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Keeping low-rate mortgage debt might enable you to earn more on your cash than if you paid that debt down quickly, but it's harder to do the same with car loan debt.

She found her home through Roam, a start-up that went live in September that lists homes with assumable low-rate loans, and assists buyers through the process.

Earlier this year, however, she stumbled upon what felt like a portal to the not-so-distant past: listings of thousands of homes that come with a low-rate mortgage, which can be transferred from the existing homeowner to a new home buyer, known as an assumable mortgage.

He adds that Hong Kong should make use of its advantages - a simple, low-rate tax system, and the fact that it's the only Chinese city with no foreign exchange controls.

In this experiment, they observed that the cells partially retained their capacities under low-rate conditions, but failed quickly when put under rapid current drain conditions again.