Hi ambank banker asked me how many years of mrta I'd prefer to take, can anyone advice? The property is for own stay for at least 10 years.

I have tried to apply loan for 3 banks but only ambank approved my application

Loan amount: 486000 + 18658 (mrta)
Loan tenure: 35 yrs
Interest rate: 3.55%
Monthly installment: RM2101
Sum insured 100%, cover for 35 years
Spa and loan 1 name only.

Ques
1. The interest rate is abit high so I wanted to try out pbb but SA advised not to do because she say pbb always got late disbursement issue?
Any concerns eg late interest charge?

2. Since loan already approve can I still make change to the mrta insured value? (reduce coverage years to lower monthly installment)