Assume current br rate is 4%.
Is the br rate fixed, tru out the loan tenure?

Also what other hidden cost need to pay for asb loan? Insurance,stamp duty,legal or cost need to consider?
How much it cost n is it factored in the monthly repayment?

Which method provid higher roi%?
1. Pay monthly the whole loan tenure?
2. Pay for few years until dividen can cover monthly payment?
3.any othet method?

Thanks