Bank gives borrower lower interest rate but it make up from other sources.

Just like chap fan with free tea or water. They need to boil the water and wash the cups and someone has to do the job with a salary.

So, charging 30 - 50 sen extra per head is good enough to cover cost plus profit, if turnover is high.

This post has been edited by mini orchard: Oct 7 2023, 03:01 AM