Stanchart's general manager of lending, Mr Dennis Khoo, advises home owners to consider the following when choosing a mortgage package:

1) Is the property for your own stay or for investment?

2) What are your long-term financial goals?

3) Do you prefer security and protection or transparency with some volatility?

4) Do you have any spare cash that you can use to reduce your interest payments and shorten your loan tenure?

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