hello everyone...can anybody guide me how to refinance the house..? what's the procedure? FYI, i've bought a amansiara townhouse in selayang and plan to refinance the house just before move into that house...and anybody experienced to estimate the price after refinance (base on the location and the future value, bought at RM180k)

What was your initial loan amount and from which bank?
How long is the lock in period?

You do understand that there's a specific lock in period for any loan that you took up. I.e. if you are to redeem the property or to refinance, you'll be charge a certain amount as penalty. The usual lock in period is 5 years.

100% from government loan. (rm180k)...not sure about lock in period

If it's Government loan why do you want to refinance?!.....
That's the best deal in town!

Btw, to answer your question; don't recall there's any lock in period for government's loan. Thus I suppose you need to write a letter to certain department in Putrajaya and get their concern on it.
IIRC, one you've quit working for the government you could still continue paying that loan; just that it's no longer deducted from your salary.