What is your current package ? Which bank ? How long already ? Any penalty ?

1) Location/Area of your house. Nowadays banks don't simply offer home loans. They look at area.

2) Amount you planning to loan ? This will affect the moving cost. e.g. lawyer fees, penalty, if any etc.

3) What type of payee are you ?
(a) Pay minimum every month.

(b) Have extra >RM300 to top up frequently ?
(b)(i) Will you withdraw to renovate house, wedding, etc. ?
(b)(ii) No. Put in there, for permanent.

4) What is your plan on how long to pay it off ?
e.g. Loan 30 yrs, but wish & plan to pay off in 12-15 yrs.

5) Do you prefer fixed, Islamic or variable BLR rate ? Will you be affected if BLR raised to >8% when inflation comes ?