I am Maybank saving account holder... But my banker never mention about Maybank to me, maybe other bank easier to get loan? Can I roughly know the average interest rate for now?
Sorry 1 more question, normally bank will value the house first before loan approval or the other way round?

Nop it doesn't really. depends on grading and loan amount. normally maybank and public bank able offer the lowest interest rate among all these bank. bank value can be get base on verbally from valuer which is bank valuer firm, but before bank disburse money valuer have to go to your new house for inspection make sure it's categories under the value they quote, if value doesn't match they might pull back the value and bank have the right refuse to disburse money.

I got two offer, both banks also offer 4.4. Which one should I consider:

Bank R:
- Rate: 4.4 (90% inclusive of 10k  MLTA)
- No charge for processing fees (print loan letter offer + stamp)
- full flexii

Bank P:
- Rate: 4.4 (90% inclusive of 2k of MRTA)
- more than RM 200 for the processing fees (print loaｎ letter offer　+ stamp)
- semi-flex

If lets say house selling price 440k, loan 90% 400k and loan approved. But the house value only 420k @ 90% loan 380k, I need to top up 20k right? If I dont have the cash to top up then what happen? I have to pay penalty at for the house booking fee?

Sound like second bank is Pbb bank hehe.. How about base rate for this two bank?

I assume first is rhb bank? did you mention wrongly 10k mlta? mlta need to pay annually for certain year maybe 20 years ++

if bank value haven't reach 440k and you don't feel like top up the 20k you have your right to cancel this deal and get full refund from agent side and with reason the property unable to reach the selling price bank value, and i assume those banker is introduce by this agent? or you can drop case from the banker side and find for others banker who might able help you get higher bank value, because to be frank bank value all these is depends on relationship of the banker and the value.

Yeah..means the loan is including 10k of MLTA     

So which one is better based on your professional view? hehe..

Yeah..means the loan is including 10k of MLTA     

So which one is better based on your professional view? hehe..

Bank R:
- Rate: 4.4 (90% inclusive of 10k  MLTA)
- No charge for processing fees (print loan letter offer + stamp)
- full flexii
- BR is 4

Bank P:
- Rate: 4.4 (90% inclusive of 2k of MRTA)
- more than RM 200 for the processing fees (print loan letter offer　+ stamp)
- semi-flex
- BR is 3.65

   

Thanks a lot for your time and all your valuable advice, really appreciate it... 
Yup the banker was introduced by the house agent.. Since 1 banker can only apply 3 bank, I did found 1 more banker (myself) for another bank as backup...
I heard sometimes they can adjust the house value to higher price but they will lower the house loan %.... 

sorry what do you means by adjust the house value to higher price but they will lower the house loan %, you means mark up loan? if mark up loan you have to get agree from owner side she or he might need to pay extra rpgt for this. and higher loan amount your loan legal fees might more expensive

The agent told me the house value can value at 420k but since the seller insist he wanna sell at 440k the agent said he will try his best to get the house value at 440k but maybe loan only can get 85%. Sorry for my bad English 

include 10k mlta which need to pay for how many year? actually mlta is better than mrta, because mlta have cash value can do early statement.

If I choose Bank P, I also will take up MLTA as additional insurance to cover since the MRTA that included in the loan is just 2k+ nia..

hihi thanks for your reply.. but how do im not sure whats the drawdown amount.? can you clarify a bit ? appreciate

hihi thanks for your reply.. but how do im not sure whats the drawdown amount.? can you clarify a bit ? appreciate