hi, my bank is offering BLR-2.20% for refinancing. is actually work for you refinance it bcoz of the economy downturn and our interest is very competitive in the market. our Flexi Loan offer you a current a/c, atm card and cheque book that allow you to withdraw money anytime at any amount you want. if you put more money inside your current a/c, i may help you save the interest and shorten your tenure. please call me at 017-3282011 or email me at shiewwai85@hotmail.com