Both share the same daily interest calculation, but full flexi will charge rm10 as arrest fee for every month but semi dont have. Any extra money put in full flexi will automatically offset the interest based on remaining principle amount. But for semi, you have to called up bank to transfer any of your extra money in saving acc to you loan acc so that interest can be re-calculate. Withdrawal for Full flexi is easy and immediate, but semi flexi, you have to call up bank again to transfer out which you have to wait certain days and certain minimum amount. Overall, they are the same, just the RM 10 every month differentiate them. Rule of thumb, choose full flexi for one loan and remaining loans to be semi flexi.

someone never took a semi flexi loan before thought need to click to pay or make standing instruction. Its also auto revert. know nothing but put disclaimer to advise, great.