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Refinancing & Debt Consolidation

Everything related to switching banks, lowering interest rates, cashing out equity, and consolidating credit card/personal debt.

Remortgaging Your Fully Paid House in Malaysia: What You Need to Know

Remortgaging your fully paid house, also known as refinancing, is a way to unlock the equity in your property and access additional funds.  Owning a fully paid house in Malaysia can be a valuable asset but can also limit your financial flexibility. Remortgaging your fully paid house can also help you get better interest [...]

By |2026-03-13T12:29:51+08:00April 16th, 2023|Refinancing & Debt Consolidation|0 Comments
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Patutkah Buat Remortgage Rumah Sekarang?

Remortgage rumah merupakan proses mengambil pinjaman rumah baru bagi rumah yang sudah dilunaskan sepenuhnya. Ia merupakan pilihan popular bagi pemilik rumah yang ingin mengakses dana tambahan atau mendapatkan kadar faedah yang lebih baik pada pinjaman rumah mereka. Walau bagaimanapun, bagi golongan pesara atau individu yang lebih tua di Malaysia, mendapatkan pinjaman rumah boleh menjadi [...]

By |2026-03-13T12:29:51+08:00April 16th, 2023|Refinancing & Debt Consolidation|0 Comments
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Should I remortgage now?

Remortgage is the process of taking out a new home loan for a fully paid-up house. It's a popular option for homeowners who want to access additional funds or get better interest rates on their home loans. However, for retirees or older individuals in Malaysia, getting a home loan can be challenging due to [...]

By |2026-03-13T12:29:51+08:00April 16th, 2023|Refinancing & Debt Consolidation|0 Comments
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Refinancing Home Loans in Malaysia: How to Save Money and Unlock Your Property’s Potential

Refinancing your home loan can be a smart financial move for many homeowners in Malaysia. By securing a lower interest rate, you can save money on your monthly repayments and potentially access additional funds through the equity in your property.  This article will explore the various aspects of refinancing, including fees and charges, loan [...]

By |2026-03-13T12:29:51+08:00April 15th, 2023|Refinancing & Debt Consolidation|0 Comments
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REASONS TO REFINANCE YOUR HOUSE NOW

I'm going to share a few reasons to refinance your house now. And this is the story of one of our past client. Recently, the client applied for refinancing. He is 40 years old young, a teacher and very eager to apply for refinancing. Mainly to fully settled his loan. He submits in a [...]

By |2026-03-13T12:29:23+08:00April 5th, 2023|Refinancing & Debt Consolidation|0 Comments
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What Is The Difference Between Remortgage And Refinance?

Question: Hi, I have a house. The house is fully paid for. Now, I want to get financing for the home. What is the cost that I need to pay? And what is remortgage vs refinance? Answer: A remortgage is when your house has fully paid up, and now you want to get new [...]

By |2026-03-13T12:29:23+08:00February 15th, 2023|Refinancing & Debt Consolidation|0 Comments
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Why Do I Need Refinancing?

Many people refinance for many reasons, I will share the common reasons why people refinance their property. 1) Expensive Interest Rates We can presume every year, housing loan interest rate become lower and lower because of the competitive market. If you have the existing housing loan for a long time and never adjusted your [...]

By |2026-03-13T12:25:45+08:00April 5th, 2020|Refinancing & Debt Consolidation|Comments Off on Why Do I Need Refinancing?
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HOW TO APPLY FOR REFINANCING? (Straight forward version )

HOW TO APPLY FOR REFINANCING? (Straight forward version ) 1. Approach Malaysia Housing Loan consultant Mr. David at 0126946746. 2. We will go through your financial and property background. 3. Determine whether should you proceed for refinancing now or later. IF NOT TO PROCEED NOW. 1. We will offer free advise and steps you [...]

By |2026-03-13T12:28:13+08:00September 4th, 2019|Refinancing & Debt Consolidation|0 Comments
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What Fees Incurred when refinancing?

There are few fees incurred if you proceed for refinancing. However, the most important fees are able to finance together with the loan. Lawyer Fees, Stamp Duty and Disbursement Fees for Preparing of Loan agreement. These fees are allowed to be financed with the housing loan. However, still subject to bank’s approval. [...]

By |2026-03-13T12:25:45+08:00August 8th, 2019|Refinancing & Debt Consolidation|Comments Off on What Fees Incurred when refinancing?
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What Documents Are Required For Refinancing?

For Under Employment: (Meaning working with company or receive a fixed monthly income) 1. NRIC copy 2. Sales and Purchase Agreement / Title copy 3. Latest 3 months pay slips (For Basic Salary) / Latest 6 months pay slips (For Basic + Commission Earner) 4. Latest 3 months personal bank statement (For Basic Salary) / [...]

By |2026-03-13T12:25:45+08:00March 8th, 2019|Refinancing & Debt Consolidation|Comments Off on What Documents Are Required For Refinancing?
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