i will take semi flexi ;

can pay extra to reduce principal amount (last time need to go counter)

This post has been edited by fantasy1989: Feb 17 2022, 10:24 AM

if you really have financial constraints ..make sure you buy full term of MRTA ( alot ppl pinjam 35 years ; but MRTA just buy 10 or 15)

incase shit happen ; it wont be burden to your family

This post has been edited by fantasy1989: Feb 17 2022, 10:26 AM

Yup agree.

u meant MRTA? i remember can

but the pricing might more mahal because they will take your age as part of calculation

ask your banker

This post has been edited by fantasy1989: Feb 17 2022, 10:33 AM

If there is plan to early settlement then yes ..can take short 1 + semi flexi loan

instead of paying extra then ask for insurance premium refund

but TS is even considering term loan ..so better take as long as better

This post has been edited by fantasy1989: Feb 17 2022, 11:02 AM

Not sure. mine own experience is OCBC and PBB also need