Damn, I just found out that cashing out on Bai Tiao gives me the lowest interest rate in history.


Calculated the annualized interest rate to be only 3.6%, almost the same as a mortgage rate. 🤣
It’s hard to justify not taking advantage of this opportunity.
Plan to use this fund first to pay off the high-interest online merchant loan and Meituan, and the remaining as a reserve for liquidity.
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