Which of the following is (are) the reasons for some people to choose interest only 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. The interest only loan is less expensive over the whole loan term. b. Interest only loan requires lower periodic repayment over the whole term of the loan. c. The interest only loan provides more tax deductions for investment properties. d. The interest only loan requires lower periodic repayment during the interest-only term. Banks usually apply lower interest rate for interest only loans