hello, I got the same offer from OCBC. You can try UOB or Public Bank because they can offer better rate for NZEC which is BLR-2.4% for whole tenure. But beware of the term and conditions, I could not comment much here because haven't got the chance yet to compare between the banks.

For ZEC, all banks offer similar rate BLR-2.2% whole tenure, RHB, UOB, Public Bank and so on.

For OCBC, they will have separate loan agreement for car park and also apartment. And I never know that people can pay for the car park using 10% downpayment. You may try it then. Also note for NZEC, OCBC provide option to finance the legal fee into your loan which could increase the interest charges in long run as the principal amount increased.

For the unit level 20, one reason it is still unsold could be the top floor in apartment generally experience problems like water leaking and burning hot because it is nearest to the ceil under the sun 

The reason I chose RHB is because I can start paying the monthly installment after first drawdown instead of waiting for the full release of loan. This will surely set me free from the nightmare of piling interest charges due to project delay.

Please advise before I am falling into the trap 

Thank you AK788 for the explanation. As highlighted, there are valid points for the reno package.
Previously I am doubt what they are giving in the aircond piping, if the copper pipe is included, then I may re-consider the offer.

1. We cant expect TT to custom made the package for 720 units.
2. All business is expecting and want to make profit.
3. You will save lots of hacking works to install the aircond for the living room (longer piping route) if the piping is in-place. Except you want to put the compressor unit at the balcony instead of designated aircond ledge. (dont forget it is a high-rise building, and you are not advise to hack the strcutural load bearing wall. Hacking the high-grade concrete would be a night mare for the contractor.)

The above points are only my personal opinion, for your reference. I do not have any quote from contractor, but I asked my friend who just finished his own renovation. An additional power point cost RM 45 - RM 60. If the point is from DB, it should be around RM 70 - 90.

But I do agree that TT shall give the layout for us to review. At least you know what you subcribe for!