{"ok":true,"data":[{"slug":"daily-brief-2026-10-24","url":"https://news.binga.mv/daily-brief-2026-10-24","title":"The daily brief, 24 October 2026","summary":"1 new piece from the desk in the last 24 hours: SJ Dhihereya as an investment: what the numbers say.","kind":"newsletter","series":"newsletter","published_at":"2026-10-24T02:30:05.172Z","event_date":"2026-10-24"},{"slug":"sj-dhihereya-residence-as-an-investment","url":"https://news.binga.mv/sj-dhihereya-residence-as-an-investment","title":"SJ Dhihereya as an investment: what the numbers say","summary":"Set SJ Dhihereya's list prices against what three-bedroom homes in Hulhumalé Phase 1 are asking in rent today, and a gross yield of roughly 8 to 10 per cent appears on paper. Here is how that figure is built, and the five things that bring it down.","kind":"market","series":"projects","published_at":"2026-10-24T02:00:00.000Z","event_date":"2026-10-16"},{"slug":"daily-brief-2026-10-22","url":"https://news.binga.mv/daily-brief-2026-10-22","title":"The daily brief, 22 October 2026","summary":"1 new piece from the desk in the last 24 hours: Buying at SJ Dhihereya: the terms, the discounts and what to check before you pay.","kind":"newsletter","series":"newsletter","published_at":"2026-10-22T02:30:05.172Z","event_date":"2026-10-22"},{"slug":"sj-dhihereya-residence-buying-terms-and-what-to-check","url":"https://news.binga.mv/sj-dhihereya-residence-buying-terms-and-what-to-check","title":"Buying at SJ Dhihereya: the terms, the discounts and what to check before you pay","summary":"SJ Group's booking terms for SJ Dhihereya Residence in plain words: who is served first, what the 2 and 5 per cent discounts are worth, what a cancellation costs, and ten questions to settle before paying for a home due in 2028.","kind":"guide","series":"guides","published_at":"2026-10-22T02:00:00.000Z","event_date":"2026-10-16"},{"slug":"maldives-property-week-2026-10-21","url":"https://news.binga.mv/maldives-property-week-2026-10-21","title":"Maldives Property Week, 21 October 2026","summary":"The week in Maldives real estate, 64 new pieces: SJ Group brings SJ Dhihereya Residence to market: 90 lagoon-side apartments in Hulhumalé; Living at SJ Dhihereya: a day on the lagoon side of Hulhumalé; Bayfancy Residence, the building: 18 floors on 350 piles, with a whole floor for residents.","kind":"newsletter","series":"newsletter","published_at":"2026-10-21T03:00:14.747Z","event_date":"2026-10-21"},{"slug":"daily-brief-2026-10-20","url":"https://news.binga.mv/daily-brief-2026-10-20","title":"The daily brief, 20 October 2026","summary":"1 new piece from the desk in the last 24 hours: Living at SJ Dhihereya: a day on the lagoon side of Hulhumalé.","kind":"newsletter","series":"newsletter","published_at":"2026-10-20T02:30:05.172Z","event_date":"2026-10-20"},{"slug":"sj-dhihereya-residence-living-on-the-lagoon-side","url":"https://news.binga.mv/sj-dhihereya-residence-living-on-the-lagoon-side","title":"Living at SJ Dhihereya: a day on the lagoon side of Hulhumalé","summary":"What daily life looks like from SJ Dhihereya Residence: west-facing homes over the lagoon, the ferry and the airport close by, and Hulhumalé Phase 1's parks, schools, shops and hospital within easy reach.","kind":"story","series":"projects","published_at":"2026-10-20T02:00:00.000Z","event_date":"2026-10-16"},{"slug":"daily-brief-2026-10-19","url":"https://news.binga.mv/daily-brief-2026-10-19","title":"The daily brief, 19 October 2026","summary":"61 new pieces from the desk in the last 24 hours: Bayfancy Residence, the building: 18 floors on 350 piles, with a whole floor for residents; Bayfancy Residence, units and prices: five layouts, and what has changed since launch; Bayfancy Residence, the address: Lot 20092 in Hulhumalé Phase 2.","kind":"newsletter","series":"newsletter","published_at":"2026-10-19T02:30:05.172Z","event_date":"2026-10-19"},{"slug":"pension-buying-a-home-over-fifty","url":"https://news.binga.mv/pension-buying-a-home-over-fifty","title":"I'm over 50. Can I still use my pension to buy a home?","summary":"Yes, until you turn 60, but only half your balance, and the loan must be paid off before you turn 65. That shortens the term and raises the payment: on MVR 2.4 million at 11%, about MVR 33,100 a month over ten years against MVR 23,500 over 25.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-housing-benefit-pledge-not-withdraw","url":"https://news.binga.mv/pension-housing-benefit-pledge-not-withdraw","title":"Pledge, not withdraw: how the MRPS housing benefit actually works","summary":"The Pension Office does not pay out pension savings for housing. It lets members pledge them as collateral, in place of a cash down payment, and the money keeps earning. Why the scheme is built that way, and what it means for your retirement.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-housing-five-lenders-application-steps","url":"https://news.binga.mv/pension-housing-five-lenders-application-steps","title":"The five lenders that accept your pension, and the five steps to use it","summary":"Only five institutions can take your pension savings as a home loan deposit: Bank of Maldives, Maldives Islamic Bank, HDFC, Mauritius Commercial Bank and Commercial Bank of Maldives. How the request moves between you, the lender and the Pension Office, step by step.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-housing-loan-default-what-happens","url":"https://news.binga.mv/pension-housing-loan-default-what-happens","title":"If you cannot repay: what happens to your home and your pension","summary":"Under the Pension Office's housing scheme, a lender must sell the home first. Your pledged pension is used only if the sale does not clear the loan. The order of events, a worked example, and what to do before it comes to that.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-housing-self-employed-dollar-earners-expats","url":"https://news.binga.mv/pension-housing-self-employed-dollar-earners-expats","title":"Self-employed, paid in dollars or not Maldivian: can you use the pension route?","summary":"The pension housing scheme is open to Maldivian MRPS members under 60. Self-employed people can join the MRPS voluntarily and build a balance; dollar earners contribute in rufiyaa; foreign residents can join the MRPS but cannot use it for a home. Who can, and how.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-housing-which-homes-qualify","url":"https://news.binga.mv/pension-housing-which-homes-qualify","title":"Which homes can you buy with your pension? Off-plan flats included","summary":"The Pension Office's housing scheme covers homes bought to live in, sold on the open market, including flats handed over when construction finishes. What that means for buyers in Greater Malé's new developments, and what it leaves out.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-how-much-can-i-use-for-a-home","url":"https://news.binga.mv/pension-how-much-can-i-use-for-a-home","title":"How much of my pension can I put towards a flat?","summary":"It depends on your age and your balance: all of it up to 35, 80% from 36 to 49, half from 50 to 60. Worked examples at each age, and how that compares with the 10% or 20% deposit lenders ask for on a MVR 3 million flat.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-office-housing-faq-answered","url":"https://news.binga.mv/pension-office-housing-faq-answered","title":"Using your pension to buy a home: the Pension Office FAQ, answered in full","summary":"The Pension Office answers six questions about its housing scheme. Here they are with the answers, plus what each means for someone buying a flat from a developer, and two corrections where the FAQ's wording says the opposite of what the scheme does.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-office-housing-leaflet-explained","url":"https://news.binga.mv/pension-office-housing-leaflet-explained","title":"The Pension Office's housing leaflet, explained in full","summary":"The Maldives Pension Administration Office's Dhivehi leaflet on using pension savings to buy a home sets out the whole scheme on four pages: who qualifies, how much you can pledge at each age, which homes count, the five lenders, the three steps and what happens to your money. Here it is in English, section by section.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-or-cash-for-your-deposit","url":"https://news.binga.mv/pension-or-cash-for-your-deposit","title":"Pension or cash for your deposit: which should you use?","summary":"Pledging pension keeps your cash free and may get you a lower rate; paying cash keeps your retirement savings out of the loan. Five questions to decide, and how to combine the two.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-pledge-does-it-cost-anything","url":"https://news.binga.mv/pension-pledge-does-it-cost-anything","title":"Does pledging my pension cost me anything?","summary":"The Pension Office charges no fee for the housing pledge that we could find, and the money keeps earning. Some lenders even price pension-backed loans lower: HDFC charges 10.42% against 11%, about MVR 1,000 a month less on MVR 2.4 million. The real costs are risk and lost flexibility.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"},{"slug":"pension-pledged-savings-keep-growing","url":"https://news.binga.mv/pension-pledged-savings-keep-growing","title":"Your pledged pension keeps growing: returns during the loan","summary":"Pension savings pledged for a home are not frozen in place: they stay invested, or the lender pays returns on them, and come back to your account when the loan is repaid. How the returns work, what the MRPS invests in, and what it costs.","kind":"guide","series":"rules","published_at":"2026-10-18T15:57:47.286Z","event_date":"2026-10-18"}]}