Im not sure why PBB cant give minimal. By the way, i already signed RHB.
At first i only applied PBB, their rate is 3.7%.
MBB offer 3.60 + mydeco loan which is final offer.
And then RHB came and offer 3.55%.
i dont expect RHB can give such lowest rate and better MRRT premium. PBB counter offer to match RHB. But i go for RHB instead.
I have bad impression to PBB. Like why they dont give the best package to offer initially like the other banks.

So final offers:

Loan tenure = 35 years
House value = 1.1 million

1. MBB = 90% loan, Rate 3.60 + my deco loan, MLTT RM83k full sum coverage @ 25 years
2. PBB (Option 1)= 95% loan, rate 3.55, MRTT 53,866, partially coverage 90% of house value @ 35 years. First year rate is 3.05%.
2. PBB (Option 2) 95% loan, rate 3.55, MRTT 69k full sum coverage @ 35 years. First year rate is 3.05%. (Installment higher than option 1 by RM100).
3. RHB = 95% loan, rate 3.55, MRTT 53,866, full sum coverage @ 29 years.

I opt for RHB. Both PBB and RHB give me hard time to choose. I know you guys will choose PBB option 2.