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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:00-0:03.wav | You need to understand, is there any fees if I pay off early? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:03-0:05.wav | How is the interest calculated? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:10-0:12.wav | Welcome to CNA's Money Talks podcast. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:15-0:17.wav | Now, we tend to have a lot of milestones in life. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:18-0:21.wav | Marriage, a new home, further studies. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:21-0:23.wav | You need funds for these. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:23-0:27.wav | And we may not always have the money for these occasions, right? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:27-0:31.wav | Now, we want to talk about loans because these are the things that will help you get that money. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:31-0:36.wav | And before you take up a loan, there are quite a number of things that we need to consider. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:36-0:41.wav | And it's overwhelming, especially if this is your first one. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:41-0:44.wav | So let's enlist the help of our Money Talks guest today. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:44-0:48.wav | She is Jen Ong, Head of Retail at GXS Bank. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:48-0:49.wav | Jen, good to have you with us. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:51-0:52.wav | We all have to take up loans, right? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:53-0:59.wav | So what are the key items in a person's life cycle when a loan is a must-have and a nice-to-have? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:00-1:04.wav | You started by saying that there are different milestones in someone's life. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:04-1:08.wav | And I think one of the biggest one that we have seen is renovation, right? | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:08-1:12.wav | If you talk about marriage loan, a wedding loan, yes, you see people taking it. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:12-1:17.wav | But most of the use cases that we see are renovation loans because renovation can get big. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:17-1:21.wav | Now, when we think about loans, there's always this taboo about taking loans. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:21-1:24.wav | But taking loans is sometimes you do need it. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:24-1:28.wav | So putting the taboo aside, now you think about loans, you will think about interest rate. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:28-1:31.wav | I think a lot of consumers out there are saying, hmm, which one gives me the best interest rate? | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:31-1:33.wav | And they make a decision based on that. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:35-1:36.wav | But then you need to go into the nitty-gritty. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:37-1:40.wav | You need to understand, is there any fees if I pay off early? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:40-1:42.wav | How is the interest calculated? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:42-1:43.wav | See, that's a big topic, right? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:43-1:44.wav | How is interest calculated? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:45-1:46.wav | Everybody will tell you interest is interest. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:46-1:52.wav | But no, if your interest is monthly rest or daily rest, it becomes a different cost for the consumers. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:52-1:53.wav | So what are the TNCs? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:54-1:59.wav | So if let's say I have more money this time around, I want to pay off a little bit earlier, will I be penalized? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:00-2:03.wav | And if you look at what is happening in the market, there are fees like this. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:03-2:06.wav | So fees that you will be penalized if you pay early. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:07-2:09.wav | Then that goes against the grain of taking a loan and being careful. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:10-2:13.wav | Because if you have money to pay off a loan, you want to pay off a loan without penalty. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:13-2:16.wav | So that's why you have to check the TNCs, know what you're getting into. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:17-2:22.wav | And we will get into the nitty gritty, but just want to tackle the philosophical side of things first. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:23-2:27.wav | How do I know what's a reasonable expense to take up a loan for? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:27-2:30.wav | So you mentioned things like wedding loans, reno loans. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:30-2:31.wav | These are the more common ones. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:31-2:35.wav | When do I know that taking a loan is a good versus a bad idea? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:36-2:38.wav | Think about the opportunity cost then, right? | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:38-2:41.wav | I'll give you an example, broken kitchen sink. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:42-2:47.wav | Now, are you saying that, oh, I don't have the money, I don't have the means, therefore I'm going to live with a broken sink? | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:47-2:52.wav | So you have to take a loan because the other alternative is just not possible. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:52-2:56.wav | So there are areas that you have to think about when is a good time to take a loan. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:56-3:02.wav | Like I said, taking a loan is, on the surface sounds like a taboo, but if you think about it, housing loan. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:03-3:04.wav | Everybody takes a housing loan. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:06-3:07.wav | So housing loan is there. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:07-3:09.wav | Car loan, people take a car loan. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:09-3:12.wav | So these are all utilitarian needs that you have and then you need to take a loan. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:13-3:18.wav | So to me, I've always tell people, if you need to take a loan, be careful what is the cost of servicing the loan. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:18-3:19.wav | That's where you need to remember. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:20-3:22.wav | Taking a loan is something that you have to do. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:23-3:24.wav | Then make sure that you can afford it. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:24-3:28.wav | One of the biggest things to think about when taking a loan is the ability to pay back. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:29-3:32.wav | So I can take a loan and don't pay back and I'll be in trouble. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:33-3:35.wav | Now I can take a loan and stretch it too short. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:35-3:40.wav | I will not have the ability to pay back because my disposable income cannot meet that monthly repayment. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:41-3:43.wav | So you have to calculate your income. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:44-3:49.wav | You need to calculate what is available after you put aside for all the necessities. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:49-3:51.wav | Then check out what is a repayment capability. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:52-3:54.wav | If you want to pay off in 12 months, make sure you can. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:54-4:00.wav | If you can't, you may have to stretch it a little bit more to 18 months, but then it makes your monthly servicing a little bit more sustainable. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:01-4:05.wav | Now, when I'm shopping around for a loan, how do I make comparisons? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:05-4:12.wav | What are the top three things, say, that I need to compare in order to decide what's the best kind of loan that works for me? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:13-4:15.wav | So the first thing you want to look at is the interest rate. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:16-4:23.wav | Now, when we talk about interest rate, you need to know whether it is, like I mentioned, a monthly res or a daily res. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:24-4:26.wav | The way interest is calculated. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:26-4:32.wav | So if, let's say, when we talk about monthly res is, let's say your outstanding amount is $10,000. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:33-4:36.wav | And I made an early repayment of $7,000. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:36-4:39.wav | So my calculation should be based on the difference of $3,000. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:40-4:41.wav | But if you're on a monthly res, it doesn't happen. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:41-4:46.wav | They will just look at what is your end month, what is your previous end month and interest is calculated. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:47-4:49.wav | The other one would be fees. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:49-4:50.wav | Is there a processing fee? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:50-4:54.wav | You will hear very low interest, but then there's processing fee. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:54-4:55.wav | And then you'll hear there's penalty fee. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:56-4:59.wav | So those are the things that you, as a consumer, you need to take a look. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:00-5:04.wav | Is there a loan that has no penalty for paying early? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:04-5:08.wav | Because I've taken up a loan before and I, you know, I had the same mindset as everyone else. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:08-5:14.wav | I want to pay it off early so that it's not a burden on my shoulders, not, you know, hanging around in my head all the time. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:14-5:19.wav | But then there's a penalty that you have to pay because you're paying early. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:19-5:20.wav | I don't understand that. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:20-5:22.wav | Can you explain this to me? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:22-5:25.wav | Money comes at a cost, whether you're a borrower, whether you're a lender. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:26-5:31.wav | Now, I think there is a penalty fee because that money is set aside for consumers to use it. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:31-5:35.wav | So there is a timeline to it that this person, for example, needs it for 12 months. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:35-5:39.wav | So I can't use that money for something else because I'm lending it to this person. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:40-5:42.wav | So in most financial institutions, So it's like a locked in budget. | True | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:42-5:44.wav | So there's this penalty, right? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:44-5:47.wav | So if you return it to me, what am I going to do with it? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:48-5:52.wav | Now, back to your question, is there a loan that has no penalty fee? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:53-5:55.wav | GXS Plexi loan has no penalty fee. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:56-5:57.wav | Now, why is that? | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__5:57-6:03.wav | That is because when we designed the product, we took into account consumer's lifestyle. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__6:04-6:05.wav | I am a consumer myself. | False | Singlish | nan | nan | nan | nan |
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__6:05-6:08.wav | I have gone through different stages where I needed a loan. | False | Singlish | nan | nan | nan | nan |
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