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0:00 - Intro
0:31 - Refinancing vs repricing
1:56 - How Cashew can help
3:11 - When should you refinance?
4:30 - Key factors before refinancing
7:30 - Fixed or floating rate?
10:16 - HDB or bank loan?
12:41 - Should you wait for rates to go down further?
12:25 - Important tips pak vs ban when refinancing
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