good luck ya.

So in the end i through this Maybank relief : https://www.maybank2u.com.my/maybank2u/mala...ief_scheme.page

And apply to pull my current outstanding from 2 years left to 5 years and lower down my monthly instalment.

The bank give me same rate still and the monthly instalment lower down by 65%
Original 2,200
New one 760

After done some calculation, the interest macam add-on extra 1.5k overall.

Glad to hear that you got good offer from the bank.

Depends

There are ways to rotate credit on Ur credit card for zero interest and without any fee

So if looking to cash out 50k, that's easily doable if you have sufficient limit on Ur credit card

Been doing it for decades, and definitely zero interest and fee. Exception, certain transactions I pay a very very small fee which is 0.1% only. Not 1% but 0.1%

Obviously we are talking about normal credit card cash out.

Campaign 0% promo is another story.

u refinance = new loan = 700k
what do you think?

This post has been edited by sunami: Jan 24 2025, 02:10 PM

I guess depends on the borrower, to some the 0% is the decision factor cos savings of interest and lawyer fee is a lot

On the other hand, if borrower wishes to apply other loans as well, then maybe difficult cos c.card outstanding would show on ccris, unless salary way above what's owed monthly, then dsr shld be still manageable