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.
The data and other information you may provide Happyloan 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. Happyloan does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any money lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Happyloan 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.
Happyloan may or may not be 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.).
Happyloan 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 contact firstname.lastname@example.org
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 Happyloan.
All copyrights are held by Happyloan.sg., any attempts to copy or reproduce any portion of this site (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 happyloan.sg and we hope you find it useful!