Rhb is automatically applied. We have to opt out ourselves. And that's the answer (my previous post) I received when i ask the staff at branch. My online bank account doesn't say anything.

can i know like whats good for taking full?
as the amount for premium also quite alot

Consider two situations:-
A - I apply loan for a lower percentage (let's say 500k).
B - I apply loan for the full 90% (meaning my loan amount 1 million) and then deposit 500k and leave it in the current account linked to the full flexi loan.

In both situations - would the amount I owe and interest I have to pay be more, the same, or less in A or B case? Or is this question missing some details meaning it cannot be reasonably answered?

This is not quite true. At most, higher loan amounts than RM500k can get a savings of 0.05% on the rate, and usually none. If you compare RM200k loan with RM1mil loan, what you say might hold true, but not when comparing RM500k with RM1mil.

Sifus, seek your opinions and expertise.

Am applying for housing loan and agent is looking at RHB, MBB and PBB.

RHB and MBB is the full flexi loans whereby you put in additional money, it'll reduce your monthly payment by reducing the interest amount. Tenure of loan doesn't change.

PBB-i semi flexi loan is different, whereby even if you put in more money, the monthly installment doesn't change, but more of the monthly payment will be towards reducing principal. Hence, tenure will reduce and overall you save interest also la. Was told withdrawal of the extra funds is possible, without any charges.

I am on the fence here. Whilst PBB interest rate might be lower 0.05%, but I suspect I'd like the flexibility where the monthly installment will be reduced if I put in additional money. (Re)withdrawing the additional money I assume is easy and is free for all the loan above.

What are your thoughts ? Which will you choose ?