Nathan has a 7-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 6.5% p.a. compounded half-yearly. Which of the following may reduce the total cost of the loan? (There may be more than one correct answer. You will lose marks by choosing a wrong answer. The minimum mark for the question is zero.) Select one or more: a. To make month-end repayments starting in one month at an equivalent interest rate. b. To ask for an interest-only period for the first 3 years of the loan term. c. None of the options reduces the total cost of the loan. d. To renegotiate the loan term to 10 years. e. To renegotiate the interest rate to 6.5% p.a. compounded monthly. f. To make repayments at the beginning of each 6 months starting on the borrowing date