i think the bank is misprinted the price for monthly payment for 20 years tenure instead of 25 years..

maybe the bank want to land you the X value for 25 years so it will be RM Y each month for you to pay...

the calculation maybe correct, but for the 1st agreement the bank misprinted for 20 years..

if you insist to stick for the 20 years tenure..maybe your monthly payment will be increased becaused i think the monthly payment is based on BLR/BFR and not fixed (unless you choosed the fixed loan house)