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When should you refinance your home loan?

PUBLISHED ON: December 18, 2012 | Duration: 5 min, 59 sec

   
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It makes sense to shift your loan to another bank if you are servicing your current loan on a floating rate basis and the new lender is giving you at least 0.50 per cent lower interest rate. Just make sure that your credit history is in order and that the existing lender is not willing to reduce the rate for you to equal it with what the new lender is offering.
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