Hello guys, need experts enlightenment/ opinion here..

If choosing housing loan, how to consider the best (lowest) rate?
From what i knew, the effective lending rate is the interest rates, so obviously the lowest is the best.
Then comes to base rate, how to compare. Is lowest or highest bank rate will be better? let say after adding the spread, interest will be the same.
Simple example is like below case, quoted from few pages back.

Thanks guys.

Not yet.. can u explain regarding this..