Try shop around for other banks. Sometimes banks give higher rate due to credit scoring, too "clean" profile, house lower value, and etc reasons.
The reason you mentioned, not under strata title, meaning? It is still under master title not yet sub divided?

Are you able to take conventional loan?

Yes, subsale, entitled to waive off your stamp duty. In sarawak's practice, buyer and seller share 50/50 on legal and MOT fees.


This post has been edited by Michaelbyz23: Aug 4 2022, 11:14 AM

No worries. If that's the case, PB is the best option now. My personal experience (so far have had a few loans with PBB), they are the lowest. But you need to build your profile with them over the years. Once you are able to take another loan with them, you can negotiate your interest in the future purchase.