Is Bank or Pag-IBIG Refinancing Good or Bad?

Ngayong 2021, pababaan na ng interest rates ang banko at Pag-ibig, if you wanna take advantage of this, pwede kang mag REFINANCE ng iyong existing loan.
Sa kabila ng masa save mo sa refinancing, is it really good for you in the long run? Or may kailangan ka bang malaman na hindi usually nababanggit ng banks or Pag-IBIG? For this session let's find out if REFINANCING will really save you money!