Just need opinion from sifu here.

As we know EPF money is our pension fund & recent years ppl r already talking our current EPF money will not be enuf for our retirement. Our EPF money will greatly diminish if we take it out to payoff our house loan.

Well some ppl say, to use EPF money to payoff loan will help save us a lot of bank loan interest.

Should we saving the few thousand ringgit of bank loan interest or to have enuf EPF money for retirement?