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There's probably articles on seedly for this. i went with bank loan because i wanted lower interest rates and i believed that bank loan interest rates will not be higher than hdb loan interest rates anytime in the future.
I viewed over 20 properties before deciding. it's important not to rush them, and manage your emotions well so you dont end up overcommitting, especially with the 5k OTP at stake.βββ
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It depends, if bank loan rates are lower than 2.6% why not.