What are some of the factors when choosing a home loan?

Hi TS @nisyaa, i think most of the important factors has been mentioned here.

But i would like to highlight for the nature of the loan. Conventional or Islamic. Although Islamic loan seem to be more attractive due to its lock in period, however the hidden cost you might occur in the future will relatively higher compare to conventional.

@alexlau_access 

What hidden cost are you talking about? 

Islamic loan appears to be a trap. 

reduce usage on credit card also to have lower DSR on yr application

@sultana good sharing