--- title: 50,000 BTO, transaction slowdown and falling interest rates. What’s the story? description: With global economic shifts, what’s the best move for homeowners with mortgages? image: https://www.thefinancialcoconut.com/hubfs/SGB%20Ep%205bbb.png --- [Skip to content](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05#main-content) [![Full_COlour](https://www.thefinancialcoconut.com/hs-fs/hubfs/Full_COlour.png?width=456&height=80&name=Full_COlour.png)](https://www.thefinancialcoconut.com/) - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) Open main navigation Close main navigation - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) - [Contact us](https://www.thefinancialcoconut.com/contact-us) [Contact us](https://www.thefinancialcoconut.com/contact-us) Mar 3, 2025, 12:00:00 PM # 50,000 BTO, transaction slowdown and falling interest rates. What’s the story? ![Picture of The Financial Coconut](https://www.thefinancialcoconut.com/hs-fs/hubfs/Square%20(2)-3.png?width=50&name=Square%20(2)-3.png) [The Financial Coconut](https://www.thefinancialcoconut.com/blog/author/the-financial-coconut) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05) [![Follow The Financial Coconut](https://no-cache.hubspot.com/cta/default/46975693/interactive-182431637553.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLL2CjCe42iR2RH2MpVX0Ej%2BKJQ%2F3A0Z7pXnUs35To%2Bo6nbKcpBVq9I98X5NUungVEwfs5YCKuM%2FaP97VxIITkTlihT57%2F%2F4XDW9rT3VR4MatSLDi%2BMU5mbQqihfX3LRRz83ij8K19OiD8UXy8sdct4t0Q%3D%3D&webInteractiveContentId=182431637553&portalId=46975693)   We debate if current income ceilings make sense anymore and share some controversial thoughts on Singapore Budget 2025. **Joining us:** - [Professor Sumit Agarwal](https://discovery.nus.edu.sg/3391-sumit-agarwal) from **NUS Business School**, author of the popular [**Kiasunomics**](https://www.worldscientific.com/worldscibooks/10.1142/13598?srsltid=AfmBOop6PuN6a1TCpRWI7-tYUs-sowg5FqiLkWebuNBf98uSZBhXejua#t=aboutBook)series. He brings 25 years of mortgage expertise to the table! - [Kuanyu Tan](https://sg.linkedin.com/in/kuanyu-tan-a021281b), **99.co** CEO sharing his fresh perspective as a first-time homebuyer navigating the system. - [David Baey](https://mortgagemaster.com.sg/our-team), CEO of **Mortgage Master**, an industry veteran who's been in mortgages for 15 years. **We'll be unpacking:** - Why this year's budget had surprisingly little on housing - The impact of 20,000 new BTOs coming to market - Whether HDBs should really be viewed as lottery tickets - What's really driving property price increases across Singapore It's a no-holds-barred discussion full of laughs, real talk and unique perspectives you won't hear anywhere else. Tune in now to get the inside scoop on Singapore's property market! **What We Discuss:** - 03:14 - Given the budget’s limited focus on housing, are current policies sufficient to ensure affordability? - 08:09 - How will the budget impact first-time buyers, homeowners, and property investors? - 17:22 - How does the BTO system impact life decisions, and how should its profit mechanics be managed for affordability? - 24:56 - How are current property market trends and mortgage rates evolving, given global interest rate influences? - 30:26 - How do you see long-term interest rates evolving, and what impact will they have on homeowners and the housing market? **Episode Resources:** - [Spotify](https://open.spotify.com/episode/0Rtq2E2k6Mbkwhg64WblMo?si=AfQeoDVYQBqFKSI-8Iecrg) - [YouTube](https://youtu.be/zv4b55tY53A) - [Apple podcast](https://podcasts.apple.com/sg/podcast/50-000-bto-transaction-slowdown-and-falling-interest/id1487004505?i=1000697239033) ###### More episodes from TFC Singapore Budget Debate Specials: 1. [TFC Reacts to Singapore Budget 2025, What Was Unsaid?](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-01) 2. [Reskilling isn’t working, PMEs focus on Industrial policies! #budget2025](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-02) 3. [SME Towkays Capitalising On SG Budget 2025!](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-03) 4. [Millennials & The 2050 Retirement Deadline: What You Need To Know Now](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-04) 5. [50,000 BTO, transaction slowdown and falling interest rates. What’s the story?](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-05) 6. [Distributed Workforce, JS-SEZ, Singapore Budget 2025 Fuels Business Growth \[ft ASME\]](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-06) ### Read more about Singapore Budget: - [Singapore Budget Summary](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-all) - [Singapore’s Integrated Shield Plan: Latest Updates in 2025](https://www.thefinancialcoconut.com/blog/update-on-integrated-shield-plan) - [SG Budget 2025 - What’s In It for HDB Owners](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-hdb-owners) - [Singapore IPO Drought: What’s Driving Companies Away from SGX?](https://www.thefinancialcoconut.com/blog/singapore-ipo-drought) - [Here’s How You Can Use Your MediLife and Medisave under the SG Budget 2025 Incentives](https://www.thefinancialcoconut.com/blog/use-your-budget2025-medilife-and-medisave) - [DNA Chip Investment to Boost Healthcare, Jobs & Global Biotech Leadership](https://www.thefinancialcoconut.com/blog/singapore-dna-chip-investment) - [SG Budget 2025: Programmes Addressing Needs Across Life Stages](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-life-stages-needs) - [Building Our Singapore Together: SG60 Highlights in Budget 2025](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-sg60-highlights) - [Budget 2025: Strategies to Boost Singapore's Business Landscape](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-strategies-to-boost-business-landscape) - [Singapore Budget for Working Professionals](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-working-professionals) - [Singapore Budget 2025: Disbursement Timeline for Working Professionals](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-working-professional) - [Singapore Budget 2025: 6 Key Support Measures for Working Adults with Elderly Parents](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-elderly-parents) - [Singapore Budget 2025: Disbursement Timeline for Business Owners and SMEs](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-business-owners) - [SG Budget 2025: How Much Will Parents Save on Their Kids (Monthly) with More Support Given](https://www.thefinancialcoconut.com/blog/sg-budget-2025-how-parents-save-on-their-kids) - [SG Budget 2025: Fresh SGD 10,000 SkillsFuture Credit for SME Workforce Transformation](https://www.thefinancialcoconut.com/blog/sg-budget-2025-for-sme-workforce-transformation) - [SG Budget 2025: Accelerating Clean Living with EV Incentives in Singapore](https://www.thefinancialcoconut.com/blog/sg-budget-2025-ev-incentives) - [Singapore Budget 2025: Key Support Measures for Business Owners and SMEs](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-business-owners-and-smes) - [Singapore Budget 2025: Strategic Levers for Business Growth and Innovation](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-for-business-growth-and-innovation) - [Singapore Budget 2025: Nuclear Energy Ambitions & ASEAN Integration – Global Trends and Local Realities](https://www.thefinancialcoconut.com/blog/singapore-budget-2025-nuclear-energy-ambitions)   Share us your thoughts on this episode and let us know what do you want to hear next. You can now be our community contributor and make a [pitch ](https://thefinancialcoconut.com/contact/)to have your favourite personality be on our show. Join our [community group](https://linkin.bio/thefinancialcoconut/?fbclid=PAZXh0bgNhZW0CMTEAAaY2-JSYItZawSUnNP4YhAicLp0H2wXwx8EBmQgbzOJrjA6YRiPWXtFDSH4_aem_t1DMRY5jrSAapreaSX9ntw) and drop us your insights on this topic.   ### Stay ahead in your financial journey! 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