I would go for variable rates because current economic situation, BNM wont increase any rate at this moment. BNM is lowering the rates so more ppl can borrow, spend & boost the economy.

---

Added on March 17, 2009, 5:28 pmLets say if BNM increase the rate, we can switch back to fixed rate if fixed rate is more favorable.

This post has been edited by Error404: Mar 17 2009, 05:28 PM