the only downside to ocbc homeloan is probably when your property rise in price and you would like to apply for a top-up loan. they do not facilitate top up loan....ie your borrow 500k today and 3 years down the road other bank can lend you 700k, giving you 200k to invest in another unit......for ocbc, they can offer the renovation loan but it is bearing a much higher interest.
while you can just refinance with another bank, the legal fee and stamp duty will be based on the full amount and not the top up amount.
so that will increase your cost a little.
but of course, this will only happy when your property rise in price and you want to invest another one. otherwise, nothing to complain about ocbc loan

well, i did the check just 3-4 months ago cos i am now using ocbc homeloan. called up the sales person, said no such things.....not believing the sales person, i called up the call centre and they repeated the same message. and the ONLY way to get more loan is renovation loan

i can only conclude they do not favour top up BUT renovation loan cos they can charge more and renovation loan is something new for them to sell.

Sp setia linked to govt....= safe developer. Sure more confidence to lend more....