hi there...
standard chartered's rate so low meh? check their website, didnt say anything... just saw an example, all > 6.5%
havent got any time to visit them yet
public bank rate not attractive at all... many people said PBB charge everything slightly higher than other bank. My friend working in banking field also said the same... so far the best i know is CIMB
cannot leh... the purchase amount is less than 100K, cannot change liao... owner dont want to markup the price...
read the page, sure they will only talk about their benefit. I'm trying to get something simple and direct. That's why i go straight away to the most competitive rate. The facilities, are my second option... coz i'm trying to go for fast settlement (if can la) heheh... maybe next time when i get a bigger amount with longer term, then i'll find a loan with good facilities, etc... 

i just came back from CIMB... The personnel told me:

fixed loan: i got my monthly installment amount. Extra payment can be made, but i re-use it back once it is put into the account. And it will reduce the principle, hence the interest will also be lower

flexi loan: same monthly installment amount, plus a current account. Extra payment can be made and withdraw anytime. But the extra payment will only help to reduce the interest, instead of the principle directly, hence it wont help so much in saving the total amount i paid.

is that right? suddenly i was lost... anybody can help?

sound like standard chartered bank does have a very competitive rate... Errie, which branch are you from? avg how long it takes to approve the loan leh from stand chard?