
Refinance
Home Loan
Here’s an example of how it works.
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Original home value: RM400,000
Present valuation of your home value: RM500,000
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Amount you still owe in your original home loan: RM300,000
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You carry out refinancing for 90% of the present value of your home: RM450,000
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Amount of CASH you free up for personal use is RM450,000-RM300,000 = RM150,000.
There are many other reasons why people want to refinance their home loan. How do you go about it? Let us know your problem and we’ll guide you with the best option.
Refinance to Cash Out
Refinancing is when you already owned a home loan in Malaysia and you would like to change to another bank loan without moving home. For this process you need to access to your latest market value for your property. If the market value is higher than your existing bank loan, you can cash out some money by doing refinancing cash out. Talk to us today and we will guide you on the process.

Change Ownership
Changing the ownership can be done as below and is it still under mortgage loan.1. From parents to children (vice versa)2. Between spouses3. Between siblings4. Between business partners

Divorce
When you have a relationship breakdown and require financial planning on your home loan which is still under mortgage, we are here to help you.

Change Bank
Are you currently unhappy with your bank loan interest or their services? You can opt to change to another bank loan, just tell us your frustrations and we will do our best to assist you.
