i don understand refinance?can i get loan from refinance??

let say
house price 200k ++ already 2 years.. , can refinance borrow me 100k+ so the total loan would be 300k++ ? is it like htis?

Hello, i would like to know how property refinance will reduce the repayment amount

i have a sample scenario:

Total loan : 80,000
Years : 15, since 2000
current interest : 4.x %
repayment amount : 79x.00, now 769.00 (after BLR- i guessed)

i have no idea bout this, hope u guys can help