Personally, if I were to choose between MRTA / MLTA for my property, I choose MLTA.

1) MLTA = gets back whatever I pay at the end of the period

2) The interest (supposedly earn) from the payment, I consider it as premium to buy the insurance protecting the house and me.

3) based on the 100k loan example in TS first post, I would prefer to get 100k coverage no matter which installment year I am in.

4) No doubt, paying rm61 x 12 mth x 30 yrs = rm21,960 which is much higher than MRTA 2k+. But I get back full 21k at the end.