just get my house loan approved, hlb, 750k, 2.85% with MLTT

No details are provided and you want us to judge based on the brands?

I got the following offers so far. For all of this, I have made official submission, and they're all captured in CCRIS.

S&P Price: RM901,888
Land classification: Freehold
Status: Under construction (3 yrs)
Margin: 90% @ RM811,699
MRTA: Self-finance @ Lowest Possible Coverage
Type: Conventional loan (i.e. non-Islamic)

PBB: (Approved) 3.85% with MRTA of RM3,300 (RM500k @ 5 yrs)
MBB: (Approved) 3.85% with MRTA of RM6,388 (Full amount @ 10 yrs)
HLB: (AIP) Only 85% financing for now due to poor credit scoring, rate not confirmed. Issue is my HLB credit card balance (???). MRTA unknown.
UOB: (AIP) Max 80% financing for the project, rate at 3.85%, on the condition all my CC balances are repaid (???), MRTA around RM45k, details unknown.
RHB: (AIP) 3.90% with MRTA of RM18,000. Can get 3.85% on the condition that I show them another bank's offer.
Alliance: (Pending) Rate unknown but submitted for 3.80%. MRTA of RM7,700 (Full amount at 10 yrs)

Looks like PBB is the clear winner, Maybank close 2nd. Difference being the required MRTA amount. PBB loan is Home10 while Maybank is a basic mortgage.

Just waiting for Alliance before making a final decision between PBB and Maybank.

I'm just wondering though, why HLB makes my CC balance with their own bank an issue? I've never missed any payments, and have more than sufficient liquid assets that I've given them as proof of my repayment capacity. I merely make full use of their 3m and 6m 0% FPP offers. Maybank and Public Bank didn't bat an eyelid about my credit card balances, and probably for a good reason. I'm not even a Public Bank customer. Just surprised cause I always thought Public Bank was one of our most conservative banks.

Note: I did not bother with HSBC, Affin, Ambank and CIMB because all their bankers were honest to say they can't go below 4.2%. Standard Charted could've offered as low as 3.80% but only at 80% financing for this project, decided early on it wasn't worth it.

For full flexi there are a monthly maintenance fees of RM 10 (some bank did not even charge), so to make it worthwhile you just need to have at least RM 3,000 (assuming you loan is 4% , 3k x 4% = RM 120 per year to offset your monthly fees)

Full Flexi loan that requires you to maintain a current account is RM10 monthly fee

Assuming your interest is 4%. You'll need to deposit minimum RM3000

Who is offering 3.75% at 90% financing? Lowest approval I got was 3.83% and that was from Alliance Bank.

I think SCB offers 3.80% but they only do a lower margin of financing.

Hi all, want to ask opinion. Recently I acquired a property, both MBB and HLB offered the same rate (3.85%) for 35 years for the loan amount of 700k. HLB offered full flexi, while MBB offered semi flexi. I'm kinda lean towards MBB as I can use my own lawyer which can saves thousands there. Wonder if there's any downside with MBB loan? As I've never used MBB before.

would like to get advice on MOT charges. I was quoted RM20.7k+2.8k for perfection of transfer for RM795k and perfection of charge.
Is this quotation still negotiable? 

795k

Ok boss, thats the problem everybank offer same haha

Hi guys, my loan just got approved recently :

Amount : 1M+
HSBC - 3 years lock in , 99% cap , no MRTA , Islamic Flexi .
Maybank - 3 years lock in , 99% , minimum MRTA , Conventional Semi Flexi (RM25 per withdrawal fully online / Flexi OD type (variable monthly installments amount fixed principal) . But Rm5 monthly fee only .
Hi guys given the fact both bank offer same rate, which do you think is better? If Maybank able to nego to no MRTA . I have no preference but seemed like working with Maybank is the smarter choice ? Altho HSBC is quite loose in loan applications might be helpful if need other loan from them

Actually have no preference just tot Maybank and Public bank is the harder bank to go into so maybe got advantage. Branch locations not an issue for me i dont mind even tho my town dont have foreign banks haha.

Total Loan Amount: RM 777,983
Loan Amount: RM 749,700
MRTA : RM 28,283
Loan Margin : 90%
Tenure : 25 year
Interest Rate : 3.96%
Monthly Instalment : RM 4,090

considered not very good rite?

What should be a good value? Sorry noob here.