Normal discount oledi @65%

Well, my previous loan application do get 60%, but the bank mark up the initial fees. I never take that bank due to high interest rate so go to another bank which offers lower interest rate. Same lawyer firm basically but discount way lower at 45%. As I can't wait any longer as I need to renovate it and shift in before new year, so I just sign the SPA directly. After reading the detail of the fees, it come out to be ~rm1000 cheaper than first bank's 60% discount offer.

rm47*k amount, 30 years, 10 year MRTA only as Ii planned to settled by 3 years.
I doubt loan amount will play any role, is up to the firm to give you discount. Standard non formal procedure(as if it is formal, lawyers will lost their rice bowl) by lawyer firm are only 45-50%. That's why MBB don't bother help me to ask on the discount, instead asked me to deal directly with them. Initially I also think that officer are lazy, apparently I'm wrong. Like the first bank, I think he is marking the price up, giving "higher" discount and difference from that will enter his pocket.