onn,

wan to ask ? i got 1 house. d/s semi-d cost rm 235,000

existing loan rm 95.

can i refinance and get more cash ? which bank is good ?

but my cc hutang rm 40K++++. pay not good. owe 3 or 4 months ...

can i refinance ?

thanks

[quote=onnying88,Sep 21 2009, 06:57 PM]
I think in your case it's very hard to get the loan approved as your ccris record is not good. Maybe you can ask any sibling to help to refinance using their name as borrower. Then use the money to settle the CC debt. This is the one of the best way to settle the cc debt.
Or maybe you can consider to restructure your CC debt to 0% installment. 100% approval for it as long the card is still active.

You may pm me for more information.
Goodluck.

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thanks onn for ur reply. what means 'restructure cc debt to 0% installment' ?
for my case . i don have any sibling that can help me refinance. Headache >>>>>>>>>
in beginning of year 2008, i entered akpk program but terminated the program at the end of Jun 2008..
that further increase my problems..........

any advise ?? thanks.... can't afford to pay CC debt every month ... paid but can;t reduce the principal of loan...
eveery month paid blind... the amount owed always same...

This post has been edited by peng123: Sep 22 2009, 10:15 AM

thanks....................