For this loan amount, I can help refinance for at least BLR -2.35% with OCBC and Hong Leong for 35 years. If you would like to do this, we can quickly meet up and I can straight send in the docs tomorrow. Results in about 5 working days.

It's good to consolidate these loans since they (except for PTPTN as I am not sure about them) all have higher interest rates than housing loans. Car loans use simple interest rate calculation and almost always have higher rates than housing loans.

At FDR+2.75% it is high time for you to refinance

Faiz Azmi + 6 013 369 3993

Alliance bank is just as good as any other banks. As a mortgage broker, I discuss options with my clients, depending on their situation, income, commitments, MOF max, LVS inclusion, charged interest rates, type of collateral, etc and offer them the right banks for their needs