b. after full disbursement

Really depends on what property is this, if own stay, it wont matter much.. just look at credit facilities they offer or the interest rates. But if investment, then 5 years from full disbursement is a slight disadvantage. Increases your cost of sales if you sell the prop within the lock in period.

This post has been edited by Anubis77: Dec 23 2015, 07:11 AM

Balance sum.