must not have deviation more than 20% then probably can consider. Also depends on your industry
looks okay to loan

50%

1. For "full-flexi" account, usually there are no fees. For semi-flexi there should be about RM10 fees. This should be in the LO

2. There are a few types of flexi accounts. One is the hybrid term + OD, for this, if you pay into the principal (the OD), your installment should be reduced until the OD is fully paid off (but the OD account remains)

2b. For normal full/semi-flexi, no, the installments would remain the same; for full-flexi CIMB for example, the principal repayment is paid into your CA/SA that is linked to the mortgage, any money deposited made into the account is considered as principal payment and would reduce the loan balance, hence reducing the payable interests. But the installment remains the same

1. Depends if it's semi or full flexi facility

Semi Flexi
- Normally comes with withdrawal fee
- No need to maintain current account
- Will need to wait longer for your money to return back to your savings account
- No monthly fees
- Usually recommended for people who are not business owner 

Full Flexi
- Normally doesn't come with withdrawal fees
- Need to maintain current caccount
- Don't need to wait for your money to go back to your current account to make withdrawal
- Monthly fee to maintain your current account
- Usually recommended for people who runs a business as money comes in from businesses, it will save interest on the daily rest. And the business owner can use that money again a few days or weeks later for his business.

Any prepayment will help to reduce the interest incurred but your monthly repayment will remain the same.
again depends if it's full flexi or semi flexi

if it's full flexi, then you just have to park ur money in the CA will do, if its semi flexi you have to transfer from SA to ur home loan account.

1. Yeah, if the installment remains the same, and you have put money into the loan account (the CA/SA) or paid directly into the loan account as principal prepayment (for semi-flexi), the loan will be paid off earlier than scheduled.

2. That is right, the money parked into the CA/SA account would save you from being charged the 4.x% interests normally charged to your, for as long as the money is parked in there. This applies to full-flexi that has CA/SA linked to it like CIMB. MBB has a different setup, very difficult to answer without knowing your product type

3. You got it right yet again, people put money in FD because they want to earn interest, but saving from paying interest is similar to earning interest, so if your mortgage is 4.5%, and your FD is giving less than 4%, it makes sense to put money in your mortgage account

4. Careful about some full-flexi accounts though, it is not as simple as the list above. There are differences between different full-flexi products across the banks. Here's a short write-up regarding one of them:

Understanding the concept and calculation of interest capping which was adopted by some banks in Malaysia for their full-flexi mortgage products