Refinancing Loan

Refinancing loan is offered for borrowers who have properties. Borrowers can apply for a cash surplus based on the market value of the real estate and the bank’s existing loans. It can be short term as well as long term. You can also qualify for this loan, even if you are CCRIS or CTOS blacklisted. However, the differential of current outstanding charged and the property market value must be quite substantial. Or else it may not worth to get the cash out.

Why need loan?

Refinancing loan is easier to get, because it is a type of collateral loan. This loan will lower the risk of money lender, if the property is charged. The loan amount is depends on the market value of the property. If you unable to pay back installment, they can execute the S&P previously signed between the lender and borrower, to claim back the outstanding money.


The basic requirement for this loan is that you must own a property, whether it is a land, residential or commercial property. Secondly, that property must be preferably freehold, and definitely cannot be on Malay Reserved Land. Thirdly, you must also show your repayment ability, such as your 3 months’ payslip and bank statements for employees, and 6 months’ company bank statements for business owners.

Who are we?

We are licensed money lender with many years of experience in this financing industry. We can advise you on how to get excess cash out from your current property by leveraging on refinancing process.

We provide services in KL such as Cheras, Kepong, KLCC, Kuchai Lama, Setapak, Sri Petaling and Bukit Jalil. Whilst in Selangor, we cover Damansara, Petaling Jaya, Shah Alam, Klang, Puchong, Ampang, Gombak, and Setia Alam. In other parts of Malaysia, we have our associate companies in Johor, Malacca, Penang, Pahang, Negeri Sembilan and Perak.


Do not hesitate to call us. Because we offer a free consultation for you to guide you which loans is suitable for your need. We can also help you apply to the bank, at certain fees. However, with our experience, it would certainly help smoothen the process and achieve a higher application success rate.