Hi dear LYN forumers
I would like to ask for opinion because im stucked with 2mortgage loan offers and couldn’t make decisions on it

Both 35years term

MBB- 3.0+1.22= 4.22
MRTA 100k for 5years, premium RM 385
Loan total 343k, monthly installment Rm1568
Semi flexi loan

RHB- 3.75+0.45
MLTA 330k for 16years , premium RM 7100
Loan 350k, monthly installment Rm 1592
Fully flexi loan
*agent claimed rm0 withdrawal fee, no monthly fee, no set up fee*

Which one is better to choose, fully flexi or semi flexi?
Would appreciate if anyone can offer me some advice.. thank you sifus 🙇🏼‍♂️🙇🏼‍♂️

I requested for lowest insurance package in view of overspent
Plan to get external insurance that time and for comparison with rhb with full insured