那一各贷款配套较好呢？

小糊涂

请教各位，小弟打算在马六甲买一件二手屋，买价：RM235000
但银行只估 RM220000...
以下是两间银行的offer,都是BLR-2.3%,Bank A is semi-flexi,Bank B is flexi，都是40年...
但我算来算去，价钱都有差。。。
请问大家的意见，那个比较好呢？

Bank A
Monthly installment from 1st year : RM 785
2nd year : RM 807
3rd year : RM 828
4th year : RM 851
5th year : RM 874
6th onward: RM 904
Total loan amt is RM 212521
Loan: RM 198000
MRTA : RM 8875
LVS : RM 5646

Bank B
Monthly Installment:RM872
Total loan amount : 208550
Loan:RM 198000
MRTA : RM5050(Only cover 30years else need to pay extra cash money RM3470 for another 10 years)
LVS : RM 5500