refinance hard, you already 90% debt right? if i am not wrong, you wont have ability to repay, i know refinance can get cash, but need to pass threshold first..

further more once refinanced, property need to sell above million but you bought time to service loans

that is provided one still have credit left.. those who do not stretch till max, 90%, bank negara only 70%..

the undertable mark up valuation report for refinancing is allowable provided you have credit left..

at the end, both are stretching till max effect, but refinance in this way , you have cash in hand

my few cents

Haha!
TS relax only

Yalor.....ask A. Get answer for B. He already mentioned he has strong holding power....n many thinks he is in financial trouble.