Recently I made a booking to purchase a property, then I received offers from 3 banks.

CIMB rate is 3.9 (base) + 0.45 (spread) = 4.35, 3-yr locked in.
Maybank rate is 3.0 (base) + 1.2 (spread) = 4.20, 5-yr locked in.
RHB rate is 3.9 (base) + 0.5 (spread) = 4.40, 3-yr locked in.

They offer many different kinds of loan packages, some of them need to open current account, which need a monthly maintenance fee RM10++, some no need but have to keep a min RM1000 balance. For those packages that no need current account, bank will charge a RM25~RM30 transaction fee if I withdraw money. 1 of them, I have to transfer money from loan account to saving account when I want to withdraw money.

My friend told me that the loan spread rate is lower the better. My sister told me that locked in period is shorter the better. My wife has another opinion, she thinks that easier to withdraw money is better. When they were explaining to me, i felt so confusing . To me very simple, the total rate (base + spread) is lower the better, so that I can pay few monthly installation, but I am not so sure.

Any sifu can guide me how to choose a good loan package?