Bro for ur SEC can ask which bank u using? ECW only uses local banks I heard SCB is the cheapest in market n no need lock down period?
yo bro i used OCBC (taman molek officer serviced me.) cos they were the ones which the most fuss free.. MB the most leceh one, got this that, must buy MRTA la etc etc. RHB the banker never even come back to me. public bank, officer seem very professional but their office ask a lot of question, interview me two time, by the time i oradi fed up signed with OCBC.
these days i heard banks are more careful on lending. No lock down period? wow, that's new. my OCBC 2 / 3 year lock (can't remember exactly).
don't regret once buy the house! spring is nice. if you want to imagine how it will look / feel like, try make a trip to setia eco park in shah alam if u r in KL anytime.