hello,
planning to apply loan for my second property
the property cost RM300k + carpark RM18k
Downpayment RM15k

the house i am currently staying in is under "me and my wife" and loan from Public bank.

question 1:
under such circumstances, is it better for me to get another loan from Public bank or other bank. can anyone help with stating out the pros and cons with regards to sticking to the same bank or going for another bank.

question 2:
can i include the amount for my carpark RM18k into the loan as well

question 3:
the apartment is meant for investment, thus under such circumstances, will there be any difference in terms of loans with lock-in periods compared to loans without lock in periods

question 4:
which bank offers the LOWEST INTEREST !!!!!!!!!
or could anyone suggest me a BETTER way than ME calling each and every bank

Hello....my investment refers to long term investment...selling it off maybe but at a much later later later date...but in the mean time, renting it out to yield some return to cover bank loans....so thats why I am aiming for the lowest interest rate....even if the bank plans to lock me in for 10yrs but with good interest....I might consider....just saying

thanks

Need your opinions about housing loan offered by different banks
I got the same interest rate from most of the major local banks....the one thing that differs is the base rate n spread.....
May I know the importance of let say
1. 3.25+1.2
2. 3.9+o.65

with regards to the interest rate offered by banks....

the base rate and spread will change quaterly....but looking at it, will it make so much difference

3 main banks, offered same rate but lowest spread i get is 0.66

any example with regards to the effect of base rate and spread??

looking into each and every banks....other than the rates offered, what are the other things that one should look into???