hehe. I know how you feel.
The 1st time i buy a house also really headache. Went to visit around 5+ banks. Ask a lot of people for advice. In the end decided on PBBANK, with BLR - 2%, lock in period 5 years. 30 year loan. Pay like RM1370+ a month for 290K loan.

Just my 2 cents, visit as many banks as you like n see what they can offer you and decide from there.
Ask them for: 1) What is the rate offered? ask for better rate after they answer you. 2) monthly payment amount? 3) can discount you on lawyer fee?(some will give, some wont, some free- but i nvr found any that give me free ) 4) difference if you take MRTA or not. 5)lock in period

To me the number of years is not important becos i intend to pay up asap :/ It's just a matter of what i can afford to pay at this moment. No need so fan becos there's no perfect plan Just take the best one you can get.

This post has been edited by Sarahlyf: Mar 26 2010, 08:58 AM