is public bank have good package?

my property price = rm 234,682.40
90% loan = rm 211,214.16
got up to 40 years
BLR - 1.8 (blr = 5.95)
zero moving cost
lock in 5 years
flexi
reduce the principle if pay more <-----------need detail

the banker calculate my installment is rm 916 (including mrta up to 20 years)

is this ok? i hope everyone can give opinion about this.
and i heard public bank got many hidden charges.is it true?

thanks

how about the facilities to reduce the principle?
is it ZMC or Non-ZMC

anyone can give opinion about graduate home loan from OCBC?

phoeni_142

which bank offer that rate?
maybe the bank still not reduce the BLR to 5.95...