Hi.

I really need advice on what bank to choose for my housing loan. I already got offer from three banks. Only Bank A is flexi. Interest rate, Bank B said they are fixed, others floating. However, Bank B did said they still depends on Bank Negara. Please help me to choose, Sifus. Thanks in advance.

Bank A

- facility amount : RM462,870
- legal fees : RM9,400
- valuation report fees : RM1,300
- MRTT RM13,747
- Locked Period: None
- total financing amount : RM487,317
- tenure : 35 thn
- rate 3.35%
- monthly installment : RM1,972

Bank B

- MRTT: RM23,871.31 (30 years)
- Locked period: None
- Financing: RM482,871
- Tenure: 35 years
- Rate-3.35% (fixed)
- Installment: RM1,954

Bank C

- Loan: 462800
- Mrtt: 12600
- Legal fees: 10739
- Financing: 486139
- Rate: 3.35%
- Tenure: 35 tahun
- Installment: 1967.15

This post has been edited by billsean: Jun 14 2020, 07:25 AM

Thank you. I also thinking the same.. But will clarify it with them one last time whether the rate will really be fixed..

Oh.. Yes! I should check for it.. Ok.. Thanks so much

Not sure about that.. I need to ask them..