Hi there, anyone can give me advice on which housing loan to take?

Bank A: BR 2.52% + Spread 0.63% = 3.15% (MRTA)
* MRTA cover half for BOTH applicant for 3yearrs(under construction) + 22years and also cover RM50k for 39 critical illness for 15yrs cover for BOTH

Bank B: BR 2.75% + Spread 0.55% = 3.30% (MLTA)
* No monthly maintenance fee
* No withdrawal charges
* No capping on savings
* MLTA covers both applicants and maintains 100% sum assured at RM530k for 30 years

Both are 35years tenure. Which bank is better?