Just share my experience here.I am just a consumer & my experience as below on both new financing & refinancing
CIMB-Not best rate,but very flexible n willing to accommodate
HLB-Offer letter very fast,after that down the hill.Using unprofessional lawyer that needs upfront deposit but takes more than 6mths for disbursement.Till now,still waiting!FYI:Nothing wrong with my account & this is puzzling me..opportunity cost lost!