Nice info there Ts, good read although quite tldr

-So for refinance rate usually can get lower interest than current loan, but with extending tenure?
- for pawn, usually the interest rate range is higher or not from normal loan?
- agreed, with fix vs effective interest rate figure, I observed sometimes some banks will put the lower one in the pamphlets (which is the fix rate), whereas the actual calculation might be reducing type, e.g. In PL.