Hi, need some advises here.

All get 90% loan from prop 500k

Bank C*MB:
Full flexi
no lock in period
4.6% rate
tenure 35 years

Bank R*B:
Semi flexi
4.45% rate
tenure 35 years

Bank HL*:
Semi flexi
no lock in period
4.45% rate
tenure 33 years
withdrawal: RM50 per transaction


Which one is better? I thank for you input in advance!

FYI: all is islamic loan