Mortgage Rates Research
To help you decide between fixed or floating rates; we look at where interest rates are likely to go, and make a recommendation on which rates will help you pay less for your mortgage.
Choosing between fixed or floating rates
Fixed rates are determined by the banks, depending on how they would like to price the mortgage, based on the forecasted interest rate environment
Floating rates are very highly dependent on SORA rates, which influences the interest rate environments in Singapore.
To determine where SORA rates are headed, we'll look at the Singapore Monetary Policy document to understand how domestic interest rates are derrived.
Singapore Monetary Policy
MAS focuses on an exchange rate based monetary policy in Singapore which says domestic interest rates are largely determined foreign interest rates and have been typically below US interest rates. We have noticed a higher than 90% correlation between SORA and the Effective Fed Fund Rates. Which is why we take cue of where interest rates are headed, by following the statements of the federal reserve.
US Monetary Policy and Projections
Summary of Economic Projections Dec 2023
In conjunction with the Federal Open Market Committee (FOMC) meeting held on December 2023, meeting participants submitted their projections of the most likely outcomes for 2024, 2025 and beyond!
Inflation and Interest Rates
Your mortgage is a long term collateralized debt, you will be able to borrow at one of the cheapest interest rates in the market.
The MAS Survey of Professional Forecasters has a fairly accurate projections for Inflation rates in the upcoming years.
mortgage rates - inflation rates = real interest rates
Why Us?
With the experience of more than 200 million dollars worth of home loans across a wide network of banks in Singapore,
We have developed a framework to consistently help our clients make the most out of their mortgages.
With an unrivalled data-driven interest rate research, are the high caliber mortgage consultants you are looking for.
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