sharing on my recent loan offers.

RM700k
34 years

1st Round
RHB - 3.85%, MRTT 21k (said need minimum 3% of premium coverage to get this interest rate), full flexi
PBB - 3.85%, MRTT 21k (said need minimum 3% of premium coverage to get this interest rate), semi flexi
MBB - 3.8%, MRTT 4k, semi flexi

I then shared above offers to all banks and ask them to counter offer each other for lower monthly instalment

2nd Round
RHB - 3.9%, zero MRTT, full flexi
PBB - 3.8%, MRTT 2k, semi flexi
MBB - 3.8%, MRTT 4k, semi flexi (no change)

In the end chose MBB since I have been using it since forever for my salary, car loan and credit cards.