Mathew has a 10-year personal loan with the bank. He currently makes equal half-yearly repayments at the end of each 6 months at an interest rate of 8% p.a. compounded half-yearly. Which of the following may increase the total cost of the loan? (There may be more than one correct answer.)

Select one or more:

a. To renegotiate the interest rate to 8% p.a. effective.

b. None of the options increases the total cost of the loan.

c. To ask for an interest-only period for the first 3 years of the loan.

d. To make year-end repayments starting in one years time at an equivalent interest rate.

e. To repay the loan faster and pay off the loan in 7 years.

f. To make repayments at the beginning of each 6 months starting on the borrowing date.