Fixed or flexible? The trade-off in three minutes
A fixed term pays more because you give up access. When that trade is worth taking.
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Three things: where the gap between fixed and flexible rates comes from, what you actually forfeit by exiting early, and how to split a balance across both.
The short version: the fixed-term premium buys certainty in both directions — you lock the term, we lock the rate. If there is a real chance you will need that money in the meantime, the premium is not worth taking.
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