Homeowners regain power: Refinancing rates cut debt and release net asset value

Starting September 15, 2025, mortgage rate refinancing will provide homeowners with opportunities to optimize debt and reduce interest expenses. Common types of refinancing include: interest rate and term refinancing, i.e., lower interest rates or adjust term without withdrawing cash; cash withdrawal refinancing, i.e., allow up to 90% of the property value to be withdrawn for liquidity, but increase the loan amount; and cash injected refinancing, i.e., use savings to reduce principal to reduce repayment. Refinancing depends on the individual's financial situation and market conditions, costs such as expenses and fines need to be carefully evaluated. It is recommended to consult an expert to evaluate long-term benefits.