How its can be same?

Ocbc if u make payment extra, lets say rm 1.5k instead original monthly payment rm 1200.the extra rm 300 will treated as a advance payment. Yes, its will save the interest since the loan calculated on daily basis. But its never minus the principal. Its only reduced the interest for the  next payment.

For cimb full flexi, the same scnerio, the rm 300 extra payment will directly minus the principal amount . So, the interest will calculated on the update principal amount. Thus the interest will saving more.

The fully flexi is never same with semi flexi loan (which is actually term loan but with prepayment and withdraw facilities).

If my understanding wrong, pls let me know.