Hi all, currently i have 4 bank offers for a subsale unit as follows:

Loan Amount : 630K
Loan Tenure : 30 years

1) PBB : 4.15% (3.52%+0.63%) with RM 8,035 MRTA for 2 person (RM500K Sum Insured for 10 years)

2) UOB : 4.25% (3.86%+0.39%) with RM 5,832 MRTA for 2 person (RM315K Sum Insured for 10 years)

3) MBB : 4.2% (pending for approval) MRTA minimum half tenure & half coverage to be taken for the offered rate

4) HLBB : 4.2% (pending for appeal) no MRTA requirement but advance payment cap at 30%

What would be the best option to go for? Appreciate your sharing with me, thanks.