Bank rate & profit rate all these wayang only.

The only thing that matter is your effective interest rate

So, any answer for this question?

No difference, same. Look at the MRTA / MLTA which one is cheaper then.

Also the loan contract have different fees and charges. In my opinion Maybank is the best. Public bank will penalty u a lot if u pay late even one month.

Hmm..if given rate like
MBB BR1.75, rate 3.05% can try appeal to 2.95%
RHB BR 2.5 rate 3
HLB BR 2.63 rate 2.95% No MRTA needed
SC BR 2.27 rate 2.9% No MRTA needed

Which one will be best pick ya?

SC 2.9% no MRTA

Which Banks hate to disclose most of the time as their profit takes a hit

Always go for lowest interest rate, when in doubt, saves the most money in the long run. But read the fine print la, like early settlement fees, lock in period etc.

SC is standard chartered?

Hope will reduce further