thats why i cleared off in 3 years.

now i have advance cash can withdraw when need it

bank is angry, ask me to settle close account asap. but why should i

screw banks. i paid for the s&p, and lawyer fee. they better just follow the tnc...

EPF gives 6 percent
House loan charges 4 percent

Free 2 percent every year

But i used my epf to clear my house loan. Hate payment every mth. We don't always make sound decision. We make what feels right for us.

Either or it's better than not having money or owe cc