i refinance with cimb, but they don't offer the best rates in town

eon bank offers -2.2%
hong leong offers -2.0% first 5 yrs, thereafter 2.2%

cimb offers -1.95%, and all above are flexi

reason i took cimb, well no.1, the customer service was better than the others, she wasn't pushy, at least i got my own time to consider.

and most importantly was because of its convenience, i have multiple accounts and investments in cimb, so i guess it reduces the hassle to transfer money to pay for bank loans, hence i took up cimb's offer.