We debate if current income ceilings make sense anymore and share some controversial thoughts on Singapore Budget 2025.

Joining us is:

- Professor Sumit Agarwal from NUS Business School, author of the popular Kiasunomics series. He brings 25 years of mortgage expertise to the table!

- Kuanyu Tan, [99.co](http://99.co/) CEO sharing his fresh perspective as a first-time homebuyer navigating the system.

- David Baey, 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!

Available on all podcast platforms. Drop your hot takes after listening.

Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us

00:00 - Introduction

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?

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Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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50,000 BTO, transaction slowdown and falling interest rates. What’s the story?

The Financial Coconut Podcast