How about obtaining a refinance loan from overseas bank:
like below:
https://rhbgroup.com.sg/personal/home-and-p...efinancing-loan

Benefits: enjoy Singapore low interest rates..

What I want to ask is, what happens to the previous loan then?

Because SG banks don't communicate with Msia banks and share credit history..

is it then possible for a home owner to acquire a third Malaysian property by hiding the refinanced loan in SG bank.. i.e., instead of paying the 30% downpayment for 3rd prop, the home owner now is eligible for a 90% loan, since Malaysian bank can't see the SG bank refinanced loan.. to them, it will look like a full paid off loan.

This post has been edited by Liamness: Mar 10 2020, 04:13 PM

If I refinance the loan using overseas bank, then it shouldn't show up on CCRIS record, correct?
If I'm correct, the house loan should show as a fully settled payment.

and if it doesn't show up, then I can go back to loaning at 90% margin, right?

Right now, I have two. So if i hide in sg one.. it will go back to one.