PropTalk EP 3｜New Refinance Rules: Cash Out Capped at RM200K?

房子涨价了，还能像以前那样 refinance 套现、再拿去投资吗？🤔 其实，游戏规则已经变了。现在的 refinance 多了政府的新限制，很多人都是到了要用钱的那一刻，才发现来不及。   这一集 PropTalk 🎙️，Evon Heng 邀请房贷专家 Michael Jau，一起拆解 2026 年 refinance 背后真正的逻辑。 你会了解： ✔️ Refinance 新规：套现最多 RM200K，期限最长 10 年 ✔️ 唯二可以「借更多」的两个用途——教育 和 装修（以及需要准备的文件） ✔️ Refinance 如何帮你降低利息——但出手前一定要先看 lock-in period ✔️ 没人告诉你的「隐藏成本」——律师费、估价费，以及哪些情况可以贷进去 ✔️ 一个简单判断：每月能省 RM300–500，就值得 refinance   Refinance 早已不是拿来套现买奢侈品的工具——用对了，它是帮你重组房产组合、停止多付利息的关键。   📌 正在考虑 refinance？这一集你一定不能错过。 记得点赞、分享给需要的朋友，也欢迎在留言区留下你的问题！ Property prices have gone up — so can you still refinance, cash out, and reinvest like people used to? 🤔 The rules have changed. Today, refinancing comes with new government limits — and most people don't find out until it's too late. In this episode of PropTalk 🎙️, Evon Heng sits down with mortgage specialist Michael Jau to break down how refinancing really works in 2026. You'll learn: ✔️ The new refinance limit — cash out up to RM200K, max 10-year tenure ✔️ The only 2 exceptions that let you cash out more — education & renovation (and the documents you'll need) ✔️ How refinancing can lower your interest rate — and the lock-in period you must check first ✔️ The "hidden costs" no one tells you about — legal & valuation fees, and when you can loan them inside ✔️ The simple rule of thumb: if you save RM300–500/month, refinancing is worth it Refinancing isn't about cashing out for luxuries anymore — done right, it's a tool to restructure your portfolio and stop overpaying interest. 📌 Planning to refinance? This is one conversation you don't want to miss. Like, share, and drop your questions in the comments — we'd love to hear from you! #PropTalk #PXM #PropNexMalaysia #PropertyLoan #MortgageTips #RealEstateMalaysia #PropertyInvestment 欢迎来到我的频道！这里分享房地产见解、成长故事和团队文化。 订阅频道 🔔 获取更多灵感与实战内容！ 想了解更多，也欢迎在不同平台找到我： 🌐 官网 👉 https://www.propnex.com.my/ 📸 Instagram 👉   / propnex_malaysia   📘 Facebook 👉  / propnexmalaysiaofficial   🎵 TikTok 👉  / propnexmalaysia   Welcome to my channel! Here I share real estate insights, growth stories, and team culture. Subscribe 🔔 for inspiring and practical content! You can also connect with me on: 🌐 Website 👉 https://www.propnex.com.my/ 📸 Instagram 👉  / propnex_malaysia   📘 Facebook 👉   / propnexmalaysiaofficial   🎵 TikTok 👉   / propnexmalaysia