I am not sure if these are consider hidden cost, since they never say they are not charging you anything for processing, right? Unless, they do cheap sale and tell you they not gonna charge anything.
From your old loan, they probably finance in those extra fee into your loan too.

From you stmt, seems like you have selected semi flexi loan

Other fees...
- Legal Fee for LO and SPA
- Loan Agreement stamping (not just RM10)
- SPA stamping
- Valuation Fee
- Account opening fee, if there is any
- Annual Housing Insurance fee

This post has been edited by taitianhin: Sep 29 2023, 01:35 AM