@rivensoul idk too much about refinancing stuff, potentially you could get a better deal otherwise I'd opt for the 4.1, unless you can and will pay in less than 10yrs, then it doesn't matter too much.
I also think its also important to say what your pay currency is and the country u plan to get in debt. Also keep in mind to buy at a good price and in a location where you can resell fast, that way you minimise the risk of a terrible mistake.
