Went to maybank, they gave some offer:

> RM250K loan
without Z.E.C. 2.38% (1st year), BLR-2.20% (thereafter)
with Z.E.C. 3.38% (1st year), BLR-2.00% (thereafter)

< RM250K loan
without Z.E.C. 2.38% (1st year), BLR-1.90% (thereafter)
with Z.E.C. 3.38% (1st year), BLR-1.70% (thereafter)

where Z.E.C. = Zero Entry Cost Promotion where bank will handle
-Processing Fee
-Legal Fees
-Disbursement Fee (up to 20K)

I'm planning to get something around RM280K, but I could pay RM100K up front, which
means I could just get a loan for 180K. Is this wise?

Should I get the Z.E.C or better to just get the non Z.E.C and hire some other party to deal with that. By they way what's Disbursement Fee?