EON bank u will hav a big headache when come to their ZEC package and Penalty charges.

For EON bank their ZEC cost just cover 1.5% of the loan amount. E.G ur loan amount 200k x 1.5% = rm3k so means they cover up to rm3k legal cost . So anything more than that amount customer hav to bear by themselves. From what i have know their ZEC always need customer to cover portion of it.
Ok when come to the refinancing , if refinance under lock-in period, like other banks do penalty 3%~5% based on principal amount, but PLS BEAR IN MIND that, what they are stated in letter offer is just the penalty, there are also other cost included for example customer hav to pay 3 months advance instalment , MRTA for whole loan tenure + penalty , so it will cost more than RM 10k + ( depends on ur loan amount ) , later on they will refund to u after u done for the refinancing but not sure when they will refund back to u . This is quoted from most of the EON Bank housing loan user.

Well this world is fair
they offer u sth good , in future they will take sth back from u too
Beware for those banks which offer BLR-2.2% blabla, Survey more on forums and comments from those people. Rates aint that important actually i rather goes for services eventhough the rates just 0.1 % different.

This post has been edited by sam0919: Mar 24 2009, 10:24 PM

Not sure how much of TS ' s loan amount.
If 100k below CIMB is the best i can say =D