Last month, I just finished my paying off the loan for my pre-owned car. Before the cap for borrowing had been set by law, I've already put in 50% down payment for it, so the amount of money that I borrowed is relatively low. Still, it's a great relief to have paid off something and have no debts. Now, if only that car loan that I've just paid off is my housing loan, haha! Since I'm relatively happy and relieved that I've paid off my car loan, I can only imagine what happens if my housing loan is also paid off. I think it'll be like throwing huge burden off my shoulders. I guess that will be another 12 to 13 yrs away, provided I keep up with my yearly partial capital repayment plan. I guess people are either comfortable with debts or they are not. I'm prefer not to ......