Sifus i need help.

So am applying for a housing loan and am applying with 3 banks, A, B, C.

Bank A already approved with 3.15%

Then Bank B approved with 3.3% but banker is promising that he can appeal to 2.95% or 3%. Banker said he conlanfirm can get me 3% at the least.

Bank A chasing me to sign LO (fortunately under quarantine now so can buy time), so i told them about Bank B offer.

Now Bank A offering to appeal to 3.05% if I guarantee to accept their loan offer.

Bank C has all this info and will make a decision later today but banker said the offer rate is most likely around 3%

What do I do?

Do i hold out for Bank B?

Or do I take Bank A offer?

Developer is dangling rebates if I sign SPA by month end, so extra pressure there too.
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Some extra details

Bank B offer
2.95 ( 2.75 BR + 0.2)

Bank A offer
3.05 ( 2.56 BR + 0.49)

What is there to ask? Just get the best offer lah....

put it in black and white before i even consider which to take, dun salesman talk without b&w

which bank can give black & white offer letter with a rate 3.0%or even 3.05%, just take it la...good rate already...

Dunno if sifus can tell but I am not the best negotiator.

So my concern is that I tell Bank A to go ahead and appeal, but in the end reject if Bank B offer comes through.

Makes me feel very guilty lol.

Based on ur statements, isn't Bank B is conlanfirm offering u best rate at 3.0%? Why still wait A that can only offer 3.05% or C that say around 3%?
Anyhow... U can verbally 'accept' and only officially go sign the best one after your quarantine, no need feel bad as this is a normal consumer market/attitude.
I say this coz i does similar work, used to be rejected later despite client earlier on agreed.

I was afraid the banker too cocksure and couldn't deliver

but looks like he pulled through.

and its comforting to know that rejection is not a big issue to bankers