Hi TS, I have question and need opinions from you. I am still a noob on this.

Details.
1) Property valued at RM460k
2) Effective Rate - 4.30%
3) Outstanding loan - 284K
4) Monthly repayment - 1.4K


Question
1) What is the current rate if I were to refinance ?
2) Will I be able to cash out and how much will it be if I can?
3) What will be the repayment amount with the new interest rate for say 30/35 years? OR if I were to keep my monthly repayment at the same price (RM1.4K), how long will the loan tenure be?


Thank you!

Thanks for the sharing. If this is the case, is there a refinance work that I do not wish to cash out but just to get a better installment/shorter tenure? If yes, how will my payment look like then?