SME loan & mortgage loan

[ahchan]

Slm ahchan,
gud ebening (kalau bukan islam ler)..

ko nak bt personal loan atau refin umah?, kalau kojo sewasta tk perlu panel company utk apply personel loan. Refin umh anytime ler bole bt asal lepas kelayakan ler..cmane kelayakan income/ employement/ gaji part time/ umh kat mana dan byk lg soalan2 yg berkait dn kena kait pasal umh dan diri ko sendiri..pe details yg ko bole bg pasal refin umah bro?..

den islam tok, wasalam2
erm pm den details tuk buat personal loan, kojo swasta, xde panel cmpany...kalo den ssh sgt nk pinjam loan personal, terpakso la den refinance umah
sedeh nye raso
plez tok details kt pm den