sorry for waiting...i should have told u guys earlier on wuts the purpose of borrowing the money :
with the RM110,000. first thing i will settle my credit card Rm25,000...compare to cc interest ..i think its worthy since the housing loan rate is much lower than 18%...second : i wanna use the remianing cash RM35,000 to further study.....currently i might hav the problem to settle 4 cc cards ....thats y i wanna lower down my monthly instalment instead of paying 4 cc minumin payment which is much higher.third : my current housing loan interest rate is 7.8% ...current rate most bank giving now is much lower..saving interest....i understand u guys' thought not to digging hole to bury myself....or else u guys have any better suggestion...my main concern is minimise my monthly instalment n consolidate my 4cc debts into one...lower housing loan rate & extra cash for further study...i wanna further study becos for my current situation i wanna earn higher monthly income in future to pay back my housing loan asap.