pbb took 3 days to get offer letter out for me previously. rhb also 3 days.

happyguy, are you going through an agent or a pbb loan officer? always better to go direct to the loan officer as this saves time - no middle man.

HappyGuy - they are not as neutral as you think. they have different arrangements with different bankers, and as such make more commission for some banks and less for other banks. they are going to push the one where they can make the most commission. it is better if you see bankers from a few banks and do your own comparisons. you can go to pbb and tell them you are also considering alliance, and ask them why pbb is better than alliance, then do the same thing at alliance.

at the end of the day, everyone wants to take care of their own interest, so its best if you take care of your own interest too.

fyi, from my limited knowledge (i could be wrong) - pbb does not give commission to agents who refer cases. they do not even give commission to their own staff. their staff will get bonus if they hit a certain target every month, but no commission on a case to case basis.