Lol.. currently the bursa market is up for the moment, so? Share market always volatile one, so you got go holland or not?

full flexi for me...

Still got anyone taking term loan nowadays?

I presume if don't have cash in hand, better take the semi flexi, what's the advantage of term loan anyway?

I go for semi-flexi. My shallow knowledge indicate me that there is no big different.

The only different should be monthly/yearly maintenance fees and come with a cheque book for full flexi

Other diff will be the flexibility in withdrawing your excess payments and the restriction in making excess payment to knock off your loan principal to reduce the interest.

My maybank semi-flexi allow doing so too

Can share the method used for withdrawing the excess money? Any charge incurred for withdrawal?

Few months back when I applied loan, I knew that RHB semi-flexi need to do the withdrawal over the counter. So Maybank seems more flexible allowing withdrawal through online banking transaction?

Maybank conventional loan can withdraw online, charge RM25.

Maybank Islamic needs to withdraw over the counter, same charge.

Yes, maybank allow excess withdrawal through maybank2u online application. The clause is the loan account holder and saving account is the same person. Otherwise, has to be done across counter.

Thanks Jen, any limit on the online transaction? For safety purpose, we normally set a limit on the daily withdrawal, right?

Full flexi pay RM 10/month, RM 120 per year, which is about 5 withdrawals per year for semi-flexi. Personally I still prefer more on full flexi.

Taiko, just put in simple points:-

1.there will be charge of RM25 everytime you withdraw excess money
2. Withdraw shall be in multiple of 1 thousands
3. Withdraw can be done via maybank2u
4. Withdraw is immediate effect
5. I was not informed there is any limitation for withdraw(please correct me if I'm wrong)
6. We don't have current account and cheque book which link with the loan account
7. For sure..... I save RM120 a year, hehehe

No. 5
The limit is excess amount you have paid to the loan account. Ie if you pay 50k excess, then the max amount that can be withdrawn is 50k..

Yes, if you don't withdraw you will not be charged at all.

guys one of my maybank officer cum friend got offer loan more than 500k and above refinance from CIMB & RHB can get upto -2.50 BLR with free legal fees and free valuation 9zero moving cost) or BLR -2.60 with self finance legal fees and valuation fee (non zero moving cost)

T&C

That is a good deal.

But what tnc imposed?

Sam gor, you can refinance already.

Hehe, thanks to Lion King and mtdavedeli for the good answers!

TNC
Base -2.5 with zero moving costs got lock in period
Base -2.6 no lock in period

i also dunno about the T&C, but good another options available.. surely there are maybank officers around.. happy buying

If blr is 6.60-2.60= 4.00%?!!