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Refinance Housing Loan Services
Refinance Housing Loan For Home Renovation
Cash Out Refinancing Services
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💡With expert guidance and proper loan structuring, the couple successfully secured financing for their new home without financial strain.
Client Profile (Location) :
📍Klang Area
Client's Objectives:
🎯Refinance cash-out to build another house on their own land
Client Background:
📖A couple in Klang wanted to build a new home on their existing land while keeping their current house as a rental property. They initially applied for a refinance cash-out loan on their own but were declined by the bank due to CTOS-related issues
Challenges Faced:
⚠️CTOS Issues – Their credit history led to an immediate rejection.
⚠️Lack of Proper Loan Application Strategy – They were unaware of how to structure their loan application effectively.
⚠️Insufficient Borrowing Capacity – Needed a significant amount to fund construction.
Our Solution:
✅ Financial Analysis & Documentation – We reviewed their financials and identified the CTOS issues.
✅ CTOS Issue Resolution – Provided a solution to clear outstanding records and improve eligibility.
✅ Strategic Application Submission – Recommended a joint application (husband and wife) to strengthen their profile.
✅ Loan Structuring And Submission – Submitted a well-documented refinance application with supporting details.
Results:
🏆Loan Approved: RM350,000
🏆Cash-Out Received: RM130,000 for construction
🏆New Home Construction Started
🏆Old Home Retained for Rental Income