The banks are very sneaky. You pay more interest than principal the first 1/3 of the loan duration and then slowly reduce. That's why first 10 years your principal don't reduce much.

They know majority investors will sell off property within this period so they already earn enough from your interest. That's how banks are legal loan sharks.

The standards are fixed by the banks. If they want to change it they can but they won't.

I'm saying they skew too much in the banks favor. You're paying around 90:10 interest vs principal during the first few years of the loan.

Many people have impression that housing loan is similar to hire purchase. The banks want profit but this is too greedy. If ah long do this everyone condemns but if banks then it is ok.

You mabuk ketum ke? Again, if they want to change it they can but they won't. No such thing as 'universal'.

I can't do shit because I don't have money to buy house in cash. You pandering to the banks like you own them.

Hey, it's legal ok. Got formula and stuff. Universal punya.