Money and Me: Should you refinance now?

As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans. Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan? Or are there hidden risks that could derail your savings goals? From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing. Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying? Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties.  See omnystudio.com/listener for privacy information.