http://forum.lowyat.net/index.php?showtopi...government+loan

The easiest is still to get your wife to ask from her seniors and you to check with your seniors also on TNB's loan. Then do a comparison.

IMO, government loan is always worth it. However, it's not "flexi". Cons is procedure might be a headache and slow. I remember my father in law's title in the end need to personally go down to Putrajaya to claim. Went there 3 times just to claim back the title.