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.

from my experience size doesnt matter..wat u shud keep in mind r speed of loan processing and disbursement to seller, DSR (some banks hv higher, some lower), how long is the term, any lock in (if yes how long?), need to use their panel lawyer or not, their customer service

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?

similar effective rate but if u push the mortgage officer u can get lower (depending on whom u talk to and which bank also)..usually if u know the branch mgr they can help u get very attractive package..

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

why there r concerns on islamic loan???i hv had islamic loan..juz some of the terms r different but it wouldnt hv affected ur decision 

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

depends on ur needs...both can withdraw a sum of money out if u deposited advance payment as capital reduction..find out wat r the differences in the terms n conditions..and match those with ur needs..