If its not written confidential then should be no issue. Believe there is no harm in showing as our intention is to get better rates, myself i wont give them physical/digital copy.

property price RM 517,000
loan 90%

option A:
MBB 2.9% , loan 35 yrs, included valuation fees+ loan legal fees
MRTT 27yrs RM 12099 , coverage 27 yrs

option B:
PBB 2.9% loan 35 yrs
MRTT 35 yrs RM 25122 , coverage 35 yrs

-in the event of default, maybank will increase the rate BR+ 6.15% if default 3 consecutive months while PBB if late 1 month, the bank will increase BR+ 3%

-PBB withdrawal excess need to go branch and fees is RM 52 per withdrawal, while MBB fees is RM25 and can withdraw online.

I was thinking to go with MBB, but then PBB banker just called and say can counter offer 2.85% if i choose them but other terms and conditions is still the same.  So is it better to go with PBB for 2.85% with this conditions?

p/s: Unable to apply other banks since only this 2 bank offer 90% loan for 3rd property, other only offer 70%

Aftter my MBB loan approved, my PBB's sales called me said try appeal to 2.85%, in the same time I received call from PBB's bank officer said no such thing as 2.85%, PBB lowest offer is 2.90%

HLB's sales also the same, once they knew you going to sign other offer, the sales personnel will counter you better rates, but it just a "verbal promise", i doubt that can be fill up

Can pm ur banker ?
I also want to get 2.85%

Hi every1, need advise on below:

1. Option A
Loan amount: 90% of spa( no mrta) : full flexi@ bout 650k
Tenure: 31
Rate: 3.1%

2. Option B
Loan amount: 90% of spa ( RM2K mrta financed onto loan amt once off): semi flexi
Tenure: 32
Rate : 3%

The history of BR & BLR/BFR for option A is lower than Option B for past 6 years as at 14.07.20.

Which option will u take?

Existingly i have mlta, if take Option B,  do i ned to top up my mlta?

Thank you

hey all, want to ask some opinion on the follow loan packages offered to me (property for own stay):

1) MBB (joint loan)
- 500k (90%) + 13.5k (MRTA, 25 years)
- 2.95%
- semi flexi, no need to inform on deposit or withdrawal and only charges on withdrawal (RM 25 per withdrawal)

2) RHB (joint loan)
- 500k (90%) + 21k (CLTA, 25 years)
- 3.00%
- full flexi, no need to inform and no charges.

Should I go with MBB for the lower interest rate (don't see a huge deal breaker with the RM 25 withdrawal fee)?

Hey all, thanks for the input. Forgot to include the info for the insurance:

1) MBB (joint loan)
- 500k (90%) + 13.5k (400k coverage, MRTA, 25 years)
- 2.95%
- semi flexi, no need to inform on deposit or withdrawal and only charges on withdrawal (RM 25 per withdrawal)

2) RHB (joint loan)
- 500k (90%) + 21k (310k coverage, CLTA, 25 years)
- 3.00%
- full flexi, no need to inform and no charges.

Hi, newbie here.

Loan amount: 790k (90% + MRTA)
Tenure:35 years
Rate: 2.95%
MRTA: 1.9k / 10 years
Monthly: 3,000

Is this good or can be lowered?

Hi sifu, need advise on below offer:

Rm 5670000 loan amount
Mrta Rm 12,780 cover 200k 30 yrs
Tenure 34 yrs
2.85%
Full flexi loan
Without mrta 3.05%

Do u think mrta too expensive?
Should i take with or without mrta?

How much is the loan amount and MRTA cost for full coverage loan amount and duration? 2.9% is very competitive rate.

Since it's still undercon, you can only serve interests only repayment til loan fully disburse.

What is the lowest rates currently? 2.90? 2.80%? Or even lower?

Is 3.0% for a HL considered "too high", or is it acceptable?

Reduced installment means principle has ALREADY been reduced due to advanced payment, doesn't it? Unless I'm misunderstanding. Just because your installment is 1.3k (for example) doesn't mean you can't continue to pay RM1.7k....