### Comment:
Well, if you invest or use it as part financing for a home its neutral for your net position or even positive in the long run. As its cheaper than any other money you can find. 
  
 I would say that in almost every case the alternative cost would benefit taking the full amount.

### REPLY:
That’s insane. I don’t know how that’s possible, or how anybody could *not* max out a 0.13% loan. Even “risk free” 10 year US treasuries yield 3.20 as of this week. Your annual cash inflows are 24x cost. Could be free income for a lifetime if you have the self control to not touch it.  
  
  
 Edit: or for the loan term, at least

### END.