I wrote a post previously that I was still with HDB loan because of the peace of mind and lesser cash upfront needed when I purchased my house. Now with the all-time low interest rates, I have decided to cave and change to a bank loan. Now is the time when we have 20 years lowest interest rate, I would be a fool not to consider it. Currently, I could get 1.45 to 1.5% for my home loan from various banks. The best part of all, is that DBS has a 5 years fixed interest rate. That's incredible! Considering I only have 21 years left, 5 years is like 25% of the loan and I happily signed on with it. A lot of you may have the same considerations as me - What if interest rates go up and higher than HDB interest rate of 2.6%? The last time it went anywhere near in the recent...