I got ASB loan, its over 5 years now, i reach my target.. well more like overwhelmingly over my target,

now im in dilemma, should i close the loan now, or make a new
my plan was to ditch it all together, but after how good the loan perform,
im thinking of doing it again for personal benefits,

so should i close the ASB loan and make new or Continue pay the current loan,

and how much do i get if i close the loan,
anyone got a method to calculate, just roughly

go to bank today.
already ask at bank, they said i will got 1/3 of the payment i made if i close the loan,
tempting id say,

the bad news is that the BLR just got up, and it actually cost more to make new loan,
and its only beneficial if i tied it to 20 years instead of 25,

so i just walk out of the bank empty handed today,
dont know if i should close it or not