What are the considerations for refinancing a mortgage after the initial 3-year period in Thailand?

Refinancing a mortgage after the initial 3-year period involves various considerations such as associated fees, ease of the process, and the benefits compared to reverting to the MRR (Minimum Retail Rate). It also raises questions about whether to switch banks or remain with the current one. Engaging with expat communities, like those on social media, can provide insight from individuals who have navigated this process.