MRTA vs MLTA vs MRTT vs MLTT: What Malaysian Home Buyers Need to Know Before Taking a Home Loan Written by Casey Low Property Consultant | Affordable Housing Specialist 15+ Years of Experience in Residensi Wilayah (RUMAWIP), Rumah Selangor (LPHS) & Affordable Housing Published: 26 Aug 2026 If you are applying for a home loan for the first time, you may suddenly come across terms like MRTA, MLTA, MRTT and MLTT. Which one is compulsory? Which one is cheaper? Can it be included