MRTA for 35 years, RM330,000. Estimated single premium is RM12,097.80

If you chose to include the MRTA premium into your housing loan, the single premium will be RM12,558.00

Financed vs Non-financed Loan Installment
Financed is RM1,610.59 monthly
Non-financed is RM1,551.54 monthly

Differences of RM59.05 monthly.

Yes you are right! Protection comes first. While the RM12k money if available, can choose to put into investments which conservatively yield 5-7% returns yearly, slightly higher than the 4.4% interest rates from housing loan.

Hi mafa2801, the most common investment in Malaysia is Unit Trust which gives instant diversification of risk by not putting all eggs into one basket. The 5-7% was not guaranteed and it's only based on general assumptions and historical records. All in all, by identifying your risk profile level and investment objectives is of utmost importance before investing into any type of investments. Good luck!