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@neophyte365 i did some calculations. that 209k is equivalent to18.3%p.a effective interest rate. assuming OP is still liquid and didn't touch his EF. he can actually reduce that 18.3% by investing his 1.244M. so it depends on how liquid and how his portfolio ratios will be.

@chansondautomne if 50% dp, then balance ilagay mo sa bank at dun mo kukunin 51k monthly mo, kailangan 17% p.a interest nun para mag break even ka sa 209k discount. kahit digital banks nasa 4-6% lang may capping pa. unless makahanap ka ng investment vehicle na 17% growth at pwede mag withdraw...

@foofy if you think about it that 209k is the interest. with 6% p.a, non-taxable, and OP has an extra of 51k every month to pay for the installments his total interest would be 55.8k for a 1.244M "loan" for 2 years.