yes. MLTA is life insurance. MITA is the same with MLTA. Just insurance company use to differentiate with MRTA. M Reducing TA vs M Increasing TA.

MITA will get higher coverage at the end. cos the value will grow (like life insurance). but u have to pay premium abt 180-200 per month for 250k coverage lor.

This is my comment last time.

MRTA - The Protection value will reduce based on year. The Protection is tied to House, not to the Owner. When you refinance or let go the house, all premium that you paid will be burned.

MITA - Life insurance from Insurance Company. Protection will increase and is bonded to Owner. You can also pay additional for investment link. When you refinance or let go the house, the policy is still running. If you would like to have higher protection, you can top up anytime.

For my case, my protection of 150k cost me RM150 per month. Every complete year, my protection will grow 1%. If I would like to top up to 250k, for my case, the additional premium is about RM50-80 per month. A portion will grow as saving (1st Advantage). It covers death, disability and critical illness (2nd Advantage). Every complete year, it will grow 1% (3rd Advantage). After 5 yrs will break event (4th Advantage). Every half yr will receive a statement on the growing of the savings.

Hope the info helps.

73.9% so specific? ..

let said if i already sign S&P and settle the 10% payment. suddenly bank loan rejected, mean developer will sapu my 10% payment as well?

Just receive a message from loan broker, BLR will go down again. and banker will review the package again... dun know whether is positive or negative review..

seem rhb offered best rate so far (ZEC -2.2). need to go through their T&C..

Hi, Just wanna know whether the carpark price is included in your loan? Pbb excluded the carpark RM25k for me. Do you try for OCBC bank as well? The agent told me -2.10/-2.15 with 36yrs loan tenure period.

rhb quoted me 5 yrs from the first drawdown (dunno whether it applies to everyone or only the group package) whereas EON is 6 yrs from final drawdown (i tink...correct me if i'm wrong). dint apply to ocbc so tak tau...perhaps another forumner might wanna enlighten us?

do bear in mind however, that not everyone will get the best rates as quoted in the forum (eg RHB won't give -2.2 to everyone, ocbc -2.25, etc). it varies on alot of factors, such as ur credit history in CCRIS, age, salary, yrs of working exp, current loan commitments, etc.