“Asking others to decide if you are suitable for fixed or floating rate housing loan is useless. Remember, the loan belongs to you, so you decide if you want fixed or floating...”
Zeng Han Jun
“It would be in your best interest to refinance your home loan right now, making good use of the low interest rates. You would not want to be making high installment payments during an economic slowdown. It is just not sensible to do so.”
“The money you pay to the bank as interest has zero percent chance of it returning back to you. Save on that and reinvest that on any other things. Now that is lean financial management.”
“Analyze your property investment properly before you invest. Remember that it is not just about the valuation that determines the price. The credit facility that you use to finance your investment plays a large part as well...”
“Every Cent Matters.”
“You are never paying the price at which you purchase your house, unless you paid for it in full cash without any leverage...”
“One of the best way to raise cash is to mortgage your property. It is one of the cheapest and fastest way to secure your credit.”
