currently my loan with EON bank (merge with HLBB) already 3 years+ (past lock-in period), full flexi
RM212k for 30 years @ FDR+2.75% interest, paying RM1k per month (november last month increase to RM1.1k per month)

based on current valuation, property increase to RM450k (neighbor house just sold for this price) & thinking of refinancing.

1. maybank - max 10 years tenure
2. cimb - max 10 years tenure
3. alliance - max RM350k @ BFR-2.30%
35 years @ RM1667 per month
30 years @ RM1784 per month
25 years @ RM1955 per month

thinking of settling all below debts & have only 1 loan to service:
2 car loans @ RM60k
PTPTN loan @ RM40k
CC @ RM6k

is it worth to refinance & other banks can offer better rates/higher amount?