Ms. Tan
Property Value: RM1.5 million
Existing Loan Balance: RM700,000v
Objective: Access capital to expand her restaurant business.
Challenges
Needed RM450,000 capital for renovations and expansion.
Wanted to avoid high-interest business loans.
Needed to maintain steady cash flow and manageable repayments.Refinance Cash Out Strategy
Refinanced to RM1.35 million (90% of property value)
Cashed out RM650,000
Secured 3.85% p.a. interest rate—lower than business loan options.
Adjusted loan tenure to keep monthly payments affordable.Outcome & Benefits
Gained RM450,000 for her new restaurant, plus RM200,000 buffer.
Avoided high-cost business loans.
Maintained strong monthly cash flow.
Leveraged home equity to grow her business sustainably.Conclusion
Ms. Tan successfully funded her business expansion without taking on high-cost debt. By leveraging her property’s equity, she secured a low-interest loan that allowed her business to grow while keeping finances under control.
14%
portion of savings derived from home loan solutions
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