i wanna refinance my property.
only 3 years old and still under lock in. 5% of total loan or rm6k

so Ii need a high current market value in order to get a little to cover for the penalty.

so far checked with the banks below.
for example property value = RM100k
outstanding = 92k

Market value
HSBC - 75k
Stan chart - 80k
Am bank - 110k
pub bank - 100k

but people are selling their houses for rm150k on newspapers.
can i know why is it like that, and how can i find a good valuer who can give me a good market price?

my loan is actually 6% of the total loan amount or RM6k whichever is lower.

cannot tahan already cause need to refinance. and once able to refinance for higher value of my property, i can take the extra cash and pay for the penalty.
Tried asking my bank to lower the rate but they refused. Because right now i'm still in lock in. they said that i can apply again after the lock in period. I also gave them other bank offer letter to me also. but still they said they won't counter offer.

so no choice for me but to find higher property value.

Hi

Wondering which bank you use for every mth charging rm10!!! Maybank??

As I know CIMB has not impose for any service fees since last yr. Try out for CIMB.