sounds legit, they treat the top up loan as personal financing. No big deal. Refinance = Restart

This post has been edited by nilambanting: Jul 18 2013, 10:23 AM

If you understand the concept of refinancing, its lock your finance freedom from restart and giving no room for you props to appreciate. If u still failed to recover from refinancing (short term assisting), says bye bye to ur unit in Auction. But when bank deal with auction, means they failed to screen refinance package with risk assessment on the applicant accordingly. 10 years for top up is just perfect and good move