Not necessary top up portion 10years.

Can b extended to 35years if DSR within.

Ask ur banker. Every bank has different calculation, can bypass the 10years restriction

This post has been edited by kbkan224: Dec 13 2014, 10:13 PM

For a number of banks, the calculation for the top-up or cash-out is calculated based on 10 years repayment period.

However, the actual repayments can be done based on 35 years or until you reach 70 years old.

In short, if you qualify for the loan (Refinance with cash-out), your repayments will be for up to 35 years or until you reach 70.

This applies with a number of banks only. Ask me more if you have any other questions, or you can post your question here:

Mortgage inquiries

hlb letter offer can't send to the borrower unless you want to sign ?