Property Purchase Price
• Price: RM3.3M (High Rise Sub-sale)
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MBB Full Flexi (2 Names)
• Loan Amount: RM3,105,200 (90% + 4%)
• Tenure: 35 years
• Rate: 3.60%
• MRTA: 50% coverage for 10 years (RM20K+ cost)

MBB MyDeco Loan (MBB)
• Amount: RM250,000 (Semi-Flexi)
• Tenure: 10 years
• Rate: 4.2%

Fees:
• Processing Fee: RM200 (waived)
• Lock-in: 3 years (waived)
• Withdrawal Fee: None
• Monthly Maintenance: RM5
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RHB Conventional Full Flexi (1 Name)
• Loan Amount: RM3,135,000 (90% + 5%)
• Tenure: 34 years
• Rate: 3.55% (lower vs MBB)
• MRTA: Waived (saves RM20k+)

Fees:
• Processing Fee: RM200 (waived)
• Lock-in: 3 years (waived)
• Withdrawal Fee: None
• Monthly Maintenance: None

Condition:
• A deposit of RM200K qualifies for PB status, and it can be withdrawn after signing the LO.
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Dilemma:
RHB seems better, but since the CCC is only 1 year, no deco loan is being offered.

After realizing the MBB MyDeco loan also requires paying legal fees, we decided to go with RHB. Since we already have a substantial MLTA, we’re considering adding on more coverage later.