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: O a. To ask for an interest-only period for the first 3 years of the loan term. b. To renegotiate the loan term to 10 years. c. None of the options reduces the total cost of the loan. d. To make month-end repayments starting in one month at an equivalent interest rate. 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