Fed Rate Cuts, Market Reactions & Cooling Measures To Support First-time Buyers | NOTG S3 Ep 89 Pt 1

Jesley, Alexa, and George from PropertyLimBrothers talk about the FED’s 15% interest rate cut could reshape the real estate market in 2025. With the rate reduction aimed at curbing inflation, the property market is buzzing with new opportunities. If you’re newly married, early in your career, and looking to make the smartest property move—this episode is for you.

They break down the impact of lower interest rates on property demand, discussing whether now is the time to buy or if waiting is a smarter strategy. Is the resale market about to heat up? How will enhanced housing grants and reduced loan-to-value ratios affect HDB buyers? Through the persona of a young couple, Wayne and Joanne—fresh graduates navigating their first big property decision—our team answers key questions like: Should you choose a BTO flat or resale HDB? What about a 2-bedroom condo? And how do you make sure your first property sets you up for future capital gains?

 

With engaging discussions on grants, market trends, and future-proofing your real estate decisions, this episode provides actionable insights tailored for those in the Spring of life. More on this episode!

 

Timestamps:

00:00 Intro
01:25 Article: "Fed slashes interests rates by a half point"
03:35 Client's opinions on interest rate cuts
05:21 Article: "2 ways the latest fed interest rate cut affects Singaporean homeowners"
08:59 Article: "Measures to cool the HDB resale market and provide more support for first-time home buyers"
09:28 Thoughts on latest cooling measure
10:43 Who is affected by the cooling measure?
13:53 Increase in Enhanced CPF Housing Grants (EHG)
14:30 Who is affected by the cooling measure? (Continue)
18:59 Article: "How would reduced loan-to-value (LTV) limit, larger housing grants affect HDB buyers?"
19:58 Article: "Vast majority of HDB buyers not affected by tighter loan-to-value (LTV) limit"
21:09 Wayne and Joanne introduction
22:12 Advice for Wayne and Joanne
42:24 George's life experiences and property buying journey
47:41 Advice: "First-time home buyers should take their time and get a second opinion before buying a home"
48:19 Alexa's life experiences and property buying journey
50:43 3 factors to determine what properties you can buy
51:11 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" (Continue)
52:20 Teaser for Part 2
52:52 Outtakes