Want to ask for opinion
Currently trying to buy house 250k
I tried to apply loan. One bank told me options for the loan:
1) 90% loan with 4% interest
2) 100% loan with 4.1% interest

Which one should is more recommended to take? I am thinking to fork out the downpayment from my epf.

Thanks

Hi, want to ask some questions regarding my housing loan.

Recently I applied for housing loan with Public Islamic Bank, and in the letter of offer (LO) stated that need to take credit card, which is okay for me.
Fast forward, my loan approved and they sent me not one, but two public islamic credit card platinum, one visa and one mastercard.

So my question is, since the LO stated the need for the credit card, I really need to activate the card right? But do I have to activate both of them? Or only one will be sufficient? And what will happen if I didn't activate both of them?

Currently have already signed SPA & Loan Agreement, awaiting the lawyers for stamp duty etc. Loan is not yet disbursed to the developer.

Thanks in advance 😁