I went through your company for a HDB home loan package about 3 years ago. The home loan is now more than 30 months, but still short of 3 years. I would like to enquire if its possible to refinance without penalty as soon as possible. If it can be arranged, I hope that I can go through your company again to refinance as you are an expert in analysing and can do much better to recommend to me the banks that offer a better rate. Thank you very much.