always take flexi whenever possible... RM10 a month is nothing compared to the flexibility you get...

1. no need to click or standing instruction to pay the monthly installment
2. RM10 @ 4.2% p.a., you only need RM3000 and it is already equivalent to RM10 interest. (RM3000 x 4.2% / 12 = RM10.50)
3. All the EPF withdrawal, bonus, "under table money"  , angpow money, MBf (Mak Bapak finance) etc... can dump in and use later.
4. Annual increment - your pay won't stay stagnant for 30 years right?
5. Withdraw only what you need for the next 3-5 days.. no point keeping so much money in wallet, keep it in the loan acc... it saves you interest! Pay your credit card and other bills (if they don't charge interest, pay later) only on the due dates.

with this, your loan tenure will be shorten to half.

*** Disclaimer ***
The above statement is only an advise, it is the writer's personal opinion only.
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