Ditanya oleh Tanpa Nama
Home loan financing is at a low interest rate and the outlook is that the interest rates would increase. Considering a semi-flexi loan and looking for the cheaper option, would you choose a bank which historically offers lower Base Rate but high fixed portion or a bank which historically offers a lower Base Rate but lower fixed portion? At the end of the day, the effective Interest Rate is what's important and it might not make a difference. Just wondering if one option is more beneficial than other in terms of interest savings and steadier monthly installment.
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