Appreciate if you could share the following details

1) Purpose of refinance
- change of ownership?
- cash out?
- looking for better rate?
- debts consolidation?
- reduce housing loan quota to get 90% eligibility?

2) Type of property?

3) Current market value

4) Name in SNP, name in loan

5) How much is current outstanding, which bank property is encumbered to?

6) Conventional loan or Islamic loan?

7) Has lock in period expire in current loan?

That depends on your purpose of refinancing
1. Consolidate debts
2. Interest rates
3. Cash out for other purposes

And based on your different purposes will also determine what sort of packages is suitable for you and whether you're eligible or not to take up the refinancing.