Hi all,

Currently my SPA got 2 names, bank loan also 2 same name, but now since i'm applying for singapore citizenship and plan to buy property there, i would like to remove my name from SPA, i won't mind if remain my name in bank loan, but not SPA.

I asked lawyer, they said i need to refinance again, and the cost is about RM20k.

property bank loan balance is about RM400k, but market price now is only Rm350k, if refinance and let's say 90% is approved, i need to pay 35k(deposit) +50K(price different) +20k(lawyer) up front, which is really a huge amount of money.

May i know is there any alternative way of doing this? Can i remove my name from SPA without refinancing, or replace my name to my parent/sibling? Bank is HLB.

Thanks in advance.