Hi sifus, I would like to seek advice on which loan should I take.

Financing 90% - loan amount at 760k at tenure period 35 years.

1) PBB (semi flexi) meaning only 70% in current account money will be considered to offset loan interest.
1st year interest rate: 4.15%
2nd year onwards: 4.27%
MRTA: RM25,914.00

2)CIMB (full flexi) 100% will be considered in current account to offset loan interest.
Rate is 4.3% throughout the tenure.
MRTA: RM33,358.00

Factors would be that I am thinking to pay off loan quicker than 35 years but at the moment thinking which would benefits me more as PBB has lower interest overall and MRTA but only consider 70% whereas CIMB would be 100% but offers higher interest rate and MRTA.

Hoping someone can advice me in regards of my above stated situation. Thank you!

760k, which bank is that offering 4.15%? Full flexi?

Which bank is that?

Regardless, based on the above 2 situations. Any advice from you?