Thanks for your feedback guys..

Actually only CIMB valuer can mark up the house to RM420k while other banks valuate it around RM330-350k..currently the owner want to sell it at RM380k..I want bank loan of RM380k and save my cash in case of emergency..no worries much about the installment cause already got tenant (nursery)..I only need to add RM300-400/month and can increase the rent in the future..

CIMB said NZEC is 3.5% and ZEC is 3.7%..Need to confirm back from them how much BLR-x.x% they give me..if I can nego to 2% or more, that would be a bonus for me..

Any advice (positive,negative) from u guys is much appreciated..
Thanks!!

i was offered loan with PBB and SCB.

when i read PBB's clause, they really "kiasi" put in a lot of clause to protect themself, and i feel very uncomfortable although i was offered BLR - 2.3% for entire tenure. my PBB banker told me, if you think that your bank has "unfairly" raised the interest, and you feel that you are "cheated" you can bring this case to Bank Negara who will "fight" on your behalf. anyway, I signed up with them

for SCB it's totally different, i felt very comfortable with the clause, cause don't have all these "variation clause" but i didn't choose their Flexi loan becoz of i don't need the Flexibility to withdraw. for normal people like me who don't do business, flexi is very "harmful". for me if i put in money to settle the loan, i prefer the money to sit in there rather than take in an out, coz i still have to settle the loan no matter what. not to mention i have to pay RM200 setup fees and RM10 monthly maintenance fee, which i could put back in the loan to lower my interest