. With regards to a large commercial property investment you made many years ago when interest rates were considerably higher and you have since enjoyed substantial appreciation gains, some of the reasons to consider refinancing your amortizing loan and withdrawing a small portion of your equity include: a. Lowering the interest rate on your loan b. Taking some equity and diversifying into other property (ies) c. Realizing a portion of your appreciation gains without having to pay capital gains tax d. All of the above e. A and B only . From the previous question, if you chose to not refinance and keep the same financing in place, which of the following statements would be TRUE: a. After five years, your total mortgage payments for the year would be lower b. After five years, your total mortgage payments for the year would be the same c. After five years, the amount of interest you were paying each year would be lower d. A and C e. B and C