Hi, all.
So compared to the regular bank, online banks have way better rates for a floating mortgage. Some online banks, like Sony or Resona, are reputable and offer somewhere along 0.35%\~, but recently there’s Paypay Bank (0.25%\~) and au Jibun (0.219%\~).
These rates feel too good to be true. Is there a catch to these rates? Are they more susceptible to increases in the next few years? Or, since refinancing is always an option, it’s good to jump on this deal and just refinance when it increases?
by melukia