Thank for the fruitful refinance lesson. Now I know how to use another name to maximise the loan to 90% even it's urs 3rd or 10th properties. And the cash out refinance is calculated by 10 years DSR was untold by a lot of guru out there. Keep it up! Will support all Reena Series!
@kennethtan6789 Жыл бұрын
16:40 wakakakaka I laugh until nearly fall off my chair, how Rena kept a straight face is amazing. Well done episode as usual, catch up soon.
@iherng Жыл бұрын
Thanks for watching Kenneth!! See you soon:)
@johnlittle2303 Жыл бұрын
Thanks. Does ms Rena has her own channel? I need for her to draw down to make the picture clearer
@bobby5796 Жыл бұрын
Great intellectual session with Rena as usual, hoping for moreee of this 🤗
@iherng Жыл бұрын
Thanks for watching Bobby!!
@DTYY941 Жыл бұрын
Is refinance number of years loan still the same? Or if current bank left 25 years, the new bank will refinance for me 25 years only?
@doris4379 Жыл бұрын
Thanks for this episode! It solved my problems about refinancing
@iherng Жыл бұрын
Appreciation it Doris!!
@Karazure Жыл бұрын
hi, I sincerely hope the volume can be a lot louder. Im at max but still sound low. BTW thanks for the informative podcast. kipidap
@iherng Жыл бұрын
Let me share the comment with my team. Thanks for letting me know:)
@mr003gaming Жыл бұрын
Thanks for this very nice sharing! Side topic, may i ask how and where do you suggest do we start learning watch investing? 😂
@iherng Жыл бұрын
Thanks for watching hahahaha. May I suggest to take it as a hobby first because that investment portion for watches is far more complicated compared to properties.
@michaelbyz23 Жыл бұрын
Lots of burning questions! Great series again
@iherng Жыл бұрын
Glad you like it Michael!!
@ethansoh6142 Жыл бұрын
the buy now pay later or zero interest installment actually is a cost to the sellers which they will factor in into their selling price. I would think the recent stubbornly high inflation is a result of these new interest-free products offered to the market. Anyway, thank you for the great refinance lesson.
@kimwong79983 ай бұрын
Good info, thanks!
@iherng3 ай бұрын
Thanks for watching Kim:)
@tc52382 ай бұрын
Very good video ! Thanks for sharing 🎉
@iherng2 ай бұрын
Glad you enjoyed it!! Thanks for watching:)
@stevenyong100 Жыл бұрын
Is 4.6% for 260K outstanding loan too high, thinking to refinance also, i look stupid if not refinance until like 3.9% or 4%
@iherng Жыл бұрын
Well it depends on your intention of refinancing. Like mentioned in the video, is it just to get better rates? Or to top up on the loan and etc. But 4.6% is quite high lah…
@theofficialjefflim7 ай бұрын
Thank you for this!
@mrbisskizzmarketing7087 Жыл бұрын
How BIG commercial bank making money through housing loan compared to refinancing the loan form other bank ?
@ericlai3221 Жыл бұрын
26:34 logical vs emotional mind😉
@Duckdrumstick9 ай бұрын
hi iherng, is it possible to refinance a fully paid house?
@iherng9 ай бұрын
Definitely. Provided that person or owner has the ability to qualify for the loan.
@leahsweetie01 Жыл бұрын
Love this series!
@iherng Жыл бұрын
Thanks Leah!!
@bjeddaj23868 ай бұрын
How did u get 40 years loan tenure?
@iherng8 ай бұрын
It was a promotion from banks 15 years ago.
@bjeddaj23868 ай бұрын
Can help me get one? 😂
@403424034 Жыл бұрын
through what mechanism can a insurance company provide a mortgage? Don't you need a bank license to do so?
@iherng Жыл бұрын
Well Im not bank negara, just a consumer:)
@muhammadhatta-n9k Жыл бұрын
hi iherng. i would like to invite you to review once cochrane residence. I’m the owner and it is empty unit.
@Babyy777 Жыл бұрын
Wah this episode learning curve quite steep!
@iherng Жыл бұрын
Yea. That’s why the first few episodes within the series is important before we come to this. Thanks for watching yea!!
@josephng1311 Жыл бұрын
Don't mean to be so keh poh...... just like to share that for words like 'doubt' or 'debt', the letter 'b' is silent. So, 'doubt' is pronounced as 'dout' and 'debt' is pronounced as 'det'. Ang moh words are very confusing. Many words starting with the letter 'c' are pronounced as 'k'. Lagi teruk.
@mingkoichan3623 Жыл бұрын
Yes, both host & guest shld pronounce the word 'debt' as 'det' - and NOT 'deb'!!
@mingkoichan3623 Жыл бұрын
Great series, though!! 👏👏👏
@PSLX Жыл бұрын
Whilst I truly appreciate both Sean’s and Rena’s contributions, I do agree and especially also on the pronunciation of the word ‘equity’. 😅
@mingkoichan3623 Жыл бұрын
@@PSLXYes, 'equity' shld be pronounced as 'ek.wi.ti' (not 'ee.kwi.ti'). The word 'industry' is also commonly mispronounced, shld be ˈɪn.dəs.tri' (not 'in.dʌst.tri').