StealthĀ ā¢Ā 8m
Time value of money comes into play here. Home loans are longer term 10, 20 year commitments. At the end of the term will you be paying out the money in lumpsum and at what interest rate? You would have collected at a lower interest rate and returning it without accounting for inflation. Would be interesting to see the formula you derive for this payback at end of term.
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