Maybe it's good to refinance home-loans now. Interest-rate appears to stop dropping

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Maybe it's good to refinance home-loans now. Interest-rate appears to stop dropping

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08-01-2025, 07:50 AM

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Maybe it's good to refinance home-loans now. Interest-rate appears to stop dropping

An honorable member of the Coffee Shop Has Just Posted the Following:

Interest rates dropped in the 2024 after the steep-climb 2-3 years ago.

Despite another 25bp cut by Fed in December, US treasury-rates resume uptrend and all clocked above 4%pa by Jan 2025.

1. Together with a stronger USD in 2025, it appears that our local home-loan rates will stop dropping. Consumers may consider locking in the current rates.

2. Banks cannot lend beyond their capital base or deposits. Due to the higher cost of funds and dilution of shareholdings, they are also...

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