Which bank better based on your experience ? in terms of interest rate, flexibility, etc

I check RinggitPlus rank Maybank and Public pretty high, in terms of favourable interest rates

I book property from Ideal Property Group, their recommended bankers are from CIMB, HongLeong, UOB but I do quick check on Ringgit Plus, seems like interest pretty high

I think they gonna send me a CIMB bank banker since my main bank acc is CIMB. First time Home buyer, what to look out for ?

This post has been edited by MKCL: Nov 8 2022, 11:35 AM

now is this rate i think:

https://www.iproperty.com.my/guides/latest-...aysia-faq-26047

yes, I was thinking between Venice vs Havana but end up with Venice, location is central to everything

Havana- Tandem Carpark, 408k, 850 +50 sq ft

Venice - 2 carpark, 478k, 850 + 100 sq Ft

I actually prefer Havana at first, I heard Venice at Greenlane then got my own traffic nightmare flashback and didnt care to learn more

I work at elite avenue so Havana at Sg Tiram is accessible, and close to airport, for me is good and cheap. house value 423k but agent can give 408k with tandem, so with 380k loan, only need to pay 27k deposit. Sounds good at first

But another agent group convince me that Venice at Island Glades is central to everything, surrounded by high value properties, they high value got reason, the location so flexible, want to rent out also got more choice. and 2 carpark is definitely worth it. They say Havana launch 2 years havent sell finish compare to Venice launch this yr but ady full until waiting list, think which value is higher and why people choose one over another

Quick question: do banks accept reject loan based on your CC spending amount and bank statement last 3 months ?


I always transfer out my money for investment or money market parking, so my bank acc always minimum fund as possible and my CC Bill last 2 months spending very high, But I almost always pay on time (at most late 1 day) so near perfect CTOS score for car loan and CC bill payment

the panel banks they selected for me is UOB, CIMB and Hong Leong

hmm, i think same same only

panel banks may give different rates than the one you see online ?

HLB give good offer, SBR/ OPR + 1.05, Full Flexi Rm10 monthly, RM200 setup one time