How is the service of BSN? Anyone has any experience with their services can comment? etc loan approval, payment , lawyers, delays??

Residential property
Loan>300K
Tenure 300 mths

Bank OC
BLR-2.3

Bank Tiger
1-3 years, 4.4%
Thereafter BLR-2.2(loan officer unable to offer -2.3, even without fix rate)


Bank O
Pro
Rate good
No need MRTA or MLTA
Internet Banking
prepayment

Con
Valuation cost neeeded
Few Branch
Withdrawal 3 days notice
Not familiar with.
Need to transfer salary fr tiger to OC, Rm2/transaction (RM600 for 300mths)

Bank Tige
Pro
Claimed by officer excellent internet banking facilities
Can make prepayment, withdrawal online
Salary account

Con
No so good rate
Need MRTA or MLTA


If based on rate definately bank O lah, on convenience and practicality would be tige. But BLR-2.2 would result in me losing additional RM6K in interest, converted in RM20/mth for internet convenience is not in my mind.

However a very concern on Bank O 's clause:

"The monthly installment may be higher than the amount stated in this letter of offer if BLR and/or the margin of interest increase during the tenure of this facilities"

Anyone has experience with bank O increasing their installment due to BLR or margin of interest? or every bank has the clause ? appreciate with any advice. thks