Hi guys,

I need to refinance my low cost apartment & use the cash for my new house renovation.
I'm still paying for the apartment & there's about 20k plus to settle to the bank.
Can you guys advise me where is the best bank to refinance my apartment.
I'm worried since there are many packages from different bank.
Anyway, the current loan is from Public bank.
Can i refinance it with them, will i get a better value in return if i do so...
Pls advise.