Hi all,

Please help me out here. Foreigner investing in JB property.

Type: 2 storey unit under construction; completion by this year
Cost: RM540K
Loan amount: 85% of property cost
Loan tenure: 20 years

So far, this is the loan package i've gotten from other agents -

1) BLR - 2.1% (Flexi)
2) 1.88% (Fixed for 1st year); Second year BLR - 2.0% (Fixed for rest of the loan tenure)
3) 4.99% (Fixed)

Can anyone please advice which package should I take up? If there are better ones out there, please kindly share with me.
Right now, I'm also stuck between taking Flexi or Fixed loan. The fixed loan may seem higher right now than Flexi, but I believe that the BLR will rise in no time within the next few years and it might end up being higher than the fixed %?

Can anyone help and advice? You may contact me directly at desireeyeo86@gmail.com. Thanks!