How many years do couples tend to choose for home loan? Also supposing we choose 25 yrs, but along the way we are able to pay it earlier, will there be extra charges?

For my HDB, I took a 19 years loan from HDB. But redeem it at 13th year. But the interest paid in total comes close to 50% of the loan amount.

for my condo, I took a tenure of 25 years on a progressive payment. But redeem the loan at the 7th year. I saved about $200k interest by redeeming it early. My last mortgage rate was at 5.25%.

No early extra charges if pay earlier. I choose 3 years fix then after 3 years, just pay off all if enough money

HDB loan or Bank loan? I chose 15 years for my first one and 25 years for the second one.

Ask for the different options to see the figures, pick the one that suits the best for you. should be able to repay in lump sum along the way, penalty differs.