Hello,
I am getting a house loan for my first property for investment purpose.
I applied for a few Bank - RHB, Ambank and HSBC.
Which bank house loan is better ?
I am looking for interest rate, lock down period and etc any hidden cost associate.
So far, Ambank offer the best rate at 4.35% compare to RHB 4.4% and HSBC 4.5%. All 3 bank offer to me 90% financing.
I am just thinking, should I also be concern over the service quality ( ie : follow up, sense of urgency...etc) from these 3 banks...
Any thoughts / recommendation ?

It all depends on what you are looking for. Whether it is lowest interest rates, flexi, semi flexi, whether there is any lock in period, how much are the admin charges etc.

In terms of processing, from my experience, Ambank is quite slow. HSBC, normally interest rates will be higher.

Have you tried public bank or hong leong?

Hi, i work in conveyancing and the general consensus is that Ambank is one of the best banks in terms of service quality for loans (processing, disbursement, etc). Next up would be Standard Chartered and Public Bank. It's one of the considerations as you don't want a bank / officer that drags on your processing or disbursement time until even late charges are incurred in some cases. Hope this helps

CIMB would be currently the WORSE, the charge you RM40 monthly for paying too much of the loan !