Hey guys, I am new in the market, and I'm curious on the housing loan.

I am getting a new condo around 600k, which I definitely need a house loan.

I have some doubt on the below,

1. Does the Size of the Bank matters? Like MayBank would be much secured as it's larger. Concerning that if merger would occurs, the loan rate may differ.

2. Why are Banks have different BR, but they all arrive at a similar loan rate? And which is more risky to consider, the Base Rate or the Margin Rate to arrive at the loan rate?

3. Is Islamic Loan a concerns? Btw, I'm non-muslim

4. Semi-Flexi or Full-flexi for a full-time employee?

It's just my over worry.
Larger Bank usually give better impression that they are more secured, and the loan interest rate may not differ as much as possible?
And upon merger, the previous good loan rate may also subject to change.

I would think that bank won't close down, merely been bought over and the loan would be take over rather than we can run away with it

Thanks a lot for the advise

Just wondering why some of the Banks have low BR and high margin, but some have high BR but low margin, where either arrive at the similar loan rate..