- Depend your budget & how your holding power 

I will pop 2A for specific reasons though 22x75 layout is better.  I am mobile. Can't type much. Discuss later.

Congrats and welcome to EM bro!

Cinhoiliao...fast hand fast leg...

congratulation....     

Dont get so work up... Ignore the trolls.

Relax man.. why so angry..  you are not an agent right.. the main anger comes from agents.. dun be so selective.. when I was attacked by guys like rabel...doomdoom ( clearly personal attacks amounted to defamation).. samkps.. robert82.. phrases like " we understand you do not have money .. etc..degrading remarks despite i was merely discussing facts" there was warning from MODS... there was neither there was you to stand up..correct or not.. you can pretend actually you did have knowkedge of it..

who got BS time to sabo.. EM so rich.. how hard to investigate.. cincai ask LYN oso all details given.. money maa.. they must be cracking their head if they tink I m paid to do it..

saviour is big words.. merely revealing the fake mask around and of course to consider the negative impact (which you dismiss as useless) before buying that all.. the final say still on you.. cannot be telling the world only good every project is.. got bad surely got mitigation.. if so good developers keep for themselves.. finish built double price only sell.. thou they are doing it now selling future price..

if the comments are useless can ignore maa.. btw are agents somewhat been potrayed? Ask yourself.. why agents are getting more than lawyers should be? 2% to 1%.. and sad part is still agents/bankers ask for discounts which is prohibited and unkawful..agents commissiin do not get discounted.. and some are asking 3%

good thing ask the wife whether she can exemption or not to be agent? the commission part is illegal and unlawful.. why ppl want spend like 300k overseas to study..suan di.. EM is not wholly bad as well, the pricing and the sugar advice...  no doubt about EM punya facade sipeh nice..

Only thing i can think of is the amount of MRTA to be paid which could be different between banks. MRTA amount is then added into your loan, resulting in the small differences of monthly payment

Agreed. This should be the reason. Let me guess, your CIMB is with MRTA and HLB is without MRTA?  CIMB current package will only consider giving -2.50% if with MRTA.

Even if both with MRTA the premium charged could be diff due to diff assumption / input used in arriving the premium.

conventional or islamic?

Hmm... same amount of MRTA coverage too for both loan?

Boss, Million dollar deal?

For me, interest rate is just part of the better deal but also services, conveniences, easy to find out solutions when there is a problem or difficulty to understand the monthly statement, letters and etc.

MRTA is my option whenever I took 70% loan and with lock in period of 3 years. I will buy at least half coverage and short tenure to avoid big premium.

Please digest it and come back to us. 30K is a lot of monies

Yup.. mostly will be vacant upon vp.. they will tell.. landed in semenyih needz time to up.. and boost..

those staying better get guards prepared.. I heard the pak hitams from nottinghams did attack girls..

WHy bother go there? To lecture the buyers?

Riddle solved?