Hi property experts, need help. I have 2 loan options offered by different banks. Which one would you recommend to go for and why?

Option 1:
Loan amount:720,000 (0 downpayment)
Rate: 3.05%
Acc type: Full Flexi

Option 2:
Loan amount:706,324(need 5,851 for downpayment)
Rate:2.95%
Acc type: Semi Flexi