Hi guys, seek your opinion and advice.

I got offer from Public bank and RHB so far trying to decide between this two.

1.) PBB Semi flexi 1st yr 4.35% subsequently 4.45% (semi flexi can reduce principle by any amount and min mrta only 6k)

2.) RHB full flexi 4.45% (* downside is need  to reduce principle need to pay into loan account multiples of  rm1000 and min mrta is higher at 9.7k)

what is your advice and which would you choose?

thanks in advance !

Hi guys, I'm recently receive approval from RHB for their full flexi home packages, just Wan to make sure 1 thing as below which I saw at my LO :
1.) principal prepayment multiple of 1000
I got ask my Rhb banker, and she clarify that the system will reduce your interest even if you bank in 100/200/300. Anyone can clarify this? As she say if she lie, she could had complain by RHB long time ago.

Curenetly I'm have 2 choice bank loan, 1 is hlb another Rhb.
Hlb offer me 4.45% semi flexi loan
But one thing I don't like is that if I Wan to withdraw my money incase emergency, I need go counter to take and with charges of rm50, plus minimum withdraw I think it's rm5000.
But Rhb offer me 4.55 % and the banker say will help me fight for 4.45% which I don't think will happen.
If anyone can help me clarify for the multiple of rm1000, I will be appreciate. Thanks

new BR effective from 5th of April 2019.

source