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Well yeah, 3.9% interest on any finance is excellent. My parents would probably charge me more than that haha :P
The thing you need to consider though is the balloon at the end. Do you want to ahve a big sum you owe all of a sudden, or would you rather take a bit longer to pay it, and not have a lump sum?
If you can get 8% over seven years and no balloon, that would be pretty good.
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