{"id":3862,"date":"2025-06-25T02:58:21","date_gmt":"2025-06-25T02:58:21","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=3862"},"modified":"2025-11-17T02:45:04","modified_gmt":"2025-11-17T02:45:04","slug":"refinance-house-loan-malaysia","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/refinance-house-loan-malaysia\/","title":{"rendered":"Bilakah Anda Patut Membiayai Semula Pinjaman Rumah Anda di Malaysia?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3862\" class=\"elementor elementor-3862\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-603aae4 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"603aae4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-513a4fa\" data-id=\"513a4fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1436404 elementor-widget elementor-widget-html\" data-id=\"1436404\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t[xts_html_block id=\"3506\"]\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86c14ad elementor-section-full_width elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"86c14ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c446df\" data-id=\"5c446df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e5a17 elementor-widget elementor-widget-shortcode\" data-id=\"a1e5a17\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/personal-finance\/\" rel=\"category tag\">\n\t\t\t\t\t\tPersonal Finance\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2025-06-25T02:58:21+00:00\">\n\t\t\t\t\t25 Jun 2025\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2025-11-17T02:45:04+00:00\">\n\t\t\t\t\t17 November 2025\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tWhen Should You Refinance Your House Loan in Malaysia?\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bed14 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60bed14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>One of the perks of refinancing is the opportunity to secure lower interest rates compared to your current mortgage. You may be tempted to refinance your housing loan and replace your existing one, which might feel too expensive. Although the lower rates are appealing, they\u2019re not the only factor to consider when refinancing.<\/p><p>Deciding whether to refinance your housing loan is\u00a0just as important as deciding to purchase a new home. Refinancing involves the\u00a0<em>act of replacing existing loans with a newer loan<\/em>\u00a0that pays off the debt of the old loans. Hence, it\u2019s critically important to evaluate the situation properly before proceeding to refinance.<\/p><p>As such, this article aims to provide you facts about\u00a0the advantages and disadvantages of refinancing\u00a0so you won\u2019t take unnecessary risks.<\/p><h2>Key Takeaways<\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinancing can lower your costs through reduced interest rates, smaller monthly payments, or faster loan payoff.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Top benefits: lower commitments, extra cash for personal use, and easier debt management.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be cautious: refinancing may restart your mortgage term, raise monthly payments, or add legal and processing fees.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good credit matters . Aim for a CTOS score above 697 to secure the best rates.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don\u2019t overspend after cashing out as it can strain your finances or risk your property.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evaluate your situation carefully or get expert help through IBPO\u2019s i-Refinancing program for personalised guidance.<\/span><\/li><\/ul><h3><b>Advantages<\/b><\/h3><ul><li>Reduce your monthly commitments<\/li><li>Pay off your house faster<\/li><li>Reduce your loan\u2019s interest rate<\/li><li>Cash out for personal funding (perhaps for your next renovation)<\/li><li>Consolidate debts for easier payments<\/li><\/ul><h3><b>Disadvantages<\/b><\/h3><ul><li>Might increase monthly payments<\/li><li>Restarts your mortgage term<\/li><li>Might not be beneficial if you plan to move out soon<\/li><li>A good credit score is required for lower interest rates<\/li><li>Might lead to overspending which risks your personal finance (or worse, your home)<\/li><\/ul><h2>Benefits of Refinancing Your Mortgage Loan<\/h2><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-7034 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-scaled.jpg\" alt=\"Financial consultant helping client refinance house loan in Malaysia\" width=\"2560\" height=\"1694\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-300x199.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-1024x678.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-768x508.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-1536x1016.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/medium-shot-couple-talking-real-estate-agent-2048x1355.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p>Why should you refinance your mortgage? Consider the following and evaluate whether it applies for your situation.<\/p><h3>Reduce Your Monthly Home Loan Payments<\/h3><p><span style=\"font-weight: 400;\">Refinancing your home loan at a lower interest rate can help you pay less every month. For example, if you refinance a RM400,000 loan from 4.5% interest to 3.5% over 30 years, your monthly payment could drop by more than RM230. That\u2019s extra savings you can use for other needs.<\/span><\/p><p><span style=\"font-weight: 400;\">With Malaysia\u2019s current Overnight Policy Rate (OPR) at <\/span><strong><a href=\"https:\/\/www.bnm.gov.my\/monetary-stability#:~:text=Further%20information-,Overnight%20Policy%20Rate,As%20of%204%20September%202025,-All%20OPR%20Decisions\">2.75% as of 4 September 2025<\/a><\/strong><span style=\"font-weight: 400;\">, many banks are offering better home loan rates. As <\/span><strong><a href=\"https:\/\/theedgemalaysia.com\/article\/should-you-refinance-your-property#:~:text=the%20current%20low%20interest%20rate%20environment%20offers%20good%20opportunities%20to%20refinance%20loans.\">The Edge Malaysia<\/a><\/strong><span style=\"font-weight: 400;\"> points out, now is a good time to consider refinancing if you want to lower your monthly payments.<\/span><\/p><h3>Pay Off Your House Loan Faster<\/h3><p>In certain cases, you\u00a0<em>may want to refinance your loan into a shorter term<\/em>, such as from\u00a0<em>a 30-year loan to a 15-year loan<\/em>. This\u00a0allows you to pay off your house sooner\u00a0and own the house entirely which saves you a significant portion of the money that would have gone to interest payments.<\/p><h3><b>Reduce Your Housing Loan\u2019s Interest Rate<\/b><\/h3><p>This is self-explanatory, you might\u2019ve found a\u00a0<em>better loan offer\u00a0with\u00a0lower interest rates<\/em>\u00a0down the line while owning a house and refinancing allows you to switch to that loan to\u00a0reduce your interest payments.<\/p><p>Not only that, if your existing mortgage is an\u00a0<a href=\"https:\/\/www.investopedia.com\/terms\/a\/arm.asp\" target=\"_blank\" rel=\"noopener noreferrer\">adjustable-rate mortgage (ARM)<\/a>, refinancing your mortgage into a\u00a0<em>fixed-rate loan<\/em>\u00a0can lock in the interest rate and monthly commitments, subsequently making it easier for you to plan your finances.<\/p><h3>Get Extra Cash through House Loan Refinancing<\/h3><p><span style=\"font-weight: 400;\">Refinancing your home loan can also let you access extra cash based on your property\u2019s value. This cash-out amount can be used for things like renovations, education, or starting a business.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">It should be noted that the repayment tenure of the cash-out amount is <\/span><a href=\"https:\/\/theedgemalaysia.com\/article\/should-you-refinance-your-property#:~:text=It%20should%20be%20noted%20that%20the%20repayment%20tenure%20of%20the%20cash%2Dout%20amount%20is%20capped%20at%2010%20years%2C%20according%20to%20the%20guidelines%20issued%20by%20Bank%20Negara%20Malaysia%2C%20but%20some%20banks%20will%20approve%20tenures%20of%20more%20than%2010%20years%2C%20if%20the%20borrower%20has%20good%20repayment%20capability%2C\"><span style=\"font-weight: 400;\"><strong>capped at 10 years<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, according to guidelines issued by Bank Negara Malaysia. However, some banks may approve a longer tenure if you have strong repayment capability.<\/span><\/p><h3>Debt Consolidation Made Easier with Refinancing<\/h3><p>If permitted by your creditors, you can\u00a0combine multiple loans into one\u00a0through refinancing. As such, your\u00a0monthly payments can be paid off through one account with one interest rate\u00a0instead of through multiple accounts with variable interest rates \u2013 thus,\u00a0<em>simplifying your finances<\/em>. To know more about debt consolidation, check out our<a href=\"https:\/\/www.ibpo.com.my\/debt-consolidation\/\"> i-Console Plus Program<\/a>.<\/p><h2>Disadvantages of Mortgage Refinancing<\/h2><p><img decoding=\"async\" class=\"alignnone wp-image-7035 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-scaled.jpg\" alt=\"Things to consider before mortgage refinancing\" width=\"2560\" height=\"1708\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-768x513.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-1536x1025.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/02\/close-up-hands-with-house-money-2048x1367.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p>Sometimes refinancing is just not the wise option for you and in the following scenarios, it may not be suitable for you to refinance your mortgage.<\/p><h3>Higher Monthly Mortgage Payments<\/h3><p>If you choose to\u00a0<em>shorten your mortgage<\/em>\u00a0from a 30-year loan to a 15-year loan, it can\u00a0cause your monthly commitments to be significantly higher\u00a0as you have a\u00a0shorter timeframe to pay off your mortgage. Your cash flow can be impacted and strained by this decision causing you to live with a tighter budget.<\/p><h3><b>Restarts Your Mortgage Term<\/b><\/h3><p>If you refinance your home into a 30-year mortgage and your existing mortgage was already paid for 4 years, your\u00a0mortgage term is restarted\u00a0and you will be expected to\u00a0pay off your house much later\u00a0in life.<\/p><p>The longer you\u2019ve paid off your existing loan, the less likely it is that refinancing your mortgage is a good choice\u00a0<em>unless you are planning to refinance into a shorter-term mortgage<\/em>.<\/p><h3>Might Not Be Ideal Before a Property Move<\/h3><p>With\u00a0<em>closing costs<\/em>\u00a0capped at around\u00a0<em>3% to 6%<\/em>\u00a0of your mortgage, refinancing wouldn\u2019t make sense\u00a0if you plan to move soon.<\/p><p>On top of that, there are also\u00a0various upfront payments to be made\u00a0after your refinancing application such as\u00a0<em>legal fees, appraisal fees, loan origination fees, and much, much more<\/em>. Thus, you shouldn\u2019t be considering moving if your interest savings have not outweighed your upfront payments, refinancing is not an option in these circumstances.<\/p><h3>Best Mortgage Refinancing Rates Require Good Credit Score<\/h3><p>When searching for a refinancing option, you\u2019ll notice that all creditors have their own requirements for refinancing, but\u00a0<em>to get the best interest rates<\/em> for refinancing,\u00a0you need to have a good credit score.<\/p><p>According to\u00a0<a href=\"https:\/\/ctoscredit.com.my\/learn\/ctos-score-important-number-financial-health\/\" target=\"_blank\" rel=\"noopener noreferrer\">CTOS<\/a>, only credit scores of 697 and above are considered to be<em>\u00a0good, very good, or excellent<\/em>. If your credit score is\u00a0<em>lower than 697<\/em>, you\u00a0might be offered higher interest rates, which might not be better than what you already have.<\/p><p>There&#8217;s an easier, faster way for you to check your score with <strong><a href=\"https:\/\/anika.ibpo.com.my\/\">ANIKA<\/a><\/strong>, the first AI-powered virtual financial consultant chatbot. Get your results instantly now!<\/p><p><a href=\"https:\/\/anika.ibpo.com.my\/\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5382\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1.png\" alt=\"\" width=\"2400\" height=\"521\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-300x65.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-1024x222.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-768x167.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-1536x333.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-2048x445.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><\/a><b><\/b><\/p><h3><b>Might Lead to Overspending Which Risks Your Personal Finance<\/b><\/h3><p>Being able to cash-out refinance is definitely a great thing that\u00a0can help you solve some financial troubles. However, it is\u00a0not a good idea to use it to pay off your unsecured debts\u00a0(especially credit card debts) and\u00a0make unnecessary large ticket purchases.<\/p><p><em>Missing payments on your credit card may impact your credit score<\/em>, but\u00a0missing payments on your mortgage may lead to you losing your house!\u00a0The situation worsens if your housing market value declines and increases your debts.<\/p><h2>Final Thoughts on Refinancing Your House Loan<\/h2><p>Essentially, refinancing your housing loan\u00a0depends heavily on your financial situation\u00a0and ultimately your financial goals.<\/p><p>Make sure to carefully consider your situation and\u00a0evaluate the pros and cons of refinancing\u00a0to make the right call.<\/p><p>If you still\u00a0find yourself having difficulties in making the right decision\u00a0for\u00a0<em>refinancing<\/em>,\u00a0<a href=\"https:\/\/www.ibpo.com.my\/i-refinancing\/\">IBPO\u2019s i-Refinancing program<\/a>\u00a0can help you through the process.<\/p><p><b>References<\/b><\/p><p><strong><a href=\"https:\/\/www.bnm.gov.my\/monetary-stability\">https:\/\/www.bnm.gov.my\/monetary-stability<\/a>\u00a0<\/strong><\/p><p><strong><a href=\"https:\/\/theedgemalaysia.com\/article\/should-you-refinance-your-property\">https:\/\/theedgemalaysia.com\/article\/should-you-refinance-your-property<\/a> <\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div style=\"margin-top: 40px; padding: 20px; border: 1px solid #ddd; border-radius: 8px; background: #f9f9f9; display: flex; align-items: flex-start; gap: 15px;\"><p><img decoding=\"async\" style=\"width: 80px; height: 80px; border-radius: 50%; object-fit: cover;\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcTSeatcmYRYsMNho5mAp9qySUzghxQYU_TPGw&amp;s\" alt=\"\u94b1\u5e86\u6bc5\uff08Daniel\" \/><\/p><div style=\"flex: 1;\"><p style=\"margin: 0; font-weight: bold;\">Diandra Nunis<\/p><p style=\"margin: 10px 0; line-height: 1.6;\">Diandra keeps an eye on the latest finance trends and loves sharing what\u2019s new and exciting.<\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] One of the perks of refinancing is the opportunity to secure lower interest rates compared to your current mortgage. You may be tempted to refinance your housing loan and replace your existing one, which might feel too expensive. Although the lower rates are appealing, they\u2019re not the only factor to consider when refinancing. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3863,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,73],"tags":[78,79,104],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinance Your House Loan in Malaysia: What You Should Know<\/title>\n<meta name=\"description\" content=\"Discover the best time to refinance your mortgage house loan in Malaysia. Learn how refinancing can help you manage your finances better with IBPO Group. Read more\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/refinance-house-loan-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinance Your House Loan in Malaysia: What You Should Know\" \/>\n<meta property=\"og:description\" content=\"Discover the best time to refinance your mortgage house loan in Malaysia. Learn how refinancing can help you manage your finances better with IBPO Group. 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