You can refinance back into Public Bank, less hassle but sometimes they don't offer competitive rate to existing loan. Call Public Bank and ask what sort of rate they'll give you. Is your apartment loan still within the lock-in period? If so you'll be subjected to pay the penalty of 2%-4% of the principal loan amount. Public Bank's loan lock-in is 5 years from full disbursement so IF you took up the loan during construction, count 5 years after you receive your apartment key.

The packages from various bank depends on your loan amount. So check with public bank 1st and I can dig my database if it's reasonable or not.

This post has been edited by firesphere: Jun 10 2008, 12:03 AM