Fixed rates for home loans are down and likely to fall further, experts say

Also: Drier, warmer weather and possibly haze - what exactly is El Nino? ~/AAQRxQA~/RgRmWQ5iP0RXaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~ May 31, 2023 [CNA Explains: Drier, warmer weather and possibly haze – what exactly is El Nino?](~/AAQRxQA~/RgRmWQ5iP0SxaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZWwtbmluby0yMDIzLWRyaWVyLXdhcm1lci13ZWF0aGVyLWhhemUtYWZmZWN0LXNpbmdhcG9yZS1uZWEtbWV0LXNlcnZpY2UtMzUyNTM2MT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~) [Singapore saw one of its hottest years on record and significantly less rain during the last strong El Nino event in 2015 and 2016. What can we expect should El Nino conditions develop in the coming months? CNA's Kurt Ganapathy takes a closer look.](~/AAQRxQA~/RgRmWQ5iP0SxaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZWwtbmluby0yMDIzLWRyaWVyLXdhcm1lci13ZWF0aGVyLWhhemUtYWZmZWN0LXNpbmdhcG9yZS1uZWEtbWV0LXNlcnZpY2UtMzUyNTM2MT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~) ~/AAQRxQA~/RgRmWQ5iP0SxaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZWwtbmluby0yMDIzLWRyaWVyLXdhcm1lci13ZWF0aGVyLWhhemUtYWZmZWN0LXNpbmdhcG9yZS1uZWEtbWV0LXNlcnZpY2UtMzUyNTM2MT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~   ~/AAQRxQA~/RgRmWQ5iP0SgaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZml4ZWQtcmF0ZS1tb3J0Z2FnZS1ob21lLWxvYW5zLWJhbmtzLWludGVyZXN0LXBhY2thZ2VzLTM1MTczMTE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~ ~/AAQRxQA~/RgRmWQ5iP0SgaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZml4ZWQtcmF0ZS1tb3J0Z2FnZS1ob21lLWxvYW5zLWJhbmtzLWludGVyZXN0LXBhY2thZ2VzLTM1MTczMTE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~[Fixed rates for home loans are down and likely to fall further, experts say](~/AAQRxQA~/RgRmWQ5iP0SgaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvZml4ZWQtcmF0ZS1tb3J0Z2FnZS1ob21lLWxvYW5zLWJhbmtzLWludGVyZXN0LXBhY2thZ2VzLTM1MTczMTE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~)   ~/AAQRxQA~/RgRmWQ5iP0SnaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvbmVhcmx5LTkwLWJ0by1mbGF0cy1tYXktZXhlcmNpc2UtYmVkb2stc2VyYW5nb29uLWxlc3MtNC15ZWFycy0zNTI0OTcxP2NpZD1icmF6ZS1jbmFfQ05BLU1vcm5pbmctQnJpZWZfbmV3c2xldHRlcl8zMTA1MjAyM19jbmFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj ~/AAQRxQA~/RgRmWQ5iP0SnaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvbmVhcmx5LTkwLWJ0by1mbGF0cy1tYXktZXhlcmNpc2UtYmVkb2stc2VyYW5nb29uLWxlc3MtNC15ZWFycy0zNTI0OTcxP2NpZD1icmF6ZS1jbmFfQ05BLU1vcm5pbmctQnJpZWZfbmV3c2xldHRlcl8zMTA1MjAyM19jbmFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj[HDB launches 5,500 BTO flats for sale, most will be ready in under 4 years](~/AAQRxQA~/RgRmWQ5iP0SnaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9zaW5nYXBvcmUvbmVhcmx5LTkwLWJ0by1mbGF0cy1tYXktZXhlcmNpc2UtYmVkb2stc2VyYW5nb29uLWxlc3MtNC15ZWFycy0zNTI0OTcxP2NpZD1icmF6ZS1jbmFfQ05BLU1vcm5pbmctQnJpZWZfbmV3c2xldHRlcl8zMTA1MjAyM19jbmFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj)   ~/AAQRxQA~/RgRmWQ5iP0SmaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9jb21tZW50YXJ5L2NoYXRncHQtYWktY2FuLWhlbHAtdXMtYmUtYmV0dGVyLXdyaXRlcnMtZWR1Y2F0aW9uLXN0dWRlbnRzLTM1MTEyNDE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~ ~/AAQRxQA~/RgRmWQ5iP0SmaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9jb21tZW50YXJ5L2NoYXRncHQtYWktY2FuLWhlbHAtdXMtYmUtYmV0dGVyLXdyaXRlcnMtZWR1Y2F0aW9uLXN0dWRlbnRzLTM1MTEyNDE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~[Commentary: Think ChatGPT can write as well as a human? My students disagree](~/AAQRxQA~/RgRmWQ5iP0SmaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9jb21tZW50YXJ5L2NoYXRncHQtYWktY2FuLWhlbHAtdXMtYmUtYmV0dGVyLXdyaXRlcnMtZWR1Y2F0aW9uLXN0dWRlbnRzLTM1MTEyNDE_Y2lkPWJyYXplLWNuYV9DTkEtTW9ybmluZy1CcmllZl9uZXdzbGV0dGVyXzMxMDUyMDIzX2NuYVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~)   ~/AAQRxQA~/RgRmWQ5iP0SQaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b3JsZC91a3JhaW5lLW1vc2Nvdy1kcm9uZXMtc3RyaWtlLWJvdGgtY2FwaXRhbHMtMzUyNjczNj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~ ~/AAQRxQA~/RgRmWQ5iP0SQaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b3JsZC91a3JhaW5lLW1vc2Nvdy1kcm9uZXMtc3RyaWtlLWJvdGgtY2FwaXRhbHMtMzUyNjczNj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~[Ukraine war comes to Moscow as drones strike both capitals](~/AAQRxQA~/RgRmWQ5iP0SQaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b3JsZC91a3JhaW5lLW1vc2Nvdy1kcm9uZXMtc3RyaWtlLWJvdGgtY2FwaXRhbHMtMzUyNjczNj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~) ADVERTISEMENT [Ad](~/AAQRxQA~/RgRmWQ5iP0S9aHR0cHM6Ly9pbmJveC1hZHRhcmdldGluZy5tZWRpYWNvcnAuc2cvYWRzL2NsaWNrP2NpZD0wZWZlZTcwNy1jNjAwLTRlMGYtYTU4Zi05ODRlNzkxMzE4MzklMjQmdGFnX2lkPXNDbGRhTmpYd0lzJmVtYWlsPXRyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbSZzc29faWQ9MDU0NThiZDEtYWM4Zi00OTcwLWE2Y2MtNWJmYjFjOWMxMzU2VwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~) ~/AAQRxQA~/RgRmWQ5iP0SiaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9hc2lhL21hbGF5c2lhLWpoby1sb3ctaGlkaW5nLW1hY2FvLTFtZGItYW50aS1jb3JydXB0aW9uLWNvbW1pc3Npb24tMzUyNTAwMT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~ ~/AAQRxQA~/RgRmWQ5iP0SiaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9hc2lhL21hbGF5c2lhLWpoby1sb3ctaGlkaW5nLW1hY2FvLTFtZGItYW50aS1jb3JydXB0aW9uLWNvbW1pc3Npb24tMzUyNTAwMT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~[Malaysia anti-graft agency says 1MDB fugitive Jho Low believed to be in Macao](~/AAQRxQA~/RgRmWQ5iP0SiaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS9hc2lhL21hbGF5c2lhLWpoby1sb3ctaGlkaW5nLW1hY2FvLTFtZGItYW50aS1jb3JydXB0aW9uLWNvbW1pc3Npb24tMzUyNTAwMT9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~)   ~/AAQRxQA~/RgRmWQ5iP0S0aHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b21lbi9jdXJpb3VzLXRob3VnaHRzLWdpdmluZy1seWRpYS1sb2stZnJlZS1yZWFkaW5nLXBob25pY3MtY2xhc3Nlcy1sb3ctaW5jb21lLWtpZHMtMzQ3NTE4Nj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~ ~/AAQRxQA~/RgRmWQ5iP0S0aHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b21lbi9jdXJpb3VzLXRob3VnaHRzLWdpdmluZy1seWRpYS1sb2stZnJlZS1yZWFkaW5nLXBob25pY3MtY2xhc3Nlcy1sb3ctaW5jb21lLWtpZHMtMzQ3NTE4Nj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~[She offers free classes to help low income kids learn how to read: ‘They deserve the same opportunities’](~/AAQRxQA~/RgRmWQ5iP0S0aHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93b21lbi9jdXJpb3VzLXRob3VnaHRzLWdpdmluZy1seWRpYS1sb2stZnJlZS1yZWFkaW5nLXBob25pY3MtY2xhc3Nlcy1sb3ctaW5jb21lLWtpZHMtMzQ3NTE4Nj9jaWQ9YnJhemUtY25hX0NOQS1Nb3JuaW5nLUJyaWVmX25ld3NsZXR0ZXJfMzEwNTIwMjNfY25hVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~)   [WATCH: Talking Point - What women should know before freezing their eggs](~/AAQRxQA~/RgRmWQ5iP0SVaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93YXRjaC90YWxraW5nLXBvaW50LTIwMjMtMjAyNC9zaG91bGQtaS1mcmVlemUtbXktZWdncy0zNTE0NzMxP2NpZD1icmF6ZS1jbmFfQ05BLU1vcm5pbmctQnJpZWZfbmV3c2xldHRlcl8zMTA1MjAyM19jbmFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj) ~/AAQRxQA~/RgRmWQ5iP0SVaHR0cHM6Ly93d3cuY2hhbm5lbG5ld3Nhc2lhLmNvbS93YXRjaC90YWxraW5nLXBvaW50LTIwMjMtMjAyNC9zaG91bGQtaS1mcmVlemUtbXktZWdncy0zNTE0NzMxP2NpZD1icmF6ZS1jbmFfQ05BLU1vcm5pbmctQnJpZWZfbmV3c2xldHRlcl8zMTA1MjAyM19jbmFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj Recommended For You ~/AAQRxQA~/RgRmWQ5iP0TvaHR0cHM6Ly9ib29zdC1yZWNvbW1lbmQubWVkaWFjb3JwLnNnL2J6Mj93PUpVSkRCNXpQblEmdXJsPWh0dHBzJTNBJTJGJTJGd3d3LmNoYW5uZWxuZXdzYXNpYS5jb20lMkZzcG9ydCUyRmxpdmVycG9vbC1hcHBvaW50LXNjaG1hZHRrZS1zcG9ydGluZy1kaXJlY3Rvci1vdmVyc2VlLXJlYnVpbGQtMzUyNTM0MSZxPTA1NDU4YmQxLWFjOGYtNDk3MC1hNmNjLTViZmIxYzljMTM1NiU3QzktOS05JTdDMSU3Q0pVSkRCNXpQblFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj [Liverpool appoint Schmadtke as sporting director to oversee rebuild](~/AAQRxQA~/RgRmWQ5iP0TvaHR0cHM6Ly9ib29zdC1yZWNvbW1lbmQubWVkaWFjb3JwLnNnL2J6Mj93PUpVSkRCNXpQblEmdXJsPWh0dHBzJTNBJTJGJTJGd3d3LmNoYW5uZWxuZXdzYXNpYS5jb20lMkZzcG9ydCUyRmxpdmVycG9vbC1hcHBvaW50LXNjaG1hZHRrZS1zcG9ydGluZy1kaXJlY3Rvci1vdmVyc2VlLXJlYnVpbGQtMzUyNTM0MSZxPTA1NDU4YmQxLWFjOGYtNDk3MC1hNmNjLTViZmIxYzljMTM1NiU3QzktOS05JTdDMSU3Q0pVSkRCNXpQblFXA3NwY0IKZHRiiXZk0gmBulIbdHJpc3RyYW1iYWxkd2luOTBAZ21haWwuY29tWAQAAACj)   ~/AAQRxQA~/RgRmWQ5iP0TwaHR0cHM6Ly9ib29zdC1yZWNvbW1lbmQubWVkaWFjb3JwLnNnL2J6Mj93PUpVSkRCNXpQblEmdXJsPWh0dHBzJTNBJTJGJTJGd3d3LmNoYW5uZWxuZXdzYXNpYS5jb20lMkZzcG9ydCUyRm1hZ3VpcmUtaGFzLWRlY2lzaW9uLW1ha2UtYWJvdXQtbWFuLXVuaXRlZC1mdXR1cmUtc2F5cy10ZW4taGFnLTM1MjQ1OTYmcT0wNTQ1OGJkMS1hYzhmLTQ5NzAtYTZjYy01YmZiMWM5YzEzNTYlN0M5LTktOSU3QzIlN0NKVUpEQjV6UG5RVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~ [Maguire has decision to make about Man United future, says Ten Hag](~/AAQRxQA~/RgRmWQ5iP0TwaHR0cHM6Ly9ib29zdC1yZWNvbW1lbmQubWVkaWFjb3JwLnNnL2J6Mj93PUpVSkRCNXpQblEmdXJsPWh0dHBzJTNBJTJGJTJGd3d3LmNoYW5uZWxuZXdzYXNpYS5jb20lMkZzcG9ydCUyRm1hZ3VpcmUtaGFzLWRlY2lzaW9uLW1ha2UtYWJvdXQtbWFuLXVuaXRlZC1mdXR1cmUtc2F5cy10ZW4taGFnLTM1MjQ1OTYmcT0wNTQ1OGJkMS1hYzhmLTQ5NzAtYTZjYy01YmZiMWM5YzEzNTYlN0M5LTktOSU3QzIlN0NKVUpEQjV6UG5RVwNzcGNCCmR0Yol2ZNIJgbpSG3RyaXN0cmFtYmFsZHdpbjkwQGdtYWlsLmNvbVgEAAAAow~~)   ~/AAQRxQA~/RgRmWQ5iP0T6aHR0cHM6Ly9ib29zdC1yZWNvbW1lbmQubWVkaWFjb3JwLnNnL2J6Mj93PUpVSkRCNXpQblEmdXJsPWh0dHBzJTNBJTJGJTJGd3d3LmNoYW5uZWxuZXdzYXNpYS5jb20lMkZzcG9ydCUyRndyZXN0bGluZy1pbmRpYW4tYXRobGV0ZXMtcG9zdHBvbmUtbWVkYWwtaW1tZXJzaW9uLXByb3Rlc3QtYWdhaW5zdC1jaGllZi0zNTI1MzIxJnE9MDU0NThiZDEtYWM4Zi00OTcwLWE2Y2MtNWJmYjFjOWMxMzU2JTdDOS05LTklN0MzJTdDSlVKREI1elBuUVcDc3BjQgpkdGKJdmTSCYG6Uht0cmlzdHJhbWJhbGR3aW45MEBnbWFpbC5jb21YBAAAAKM~ [Wrestling-Indian athletes postpone medal-immersion protest against 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