Starts from the date you sign the SPA.

Yes correct.

Full flexi loans and semi-flexi loans are both types of home loans that allow borrowers to make extra payments on their loan, which can help them save on interest costs and pay off their loan faster. The key difference between the two is how the extra payments are applied:
Full flexi loans: With a full flexi loan, any extra payments you make are credited immediately towards paying down your loan principal. This can help you save on interest costs over the long term, as you'll be paying interest only on the reduced loan balance.

Semi-flexi loans: With a semi-flexi loan, any extra payments you make are placed in a separate account called a "flexi account." The extra funds in the flexi account can be used to reduce your loan principal and/or to pay your monthly loan instalments. This can provide you with some flexibility in managing your cash flow, as you can withdraw funds from the flexi account if needed.

In summary, full flexi loans give you more control over how you use your extra payments, while semi-flexi loans provide more flexibility in managing your cash flow.

Refinancing your home loan can be a good way to save on interest costs if you can find a lower interest rate or better loan terms. Here are some steps you can take to explore your refinancing options:
Shop around: Look for other lenders that offer home loans with lower interest rates and better terms. You can use online comparison tools or work with a mortgage broker to help you find the best deals.

Calculate the costs: Keep in mind that refinancing can come with some upfront costs, such as application fees, appraisal fees, and legal fees. Make sure you calculate the total costs of refinancing and compare them with the potential savings on your monthly repayments.

Consider your goals: Think about your long-term financial goals and whether refinancing fits into those goals. For example, if you're looking to pay off your loan faster, you may want to consider a shorter loan term or a full flexi loan that allows you to make extra payments without penalty.

Apply for refinancing: Once you've identified a lender and loan that meets your needs, you can apply for refinancing. This typically involves submitting an application and supporting documentation, such as proof of income and property valuation.

I hope this helps! Let me know if you have any other questions.

Up to 90%

It is within your affordability?

share the detail of the loan for an accurate calculation.

What's the tenure?

On full disbursement.

Then you will need to go to the branch to transact. Typically, banks do not allow pre-payment for progressive interest.

You can cancel anytime. Validity is about 1 month

You can't really "checK" as different banks have different ways to evaluate your credit profile. Bankers can only give you their "lowest" but you may not necessary get it due to your profile.

Since loan is calculated on a daily rest, the earlier you put in your money, the more interest you save on.

Depends on your Property location and other factors.

5 to 7

There are some bad advisors out there. I myself is providing such service but that's what I recommend for my client to do.

Yes banks will consider the guarantor portion as commitment.

yeap, she'll be a chargor.

Nope

Depends on you if you got the money to pay all of it otherwise you can take it as a loan to pay for it.