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4y
Agree that it will need to be cut. I do think the more committed you are to longer lock down savings gives you a higher APR instead.
- Say, if you are into savings that can be withdrawn anytime - 10%
- Locked savings within 3 months - 12%
- Within 6 months - 15%
- Within 1 year - 18%
- Within 1.5 years - 20%
Do you think that's reasonable?
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