Hi Everyone, I'm about to turn 35 yr old and am very excited to get my own place! Right now can't decide which loan is better for a 25 year commitment. HDB loan stays at 2.6% Bank loan's interest rates will be lower than or capped at 2.5% for the first 5 years, save some money on the interest in the beginning but uncertain what's gonna happen after that. Dilemma now