Short answer：Rates affect financing without guaranteeing a corresponding property-price movement. Use dated evidence and actual contracts rather than treating an old end-of-hiking-cycle forecast as current fact.
Separate rate measures
Policy rates, HIBOR, bank prime and an individual mortgage rate differ and may reset at different times. Check dated observations and written terms.
Other variables remain
Income, supply, rent, confidence and entry price affect demand. Test unchanged or higher rates before relying on expected cuts. This guide makes no prediction about the next policy meeting.
Before deciding
- Keep observation dates
- Calculate payments from your contract
- Assess risks beyond rates
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.