http://forum.lowyat.net/ Sun, 11 Oct 2026 04:34:36 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/2623199 Hi all,<br />I would like some advice regarding loan issue. I plan to settle my house loan with personal loan. Below is the plan.<br /><br />1. Apply PL from bank rakyat at RM180k at 3.88% PA. <br /> - Monthly at RM 1320 for 20years<br />2. Settle HL at HSBC principal at RM170k<br /> - Now in 3rd year at BLR - 1.6% around RM1060.<br /> - Another 22 years to go and the rate after 5th year is BLR- 1.8%<br /><br />Or batter for me to refinance the HL principal- but this will involve documentation cost???<br /><br />Please help.<br /> njan77 Finance, Business and Investment House Tue, 11 Dec 2012 11:42:47 +0800