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[Music] in 2019 investor and consultant josiah tan bought a condominium unit in coven for over a million singh dollars he signed up for a 30-year bank loan with a two-year fixed interest rate of 2.1 percent he paid 3 000 a month for the mortgage and rented out the property the loan was refinanced last year when interest rates were lower and this year he sold off the property to buy an hdb flat where he and his wife will live i went from a bank to ocbc and the rate went from 2.12 to 1.2 percent so it was great but to me it was a huge huge savings right there already and then when i recently just bought another property and that was before the recent rate hike so it was 1.35 thereabout those taking on mortgages now will no longer find such low rates if you have a million dollar property and interest rates increase from you know 1.65 to the current 2.25 percent fixed interest rate youre probably going to have to look at an additional monthly income of about 300 some homeowners will feel