Maybank uses very vague term to confuse customers instead of full flexi and semi flexi.

Term loan is called semi flexi by Maybank. There is another loan package called flexi which is full flexi.

I got cheated by the loan officer last time, she told me all home loan are full flexi but gave me term loan.

Luckily, she got kicked out from Maybank after I complained about her.

Yes, it will reduce interest if you have excess. But everytime you withdraw you are charged rm25 plus GST.

Boss, I would say term loan is a general terminology used and whether semi flexi / full flexi / no flexi is the features of the product.

On the last para - from my observations and experience seems  more and more sales personnel from the financial institutions getting less professional and some even worst with bad attitude.

HNWI gets RM which are usually young, pretty and very free to entertain your questions.

Poor people like me gets grumpy bankers who just want to process your file and move on.

That's the difference lor.

Come, move to my RM.

Pretty, single but not so available.

Manage to get another loan approved as well under her.

2 days time lagi.

Used to be tied with Tiger bank but they have been giving me shit since earlier this year. Refused to give me 90% zzz