I need some advice fast.  I've been approached by a bank on refinancing.  I am currently on fixed home loan.  After doing calculation, the salesguy told me that that I will save abt RM130 per mth from my mthly installment.  However, I did not know that there is moving cost involved until today. 

I have no experience on refinancing properties.  I was told that by virtue of BNM's regulation, banks are no longer allowed to absorb this cost.  Is this true?

Also, should I pay the moving cost separately or have it costed into the loan?  I do not know what is the moving cost yet as the salesguy need to check for me.