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IO is available. (Last took a loan in 2011 and I am not a banker) Think it was in one of the clauses, interest only period for change in financial circumstances etc

You usually deal directly with the banks in Malaysia, each bank will have their team of mortgage lenders/ advisors. Generally, expats will stay with international banks i.e. HSBC, Citibank Locals will usually go with the local banks i.e. CIMB or Maybank If it's purely rates, then local...