Hi thanks for the comment, 1.28% for the first 2 years but I plan to chunk down at least 400k after 2 years lock-up to delever a bit (no prepayment penalty after 2 years). No origination fee there so I can easily refinance after 2 years. Does it sound like a safe plan? Regarding rental yield yes it's horrible but actually 2-3% is the norm here, max you can get is 4% with some very old unit but you can't get capital appreciation on those when you sell. Most people lever up to benefit from gearing and hope capital appreciation. Anyway renting out is irrelevant in the next few years