In this episode, we discussed about the choice of loan facility based on the mode of income. Are you under employment of self-employed? Getting fixed rate will enjoy low interest rates but it's quite locked in for the period, but this suits people with standard 9-5 jobs where they can leverage on the security of their income. But if you're into business or agency work, that uncertain income then may become a concern and flexi and semi flexi loans can be useful as a loan facility, providing that support for their business.  If you guys have any question, just email me at [email protected] =)