By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof,
through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods,
facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail,
these alternative methods).
If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.
HappyHomeLoan operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the
part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use
by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance
of such changes.
The data and other information you may provide HappyHomeLoan is not, and is not treated as, an application for a loan or a request to
be pre-approved, pre-qualified or any similar concept. HappyHomeLoan does not guarantee acceptance into any particular loan program
or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders.
Likewise, HappyHomeLoan does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or
lowest rates available in the market. A Lender's offer may be subject to market conditions, approval and qualification. The rates and
fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property
considerations including but not limited to location, equity and value and income/asset consideration including but not limited to
loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or
promise for a loan commitment or interest rate lock-in agreement.
HappyHomeLoan is paid a fee by Lenders for the goods, facilities and services provided. Regardless of which lender you obtain your
loan from, you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan
processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).
HappyHomeLoan does not charge you a fee for its service in matching you with Lenders unless otherwise stated.
All effort is taken to derive the most accurate interest and payment calculations, however, the information is provided for
estimation purposes only and should not be considered as 100% accurate. For more accurate details regarding the schemes, please
speak to a HappyHomeLoan Mortgage Specialist.
We try to include the most comprehensive online database of mortgage and home loan packages, however, not all of the lenders packages
may be included in HappyHomeLoan.
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(including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation will
be prosecuted to the fullest extent of the law.
Now that we’re done with the formalities, thank you for using HappyHomeLoan.com.sg and we hope you find it useful!