor.jp

Image Credit: tripadvisor.jp

4. Shake the Paw of the Lemur

The Singapore Zoo is one fo the most advanced in the world. More than 300 species of animals walk freely through the rainforest. Here, you can have breakfast with organutans, feed the giraffe or dwarf hippo during lunch, and watch the dinner of predators in the evening. Both of you will be excited like kids.

Image Credit: visitsingapore.com

5. Take a Photo on the Edge of the Abyss

Only a lazy person did not see the pictures of the hotel Marina Bay Sands on the Internet. Three 200-meter towers, crowned with a gondola, perfectly fit into the landscape of Singapore’s space harbor. Many people go here to take a photo in the famous swimming pool on the roof, here the water seems to pour over the sides to the abyss. What a stunning view of the bay you will be able to enjoy there!

Image Credit: dailymail.co.uk

6. Look at Singapore from a Height

To see whole banana-lemon Singapore at your feet, don’t miss a chance to ride the Ferris Wheel. From the height of a 55-storey building, you will be able to distinguish even the Indonesian islands on the horizon. In the evening, the city lights up with millions of light bulbs, and you feel like superheros on top of the world. If you have a special evening, you can book a separate booth with champagne and dinner for two.

7. Try “Star” Noodles on the Street

Chinese rice with slices of duck is friend in soy sauce on every corner of Chinatown, but you need to stand a kilometer line to try noodles with chicken from the street chef Chan Hong Menga, his street tent has been awarded a Michelin star. If you are fond of spicy chili, go to the Indian city block.

Image Credit: tripadvisor.com

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Sleepwiz Eye Mask: Sleep Better Effortlessly

One of the most useful essentials that one should have would be the eye masks. It is known that poor sleep can interfere with every aspects of our life but with SleepWiz™ eye masks, you can sleep as soundly on a brightly lit environment as you would at home in your comfy bedroom.

SleepWiz™ eye masks are specially designed to create the ideal environment for us to get some good rest so that we can wake up relaxed, refreshed and rejuvenated. Making a name for itself, SleepWiz™ was also featured in BuzzFeed and The Huffington Post as a recommended hack to fall asleep quickly.

For the Side Sleepers

Everyone has a propensity toward one position or another, but side sleepers are the most common of the variations. It is not common for side sleepers to find themselves tossing and turning more than back sleepers which could lead to poor sleep.

SleepWiz™ has introduced an eye masks for the side sleepers which include:

Luxiere™ 100% Silk Eye Mask for Side Sleepers

Image Credit: SleepWiz

For the Back Sleepers

SleepWiz™ has introduced an eye masks for the back sleepers which include:

ErgoDream™ 3D Ergonomic Eye Mask for Back Sleepers

Image Credit: SleepWiz

Why Sleepwiz?

We had the opportunity to try and after using for 2 nights and we felt it was comfortable for the following reasons:

 A restful night to feel refreshed the next day – The luxiere boosts melatonin levels naturally without the use of pills or chemicals while the DreamWeave technology makes the eyemask impenetrable to light, allowing for longer deep sleep phases, while retaining the natural fibre’s luxurious softness

            Comfort and practicality – by using thin dual straps that ensures the mask stays in place which is useful if you’re a side-sleeper or tend to move a lot when you sleep. The extra wide design also makes it adaptable to faces of different sizes.

                    100% mulberry silk – to ensure your skin stays hydrated and reduce fine lines 

SleepWiz™ eye masks are light, flexible and practical. It certainly doesn’t take up much space. Hey, did we mention this makes a good travel essential items during your road trips? Free shipping within Singapore is provided. You should get one too!

SleepWiz

Websitehttps://eyemask.sg/

Facebookhttps://www.facebook.com/OfficialSleepWiz/

Instagram: hello@eyemask.sg

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The Best Places to Introduce Your Kids to Thai Food in Singapore

There’s something quite charming about eating Thai cuisine. In Thailand, dining is a family thing. All dishes are shared at the table at once, allowing brothers and sisters, mothers and fathers to enjoy the fragrant flavours of Thai cooking together. On the whole, Thai food relies heavily on its combination of spicy and sour flavours. Of course, there are many other ingredients that add further subtle dimensions and aromas, but Thai food is certainly considered some of the spiciest in south-east Asia. If you’re thinking of helping your children become acquainted with delicious Thai food, you’ll be pleased to know there are many fantastic Thai restaurants throughout the Lion City.

Thai J泰J花園泰式創意料理065” (CC BY-SA 2.0) by 羽諾

One major bonus for Thai over other Asian cuisines such as Chinese is that it’s easier for youngsters to eat. Traditionally, Chinese food is eaten with chopsticks, which can be somewhat off-putting for little ones that can’t get to grips – quite literally – with their new found eating devices. Meanwhile, Thai food is more often eaten with forks and spoons, with chopsticks only used to eat noodle-based soups and broths. Without further ado, let’s take a look at some of the best family-friendly Thai restaurants in Singapore.

Buddha Tooth Relic Temple and Museum” (CC BY 2.0) by kewl

Jai Thai Restaurant, Purvis Street

If you’re looking for a wide range of dining options, look no further than Jai Thai’s extensive menu offering over 100 Thai dishes. They also offer individual set menus for families that aren’t overly fussed about sharing different plates. The restaurant’s specialities include Pandan Chicken and a mesmerising Thai Green Curry that goes down perectly with a side of sticky pineapple rice.

Joe’s Kitchen, Bukit Merah Lane

As casual, laid-back Thai restaurants go, Joe’s Kitchen must be up there with the best. Established for more than a decade, Joe’s Kitchen has become a go-to eatery for families looking for authentic Thai snacks at reasonable rates. Joe and his team can also tailor the spiciness in each dish depending on the tastes of you and your bambinos. Their stuffed chicken wings are the ultimate fun Thai-style finger food!

Aroy Dee Thai Kitchen, Middle Road

Specialising in north-eastern Thai cuisine, Aroy Dee Thai Kitchen offers a great-value hawker centre-style dining experience. Lots of Singaporean and Thai families like to convene here, with their generous portions, as well as extensive starter and main options. Better still, you’re more than likely to get change from $10 per head here.

E-Sarn, Ridgewood Close

Nestled away neatly in a quiet cul-de-sac near North Buona Vista Road is the casual family-run E-Sarn Thai restaurant. At the front of house, mother Neng and son Guy are extremely accommodating when it comes to recommending dishes and adhering to requests on levels of spice. If your family are fish fiends, they’ll love tucking into the steamed sea bass, topped with toasted coconuts, lime and fried baby shrimp.

Of course, an alternative option would be let your kids experience Thai food and flavours in the comfort of you family home first. Deliveroo deliver restaurant-ready Thai food to homes across the city state. This allows your children to sample the dishes they do and don’t like without the trauma of going out to eat in a busy restaurant. Once you’re aware of their likes and dislikes, it will make ordering out at your favourite Thai joint that much easier – and cost-effective too!

As Singapore is in the same peninsular as tropical Thailand it’s unsurprising that the Lion City specialises in Thai flavours. Who knows, if your children fall in love with Thai cuisine just as much as you do, it could transform extra-special occasions in the future.

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Explore Singapore: Experience Nature and Heritage in Pulau Ubin

Taking a break from the hustle and bustle of the concrete jungle? Try exploring Pulau Ubin, an island northeast of mainland Singapore. A one-way boat fare cost $3 per person and it takes about 15 minutes to reach the beautiful island.

Visitors are greeted by the tranquil island offering untouched nature. Take a pause and keep a lookout for wildlife in the mangroves.

A must-do activity in Pulau Ubin is to rent a bicycle and get off the beaten track to enjoy the views of traditional kampong villages, nature trails that weave through old rubber plantations and discover the island’s mangroves. It is not uncommon to encounter abundant wildlife like jellyfish, kingfishers and sometimes, even pink dolphins!

House 363B has a rich historic background and it was owned by Mr Chew Teck Seng, a local provision shop owner from 1970 to 2005.

The house has since been conserved and refurbished as a model Chinese kampong house. The original architecture was retained and minimal changes were made to conserve its rustic charm. The house now serves as an immersive “museum” that takes guests back in time to life on Pulau Ubin during the 1970s. Many items in the house, including furniture, appliances, kitchen utensils and photograph were donated by past and residents, as well as friends of Pulau Ubin.

Those who are interested to take a look at this house will be pleased to know that it will be open on the 2nd and 4th weekend of the month and public holidays, from 10.00am – 2.00pm. Teck Seng’s Place is currently one of the highlights in NParks’ Kampung Tour, held on every third Saturday of the month.

We took a walk along the Sensory Trail. If the scorching heat is not a show-stopper, you should take a walk through the backyard planting of the Pulau Ubin village home where nature-lovers will love to see tropical fruits trees of different varieties. It takes about 1 hour to complete the trail.

Related image
Image Credit – Habitatnews – NUS

Some kampong houses may look dated but they still retain their rustic charm. It was learnt that the National Parks Board (NParks) will be restoring kampong houses on Pulau Ubin to their former glory.

The first of its kind in Singapore, Ubin Fruit Orchard is a one-hectare site that showcases fruits such as rambutan, lychee, logan and others.

Further into the island, visitors get to see kingfishers, magpies and native birds inhabiting along the mangroves of the Chek Jawa Wetlands. Travelers to Singapore, mark Pulau Ubin down during your visit!

From National Parks Board.

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Katong Point: Choice Cuts Goods + Coffee Lifestyle Concept Cafe

Slowly but surely, Katong Point is going to be developed into a favourite hunt for the cafe-hoppers. Located at Level 1, Choice Cuts Goods + Coffee is a lifestyle concept shop/cafe/bar that offers a relaxed DIY atmosphere to enjoy specialty coffee, craft beers, or to browse through the selection of vinyl records.

When coffee is your way of life, the specialty coffee that comes in a hand-stamped takeaway cup will make you love it from the bottom of your heart. Beneath the aroma features a blend of the finest beans from Brazil, Honduras, and Ethiopia that gatecrash their way into the menu. The cafe also offers teas from T2, organic hot chocolate, organic sodas from Melbourne Soda Co., spiced chai and matcha lattes.

Fashion isn’t just about big names. Check out the various apparel designs that suits your personal style.

Choice Cuts touts itself as a place for coffee, beers & music lovers who have a penchant for anything funk and soul inspired. Brought to you by the DJs from Matteblacc / Blaccsmith.

Like-minded folks with penchant for vintage records will surely love this.

Choice Cuts will also be serving up new breakfast items:
– peanut butter & jam, banana toast
– smashed avocado marmite cheese melt
– granola bowls: vanilla bean greek yoghurt, with choice of matcha w/ banana & blueberries or peanut butter chocolate w/ mango & blueberries
Our healthy range of artisanal baked goods from Muncha Bunch will also available:
– Chia Seed & Goji Berry Energy Bar
– Carrot Cake Turnover
– Banana Bread with Walnut & Chia Seed
– Flourless Almond Beetroot Brownie

Carrot cake muffin

Banana Walnut Chia Seed Muffins.

Chia Seed & Goji Berry Energy Bar.

Need that specialty coffee to perk up your weekend, Choice Cuts is now open at 9am.

Address: 451 Joo Chiat Road, #01-07, Katong Point, Singapore 427664

Facebook: https://www.facebook.com/choicecutsgoods/

Instagram: www.instagram.com/choicecutsgoods

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Affordable Western Food You Must Try at Katong Point: STREETS OF LONDON

The Katong restaurant and cafe scene never stops to attract hungry food lovers. While there are many eateries to choose from, we would like to recommend a wallet-friendly cafe (important consideration) offering no-frills, authentic dining experience right at Katong Point.

Streets of London cafe offers a scrumptious menu that includes fresh and delicious dishes and hey, talk about Instagram worthy food!

A peek at the menu which will definitely pique your interest. The spread includes the ever popular Fish and Chips, Pasta (with seafood option), Baked Fish, Babyback Ribs, London pride IPA Chicken and many more. What a way to experience communal dining in Katong without spending a bomb.

Driven by his passion for food and cooking, Chef Thomas takes pride in delivering freshly-prepared comfort meals for customers to indulge everyday.

We thought Streets of London has a very beautiful and large interior that bodes well for a good family (kids’ friendly) and friends’ gathering, not to mention a suitable go-to-spot for the Millennial to hang out. The decor looks cosy, calm and hip to customers.

Cute miniatures all the way from London just made it hard for anyone to resist whipping their phone out to take a quick picture. For the Instagrammers, Streets of London cafe certainly meets the criteria to be one of the most instagrammed place in Katong (Joo Chiat Road).

A healthier choice – Baked Fish ($12.80).

Mid-joint wings  marinated with a touch of Green Devil IPA, an American IPA style beer (7 pc for $8).

Did we forget to mention you can enjoy fabulous food and drinks at Streets of London with no GST and no service charge? Yup, you don’t need a silver fork to enjoy great food – all at the Streets of London cafe!

STREETS OF LONDON

Address: 451 Joo Chiat Road Katong Point Mall 01-01 Singapore

Contact Info: 9754 7716 | streetsoflondon.co@gmail.com

Facebook: https://www.facebook.com/Streets-of-London-305385316190806/

Instagram: https://www.instagram.com/weibinthomas/

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