As Singapore's interest rates begin their much-anticipated decline in 2025, what does the "SORA Effect" truly mean for your mortgage, property value, and investment strategy? This episode provides a definitive guide to the shifting real estate landscape. We break down the critical tug-of-war between falling borrowing costs that boost buyer demand and powerful government cooling measures that keep the market stable. Learn which property segments—from HDBs and suburban condos to prime real estate—are set to win in this new environment. Whether you're a first-time buyer, a homeowner looking to refinance, or an investor seeking opportunities, this is your essential playbook for making informed decisions in the evolving 2025 market.