Hi, I am Koo,I for Maybank,i doing Mortgage and Mlta also,if u free and u from Kl or selangor,we can arrange a date for us to meet so i can explian all to u,is really hard to explian in here coz this really very depend on ur payment attitude and ur future's planning also,and not saying that we meet and u must take from me but atleast u get the whole picture of it.no hard feeling,if u interested do call me 0172717333 thanks