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Hi Derrick, it really depends on your needs and wants. If would like to find out more before I am able to give you any advice. For eg, some people would like to upgrade to EC. But they have repaid their loan, they do not have spare cash/CPF to book a new EC. For some, repaying the loan allows them to get an 80% loan from the bank for them to buy a new condo. Do give me a call @ 81613790  or email me: propnex@me.com to find out more. Rgds Philip Chong, Associate Team Director, Singapore Accredited Mortgage Planner, Propnex Realty Pte Ltd Read More