Refinance yourself. ✨

For those who have borrowed the same bank for three years, say first that they should prepare in advance, because the slower they walk, the more interest they lose!!

Our 3 years to run the interest after 3 years is 5.2%, which for us a lot, paid 18, xxx. The interest has eaten 14, xxx. So I went to ask for a discount, but the bank has reduced it to 3.75%. I think it is still too much.

There is a elder who knows to introduce the Thai Pong to us, so we can ask for refinancing through his brother, the interest of the first three years, 2.45%, which we are very satisfied. Appointment to evaluate the house as much.

After he said that he had passed this limit, we had to go to the original bank to send a petition for the total amount of debt (going to the headquarters to do the matter faster than the sub-branch, Phi Phong said). After that, wait for the Nong to make an appointment to do the matter and make an appointment to the Lands Department. Fortunately, we made an appointment early. Doing everything about 1 week apart. We also have life insurance. He will notify us to ask for insurance return. (Take the real policy, do the matter at the headquarters.)

- On the day of the appointment, the Lands Department will tell you what documents to prepare.

- The day we got to the Lands Department, there was a bank department to press the cue card, and we followed the procedure, and then we gave the check to the new bank, and it was done.

- Cheap because the pro has joint life insurance.

* * Try to find a free pro for many expenses, especially mortgage. * *

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