Zero moving cost mean bank help you pay for the legal fees and valuation fees. Besides this fees, there also got some extra fees that you need to bear for example loan account maintainace fees like RM 10 per month for flexi loan, fire insurance, ATM card fees.

Besides than the fees charge, you also may standby time for valuer to visit your home for inspection and also visit to lawyer firm to sign the loan agreement.

Compare the CC cash out, just perform verification then maybe on next day you can receive the fund and you can straight away use the fund.

That is why I mention CC cash out is the best option for your scenario.

good luck ya.

Glad to hear that you got good offer from the bank.