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Refinancing is to terminate current home loan with a lender and transfer the loan to a new lender. The transition requires house valuation. Refinancing also can be happened in the same bank.
The benefits of Refinancing
1 Better interest rate loan products save you money for long term
2 More opportunities to increase your loan capacity
3 Value-added part of the house can be topped up for any other purpose
4 Good chance to debt consolidation