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    #11
    Google the majors. I'll pick on the CIBC but the same applies to other banks.

    https://www.cibc.com/ca/loans/index.html

    Yes - short term equals cheap (if you are a good customer or have a variable rate loan on longer term debt). What is the real cost if you want to borrow longer term? What do investors want for return on their money including risk premium in uncertain times?

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