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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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kwk_1995
post Oct 30 2019, 11:02 PM

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Joined: Mar 2011


QUOTE(tangenttheta @ Oct 25 2019, 09:32 PM)
Hi dear LYN forumers
I would like to ask for opinion because im stucked with 2mortgage loan offers and couldn’t make decisions on it

Both 35years term

MBB- 3.0+1.22= 4.22
MRTA 100k for 5years, premium RM 385
Loan total 343k, monthly installment Rm1568
Semi flexi loan

RHB- 3.75+0.45
MLTA 330k for 16years , premium RM 7100
Loan 350k, monthly installment Rm 1592
Fully flexi loan
*agent claimed rm0 withdrawal fee, no monthly fee, no set up fee*

Which one is better to choose, fully flexi or semi flexi?
Would appreciate if anyone can offer me some advice.. thank you sifus 🙇🏼‍♂️🙇🏼‍♂️
*
Hi may I know why ur MBB only MRTA 100k for 5 years? Do you top up from previous "MLTA" policy?

I was offered by both MBB and RHB but RHB premium is higher due to their "MLTA" that can be transferred to new property.


 

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