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In this episode, we will visit the topic of refinancing again. I think it's all good to maximize the loan facilities you have provided you create more wealth with it.  Also with the low interest rate right now, it's becomes a great opportunity for it to be used as capital within a business context.  However, it's a still a form of loan. In other words, it's future money and we will still need to pay for interest on it. So be mindful on how to use the money after applying for refinancing.