📍Puchong Area

🎯Refinancing
🎯property purchase
🎯debt consolidation

📖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.

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

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

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

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

After consulting with us, the sisters followed a structured financial plan:

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

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

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

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

🏆  Successful property buy-over from Sister B to Sister C.
🏆 355K cash-out financing for home upgrades and stability.
🏆 New home purchase for Sister B, allowing her to move forward financially.
🏆 Debt consolidation for Sister A, reducing financial burden.
🏆 Each sister achieved financial independence with clear asset ownership.