Hi muscaa,
I'm planning to buy my first house in Puchong. The developer indeed have their own panel bank list, however after doing some research and comparisons, Maybank seems to be offering the most attractive rates so far with NZEC Package 1st year 2.88% and then whole tenure BLR-2.2% which is similiar to your package but you manage to get better BLR-2.3% as mentioned. At this point, covering the legal fees on my own is not an issue.

My OCBC ZEC Loan has already been approved as well. They are currently offering me ZEC Rate of BLR -2.05% for entire 40 years tenure during their so-called promotion period. But looking at it from the different point of view, I would prefer sticking to something where I can save more in the long run in term of rates since this is all dependent on the current non-fixed BLR rates and I am confident in being able to settle it off earlier without much clauses involved.

Currently my mind is set on Maybank, but just wanting to negotiate further on getting the BLR -2.3% rates which would be great. Any advise would be much appreciated.

Thanks!

i'm very doubtful how 'flexi' is those flexi account like. The only flexi account i would probably recommend is nova scotia