Hi, i have a situation here and have several questions to ask. Hope the pros out there can help to enlighten me.

1. If I am 50 y.o. and I wish to buy a house(new or used also can) worth RM 200k, what is the MOF and max tenure i can get?

2. If I am 50 y.o. and i have a loan-free house(free hold) worth RM 400k and i wish to refinance it, what is the MOF and max tenure i can get?

3. For case 2, can i refinance RM 300k instead of the market value of RM 400k?

4. For each of the case above, how much is the MRTA or life insurance with riders(to cover the loan amount)?