My ocbc was 3 years fixed rate at 4.55% then remaining years will be BLR-2.45% 40 years 80% rm550k

Cimb gave me blr-2.40% 40 years 90%
hongleong gave me blr-2.40% 30 years 90%
ambank gave me blr-2.35% 40 years 80%

uob din wanna do my business lol..

No rm10 Monthly charge.. Mine is semi flexi.. If i wanna withdraw my advance payment need 3 working days to process and that one got rm10 charge.

Other than that its 3 years lock in.

I went for ocbc coz of the fixed rate. I think the blr may go up soon.. Hopefully i can be protected with the 3 year fixed.

One problem that occur during application is that Ocbc required a whole lot of documents and verifications which other banks dont need. Especially those like me who do not have any CCRIS record at all.. Processing took 5 weeks.

Cimb 4 working days
Ambank 4 working days
Hong leong 5 working days