http://forum.lowyat.net/ Sat, 06 Jun 2026 01:13:23 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/0 Finance, Business and Investment House Thu, 01 Jan 1970 07:30:00 +0800 http://forum.lowyat.net/topic/5348843 hi<br /><br />i would like to ask regarding semi flexi loan. sifus opinion here are all welcomed<br /><br />from calculator, if i intend to get housing loan of eg 300k<br /><br />over 20 years, interest based on 4%:<br />- 100+k<br />- monthly payment 1800<br /><br />over 30 years, interest based on 4%:<br />- 200+k<br />- monthly payment 1400<br /><br /><br />if i decided on the 30 years tenure and pay 1400 monthly but<br />however, after about 5 years, if i decided to pay 1800 as per the 20 years tenure (but still remained on the 30 years contract), does it mean in the end, the interest i eventually need to pay would be roughly as the 20 years tenure or will it be much higher since i have chosen 30 year tenure to begin with?<br /><br />if i am able to commit to 1800 later, does it mean i have to do refinancing to change 30 years tenure to 20 years tenure?<br /><br />or should i opt for 20 years tenure upfront to enjoy a lower cumulative total interest in the end?<br /><br /> milipem Property Talk Thu, 19 Jan 2023 09:43:04 +0800