Hi, I would like to enquiry about number of years on HDB Loan. Let's say the loan amount is 18k. I've calculated if we take about 18 years loan it will left our CPF OA account like about a few dollars inside. The good thing i see with this is it significantly reduce interest but it's risky in terms if one of us got retrenched or pay cut. I was reading in another thread if we take 30 years hdb loan, we can choose to shorten the number of years. Do you advise us to take the maximum loan or the shortest possible loan? This is a new flat by the way so i guess VL is not applicable? Any inputs would be appreciated. Thanks!