As far as I know, RHB offers semi-flexi type, not the full-flexi feature as I've had 2 housing loan with them (due to decent rates).

They did however managed to waive my RM50 per withdrawal fees on my 2nd loan.

My package in summary was:
- BLR-2.50
- No MRTA/MLTA committed
- No credit card
- No lock in (project)
- DIBS
- Semi Flexi
- Conventional

I've also learned that you should be cautious if they are not from the anchor bank itself like those mortgage consultants or wherever they claim to be. Then again bankers also tend to mislead to close sales and bad mouth other banks, therefore it is up to you to decide who are the honest ones out there.

From my information gathered, here is a rough breakdown of loan types:

Full Flexi Loan
- Usually have a maintenance fees of RM10 per month
- Able to withdraw or deposit at will (don't drawdown more than you deposit if not a certain interest will be charged)
- Given a chequebook, online account, ATM card if needed
- Daily rest
- Usually have only 1 concurrent account therefore no transfer is needed to offset the other account
- Similar to a current account

Semi Flexi Loan
- No charges imposed however each time you decide to withdraw they will charge RM50
- A minimum of multiples of RM1000 to deposit or withdraw (means you cant deposit or withdraw any amount that you like ex: RM1000 or RM2000 or etc.)
- Over the counter, which means for your own money deposited, you may have to go through an approval for your own money to be withdrawn (wtf right.. its my money!)
- Usually its a saving account type

Both also allows you to do principal reduction but upon doing so, you no longer can withdraw that money out should you require it.

However both type of loans enables you to save interest if you deposit additional money on top of your usual installment.

So if those relatively new to loans and have more stringent cash flow then you should just opt for a basic loan type.

Its an under construction project, therefore at that point of time, they had the best rates compared to all other banks. Normally in under construction projects they will have a board rate usually benchmark by loan size. Sub sales rates usually is depending on loan sizes and your credit portfolio.

I fulfilled their criteria to get BLR-2.50% with DIBS. They usually give out really good rates on high grade developers.