Hello everyone, I'm a first home owner and currently my loan has been approved with the given package. Anyone can help me regarding this one as I yet to choose which package suitable for me

First package:
Islamic loan
SPA: RM300,000
Loan: RM270,000
Rate: 3.15%
Tenure: 35 years
MRTT: RM14,986
Total: RM284,986
Installment: RM1,121

MRTT
Sum insured: RM215,000
Cover 38 years including 3 years of construction period

Second package - CLTT
Islamic loan
SPA: RM300,000
Loan: RM270,000
Rate: 3.15%
Tenure: 35 years
MRTT: RM14,431
Total: RM284,431
Installment: RM1,119

CLTT
Sum insured: RM270,000
Cover 23 years including 3 years of construction period

For my objective, I'm planning to rent it probably in the future when I'm more stable maybe in 5-10 years after staying there. Not sure about selling it as it depend later on by my high possibility is for future investment

This post has been edited by shadowblack: May 20 2022, 09:36 AM