at times like this ensuring liquidity is very important.

Car and house loan is already set and it's there for you to pay sooner or later. You dont get much compared to paying early and having flexibility in terms of liquidity.

Of course some housing loan allow you to take back out money for user in case of emergency. But it's a tedious process.

To be safe, keep it for rainy day.. and it's indeed been raining everyday now...