Dear all,

I am planning to take a 35 year loan for RM 600k but from my estimate I can pay it off fully in 20 years. Because of this I am looking at flexi and semi-flexi loan. I hope someone can share their input -

(a) assuming the interest rate for a conventional flexi loan and the profit rate for islamic flexi loan is the same, is it better to choose the islamic loan? Since there will be rebate (Ibra) for early repayment.

(b) when deciding on which loan to take, what else should i be looking at beside the interest/profit rate.

© for a flexi loan at 4% interest rate, if i have 200k, would it better to invest the 200k at 6% returns compared to putting the 200k into the current account to reduce the principal?