Refinancing loan normally offer for borrowers who have own properties. Borrowers can apply for a cash surplus based on the market value of the real estate and the bank’s existing loans. Even if you are CCRIS or CTOS blacklisted, you also qualify for this loan,. However, the differential of current outstanding charged and the property market value must be quite substantial. Or else it may not worth to get the cash out.

Why need this loan?

Refinancing loan is easier to get, because it is a type of collateral loan. If the property is charged, it will lower the risk of money lender. The loan amount is depends on the market value of the property. However, if you unable to pay back installment, they can execute the S&P previously signed between the lender and borrower, to claim back the outstanding money.


The basic requirement for this loan is that you must own a property, whether it is a land, residential or commercial property. Secondly, that property must be preferably freehold, and definitely cannot be on Malay Reserved Land. Thirdly, you must also show your repayment ability, such as your 3 months’ payslip and bank statements for employees, and 6 months’ company bank statements for business owners.

Who are we?

We are licensed money lender with about more than 12 years of experience in this financing industry. We can advise you on how to get excess cash out from your current property by leveraging on refinancing process.

We provide services in KL such as Cheras , Kuchai Lama, Setapak, Sri Petaling Kepong, KLCC and Bukit Jalil. Whilst in Selangor, we cover Petaling Jaya, Shah Alam, Klang, Puchong, Damansara, Ampang, Gombak, and Setia Alam.


Do not hesitate to call us, if you need cash urgently. We offer a free consultation for you to guide you which loans is suitable for your need. We can also help you apply to the bank, at certain fees. However, with our experience, it would certainly help smoothen the process and achieve a higher application success rate.

Sme Loan Specialist
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