Went to CIMB bank just now, for 70K LA with 11yr tenure:
MRTA is around RM 800
MLTA is around RM 1550

both if not include in the LA it will be slightly (RM 20-50) cheaper. But what i dont understand is that MLTA is said to be payable in monthly/yearly basis (from the previous few replies). Is it advisable if i paid it in lumpsum in the beginning, or i can neg with bank to pay it in installment basis? and if i paid in lumpsum and i manage to settle my loan earlier, will i get discount or more interest?