Three sisters sought financial restructuring to ensure each had independent property ownership and manageable financial commitments. The refinancing process involved buying over a family home, consolidating debts, and securing new property purchases.

1. Complex Property Ownership Transfers – Sister C wanted to purchase the parental home from Sister B.

2. Debt Commitments – Sister A had a high RM12,000 monthly commitment, requiring a refinancing solution.

3. Funding for Home Upgrades – Sister C needed cash-out financing to renovate the purchased home.

4. Time-Consuming Process – The overall restructuring took over a year to complete.

1. Sister C financed a cash-out of RM355,000, partially used for home upgrades while staying with her husband, children, and parents.

2. Sister B was able to purchase another house after releasing her financial commitment to the family home.

3. Sister A refinanced to consolidate her debts, reducing her monthly commitment from RM12,000 to RM7,000.

4. Independent Asset Management – Ensured that each sister’s property and finances were separated and not mixed up.

1. Successful property buy-over from Sister B to Sister C.

2. 355K cash-out financing for home upgrades and stability.

3. New home purchase for Sister B, allowing her to move forward financially.

4. Debt consolidation for Sister A, reducing financial burden.

5. Each sister achieved financial independence with clear asset ownership.