Top-Up Loan with Home Loan Balance Transfer: When It’s Smart and When It’s Risky
The Short Answer A top-up loan is smart when used for home renovation, debt consolidation, or cheaper replacement of a personal loan. It is risky when used for discretionary spending, “just in case” liquidity, or investments. The same product — brilliant or damaging depending on the use case. Top-up loans are one of the most misused products I have […]
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