this is an extremely boring post. do beware.

couldnt find out a thing about the current prime lending rates of the banks online. lousy. is it just me? (edit: 4.75% after calling hotline...who knows what the rate will be in 3-4years time? haha.)
instead i found out about the OCBC-NTU Debit Card and also the POSB MasterCard Debit.
and the terribly wols me has not changed my grey POSB ATM card to the blue card.
up till now, i also dun have an OCBC ATM card. (but i couldnt find any form to apply for it)
so i ended up printing out 3 application forms which have totally nothing to do with the tuition fee loan.
i think i want the POSB MasterCard Debit... hmm.
see how distracted i get? that's why it difficult for me to do research online. =x

going to a university is not just going to a university... aha.
first, we have to choose a university.
then, a course.
then, to stay on campus or not.
then, a roommate.
then, which brand/model of notebook
then, buy from where.
(all the above has been settled but....)
now... a loan or not.
then, which bank or CPF? (etc etc etc. the choices are ENDLESS)
haha. in the end, my mum said that loaning is better.
because can use the "saved" money to invest in other things.
loaning from CPF is actually "loaning from your own money"...
so even if there is interest, im paying back to my own family so its ok.
just that if i dont loan then the govt will give the interest. lol.

whatever the case, i've decided to take up a loan.
bank is risky because of (yesterday's entry). but if nothing happens, then interest-free!
but CPF can apply online. ;D
being the ever-so-lazy me, hehe.
60% CPF, 40% Bank.
ok. i shall go call the banks first.......

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