I intend to refinance my apartment which i bought at RM149,000. Now having 30year loan with ambank and paying RM861 monthly. The loan agreement was in August 2004. Do i have to pay panelty which was 3.5% or RM8000 whichever higher. Is it worth moving. What is the benefit i get in term of shorter loan period if i move to other bank as the current interest ambank charge is BLR +1.5%. Please advise. Thanks.