Based on your scoring, can go as low as 4.35%

HLB
Hi

In regards to loan package, few banks like PBB, MBB, RHB and CIMB are offering quite okay about 4.25% - 4.3%

With regards to loan package, there is derived of Semi and Full Flexi loan.

If you don't do regular withdrawal then Semi Flexi loan is good enough, otherwise, take up a full flexi loan so you won't incur withdrawal fee.

Just in case you're wondering what's semi and full flexi loan as first home buyer

Semi Flexi
- Normally comes with withdrawal fee
- No need to maintain current account
- Will need to wait longer for your money to return back to your savings account
- No monthly fees
- Usually recommended for people who are not business owner 

Full Flexi
- Normally doesn't come with withdrawal fees
- Need to maintain current caccount
- Don't need to wait for your money to go back to your current account to make withdrawal
- Monthly fee to maintain your current account
- Usually recommended for people who runs a business as money comes in from businesses, it will save interest on the daily rest. And the business owner can use that money again a few days or weeks later for his business.

who is the chargor, an individual or a company?

Can anybody elaborate the details, pros and cons if below 2 products from Maybank?

I am trying to understand in detail for Maxihome Flexi Lloan vs Commodity Mudarabah Home Financing-i.

Banker somewhat unsure or reluctant to elaborate, call center told me to refer to branch.

House price 245k, 220k loan amount, 90%. Which product will be a better choice?

About 3 to 4 months