November 2025 - On Deck Refinance

Nov232025 by RaoulNo Comments

Your Complete Guide to Navigating Tuition Fee Loans in Singapore

Finance

A tuition fee loan represents more than just a financial instrument; it embodies the promise of educational access and the faith we place in future generations. For thousands of Singaporean students each year, this government-backed scheme transforms the daunting prospect of university fees into a manageable pathway towards academic achievement. Understanding how this system works is not merely about grasping numbers and percentages; it is about recognising the architecture of opportunity that shapes our society. Understanding the Fundamentals of Education Financing In Singapore's educational landscape, the government tuition fee loan scheme stands as a cornerstone of financial support. Administered through major banks on behalf of the Ministry of Education, it ensures that financial...

How Rising Rates Are Restructuring the Capital Stack

Featured

Rising interest rates don’t just nudge yields—they redraw the entire blueprint of how real estate deals get financed, governed, and de-risked. From senior debt terms to promote structures, the capital stack is being rebuilt to accommodate higher carry costs, tighter underwriting, and shifting risk appetites. Here’s how the pieces are moving—and what it means for sponsors and investors. 1) Senior Debt: Lower Leverage, Tighter Covenants, Pricier Carry Banks and life companies are protecting downside with lower loan-to-value ratios (think 50–60% where 65–70% was common), higher debt service coverage ratios, and enhanced reserves. Floating-rate debt now demands robust interest rate caps or swaps, with stricter requirements around DSCR triggers and cash sweeps. Lenders are also extending ...

How to Uncover Smarter Trades with a Hunter’s Mindset

Business

Trading is often portrayed as fast-paced, flashy, and fueled by adrenaline. But anyone who’s been in the markets long enough knows the truth: successful trading is less about speed and more about strategy. The real pros don’t gamble — they hunt. They observe quietly, track patiently, and strike decisively. That’s what it means to Hunt For Trades — to trade with intention rather than impulse. Think Like a Hunter, Not a Gambler A gambler bets on chance; a hunter relies on insight. The gambler watches the wheel spin; the hunter studies the wind, the terrain, and the signs before taking aim. Trading with a hunter’s mindset means waiting for the perfect confluence of factors: price structure, volume confirmation, sentiment alignment, and timing. It’s not about guessing — it’s about recognizin...