A conversation on housing loan and the CPF: Hi AK, First of all, Happy New Year to you and your family. I’m a 36 yr old engineer who has been following your ASSI Blog for few years already and like the rest, have benefited from your valuable advise through your posts. I would like to seek your advise or opinion on an issue that have been bugging me lately. Both me and my wife are working (married with a child, X yrs old) and our combined income is $14k per month. We do not own car and our only major loan is our home loan. We live in a condo that has an outstanding loan amount of $600k with remaining loan tenure of 28 years. In 3 months time, the mortgage loan lock-in period is coming to an end and the current interest rate is 2.5% (Interest rate may be revised upwards after the lock-in ......