Malaysia Property

Buying my first house, need help on loan

Hi,

I will be purchasing my first home....currently i am looking at this apartment call Villamas in Puchong ....partial furnish@1157sqf ....the owner is letting it go for Rm185k

most probably i will be going for 150k loan ...need some advise on bank loan as i have not done any research on bank loan yet ....i plan to do a Graduated payment scheme (i dont know if thats how you call it).....i was told that this scheme starts off with lower payment rates and gradually increase later on ...i am hoping to take up a 15 years loan ....what bank do you guys suggest ?

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