Usually set-up fees is for opening an account with the bank lo. 

If it is for opening of account, then that RM200 will be credited into your account geh ma

Salah la sifoo. This is one time charge of account OPENING fee; not ACCOUNT DEPOSIT for opening of account.
All flexi mortgage loans come with an account set up cost - as explained in my other post.
This is non refundable but there are certain banks which bear the cost of this. Can try appeal, but rarely can get approval; banks may view that this customer can buy expensive house, so 200 is immaterial, customers will argue that bank gonna earn so much through my loan hence can waive. Like chicken and egg, never ending love hate relationship.    

Hi, you bought semi D?

Alliance bank really differentiate customer... I take loan for DSL, the best rate only blr-2.35, appeal for better rate, the banker ask to put in 10% of loan amount into saving account for better chance. Your semi-d can get blr-2.45.... boooo.... 

I crossed check with a few bankers, looks like any budget decision will not have impact on this years loan or SPA.
But, can only say for sure after Friday.

Welcome on board mate!
Merrum here.
   

Same here, i submit to most banks and said, best rate and best service wins.
Eventually, i already have a few picks in mind regardless of the outcome; some, give very prompt service.

RM200 still money eh!

Yo! Yo! Plavia neighbour here! 

Occasional neighbour.
 

Occasional neighbour.
 

Wah! You really very sharp wei! 

Neighbours,

I sudah dapat LO from RHB.

Blr-2.45%
No lock in period
No set up fee
No mthly maintenance charges

   

3 yrs from 1st drawdown = harmless

BUT

3 yrs from full drawdown = harmful! 

This is basically a flexi loan - but those days, there is no charge for flexi loan as it was being introduced to market; only some people take up this product as only a few percentage realised the benefit of flexi loans. But, as consumers became wiser and tech savvy (smartphones); information is accessible, everyone started taking flexi loan till the usual traditional loan concept died..

This is of course not favourable to the bank as they lose interest income - projected vs actual is inaccurate. So, they reintroduce the traditional one as semi flexi to discourage consumers from either making advance payment or capital repayment by making it more complicated to withdraw as opposed to flexi loans.

And, started charging for flexi loans - this may deter applicants in opting for flexi loans. The way it works is, when you pay advance / excess, your contribution to the principal is higher; but since there is no change in tenure, what happens is, they either give you payment holiday when your excess rebates the principal to the extent that it can cover certain months of installment. Or, they will accumulate and perhaps say at the end of the tenure of the loan, they realise you had overpaid and they discount one year from the loan tenure sshould you have sufficient savings in interest to coover 1 year of installments.

Exactly, if you know that you only going to pay excess once a year - like me, when i either dump my annual bonus or EPF 2 money in future, I will opt for Semi Flexi and just take up a CA with that bank for convenience purposes. It all depends on your cash flow as Bro Vislai says.

Hahaha, HSBC truly the world's local bank.
The last to collect doc from me, but the earliest to come back!
Loan approved.

BLR-2.45%
Lock in: 3 years (from 1st drawdown - no impact to me though)
35 years
RM100 flexi setup cost
RM10 monthly maintenance

Now waiting for Developer approval code for the project to generate LO.
They require the code. But, okay la. Sudah approve ma. Now can look forward to others.

In fact, I had to put in some surety for other banks, HSBC approve solely based on my employment income. The best offer indeed.