hi dear sifus, i applied home loan valued at rm727020 (soho unit in cyberjaya). so i got loan offer from ambank and this is the package they had given
MOF: 85% (since the developer giving 15% rebate)
Loan rate: 4.38% (BR4.00 + 0.38)
Tenure: 35 years
Lock in period: 3 yrs
Loan type: semi flexi conventional loan and no hidden charges just open savings account
Monthy installment: rm2924 inclusive MRTA of 15 yrs
according to them is if also zero moving charges.. means no charges if refinance after 3 yrs

Question is
1. based on ur opinion, so u think this is a good offer,
2. if not so gud can u tell me the reason and do u know any othr bank who can give better offer than this overall
3. i also applied with rhb and uob and i got offer of them but i think this the best since is given me lowest intrest rate, is there any possible can get lower than this?

hope to get some feedback as this is my first loan and i will be signing the offer letter this friday. thanks in advance smile.gif