Article: When should I refinance my TOP property?

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So you have bought a property during the new launch 3 years ago, and while it's almost completed now, when is the right time to refinance my property?

There are 2 major milestones for property under construction, TOP and CSC. Once the property has TOP, that's when you start collecting the keys and move in! But wait, it's probably not the right time to refinance yet. As usually there is an undisbursed loan amount before CSC is obtained, refinancing at this junction may incur cancellation fees! CSC is about 12 months after TOP.

So you should wait till CSC, right? Yes.. But.. There's always a BUT!! Is the loan beyond the legal clawback period, typically 3 years, or more specifically, 2 years and 9 months? If you answer Yes and property has obtained CSC, then you should consider refinancing! Try out our Refinance Calculator today.
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