u can take 9 years loan and settle it within less than that..interest will then be calculated again as the monthly installments is paid..
many buyers did that and they are contented with it

As far as I know, the you can save only some interest.

Example:

If you take RM50k for 5 years, with 3% interest.

in the 5th year, you want to settle, assume the balance is RM 10k, so you can only save 3% from RM 10k interest which is RM 300 is not alot compare to your RM 1500 annual interest amount.
Infact the 3% is not a low interest. At the 5th years,  assume your balance is RM 10k, but the annual interest is RM 1.5k (base on RM50k, 3%, 5 yrs). So 1500/10000 = 0.15 = 15% for the final years interest. SO the 3% is only for the 1st years.

SO, try not to get loan for long period of time.