Hi,

I have a question.
I'm taking a flexi home loan soon in the amount of 240k for 10 years.

I'm thinking of withdrawing 60k from my epf.

But I don't know how flexi really works.

Would it be better to take a loan of 240k and add 60k later, hoping that that would lower the interest rate and monthly repayment

OR

Take a 180k loan?


Any advice, please?