Finally get my offer letter after waiting for THREE weeks. This is very very slow from my opinion.

They did very thorough verification &  valuation to approve the loan. From verify your information even by calling to your company, do bankruptcy search, check your profile, check developer profile.

And last thing my offer letter is pending approval on the developer profile for more than one week, even though the offer letter is ready by knowing the rates and everything, just the branch manager cant sign without getting the approval on the developer profile.

Ya. I confirmed with my agent and no commission given from public bank. However, in the other way, the agent will always persuade you to buy MLTA from them, which I don't like it very much as they will misleading you and have you to buy insurance from them.