Comparing 3 banks.

1) HLB Flexi
-2% whole tenure
Lock-in: 5 years with 3% exit penalty
ATM card, cheque book, RM10/mth and one time setup fee of RM200
Optional MRTA

2) HSBC Flexi
-1.9% whole tenure
Lock-in 5 years with 3% exit penalty
ATM card, cheque book. RM10/mth and no setup fee
Optional MRTA

3) RHB Flexi
1st year -2.3%, 2nd to 5th year -1.8%, 5th year onwards -1.9%
Lock in 3 years with 3% exit penalty
ATM card, cheque book. No monthly and setup fee
MRTA 15 years coverage

Buying to stay for 5 years onwards. Which one is better?

My loan is 210k.

Firezz, how to get it back?

Yes, I've taken HLB's offer. In fact they just offered me 3 years lock in period instead of 5.

Firezz, I am taking HLB's semi flexi loan, no monthly charges and no setup fee involve. But thanks for your offer. Appreciate it.

The loan that u applied is called Flexi loan where HLB will give a atm card and cheque book for u to withdraw any excess payment that u have made.

My semi loan dont have this facility that is why i dont pay rm10 fee.