🔄 REFINANCE vs REMORTGAGE (RAMAI KELIRU!)
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🏦 REFINANCE
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👉 Tukar loan bank baru
👉 Close loan lama → buka loan baru
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✔ Biasanya dapat:
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Rate lebih rendah
Pakej lebih baik
Cash out option
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🔁 REMORTGAGE (atau “repricing”)
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👉 Kekal bank sama
👉 Negotiation untuk rate baru
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✔ Kelebihan:
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Tak perlu legal cost tinggi
Proses lebih cepat
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❗ Tapi:
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Biasanya tak boleh cash out besar
Rate improvement limited
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📊 REALITY MARKET MALAYSIA (FAKTA)
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📌 Bank Negara Malaysia (BNM) OPR naik/turun → terus effect interest housing loan
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📌 Kadar biasa:
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Floating rate: ±3.7% – 4.5%
Lock-in period: 3–5 tahun
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📌 Refinance sesuai kalau:
👉 beza rate minimum 0.5% ke atas
👉 baru betul-betul nampak saving
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🔥 CONTOH SIMPLE
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Loan RM500k
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Interest lama: 4.5%
Interest baru: 3.8%
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👉 Savings boleh cecah:
💰 RM200–RM400/bulan
💰 RM70k–RM100k sepanjang loan
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🎯 KESIMPULAN
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👉 Refinance bukan wajib
👉 Tapi strategic move untuk upgrade financial position
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✔ Buat kalau:
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Nak saving
Nak cash out
Nak grow asset
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❌ Jangan buat kalau:
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Sekadar ikut trend
Tak kira kos & risiko
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#RefinanceRumah
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