Signing the loan agreement

I was on half day leave to pick up Irdina from UPSR exam. I went to Puchong frist at 2.00 to sign the loan agreement.

There are 2 types of documents I need to sign:

1. Deed of covenant
2. Loan Agreement

Tip from the lawyer
If you have cash, use it to reduce your loan. Make sure call your bank to inform you're depositing money into the loan account and ask to revise the interest rate.