Unless you plan to withdraw money all the time, no point part for the monthly fee.

For MBB semi flexi we can also transfer money to my existing current account on line. Not really that inconvenience.

Moreover in your case you need to take good care of your ATM, it can withdraw money from this flexi account! 🤭

Full flexi is suitable for people that will move money in and out often (eg business people). In our case we do not see we withdraw often so we opted for the semi. There is a fee when you withdraw but I can't remember how much. Good things about semi flexi is no monthly fee.  So if you think you only withdraw once a year the fee is much cheaper than paying monthly maintenance fee of RM10!

Only you can answer that question. Full flexi theoretically sounds good but unless you can get the monthly fee waived the semi flexi makes more sense especially you do not plan to withdraw often. I assume you won't withdraw RM100 from your loan right? 🤣

I see..

By the way just sharing my thoughts;

At the moment I would go for full flexi in my case.
I think the calculation is not that simple... I'll try to give a scenario below as an example:

salary on 25th;
commitments such as car loan, credit cards, phone/electricity, or 1st house etc due on 15th.

with full flexi I can dump all amount to earn 20days interest of example 3k monthly

with semi flexi I can only dump the amount which I think I will not need (to avoid withdrawal charge)

Well, I think I'll be less restricted and less thinking/consideration with full flexi with my spending.

this is just my personal opinion : )

Hi all. This is my first house and my first mortgage loan so all knowledge is really appreciated.

Ayam just submitted loan for maybank, Ayam want to apply islamic.
My question is, upon confirmation and approval next week, what ayam need to know other than the loan rate?

- Full flexi, semi flexi? Based on here i saw semi flexi is better. Is it true?
- No MRTA, have MRTA?
- Have monthly fee or not?

What else do ayam need to ask to the banker?

Appreciate all of your help and response. Thank you.

If you have a way for calculation, please share ya~
Hmm... 25% loan.... that's a very nice house worth more than 1m ~

Any more benefits and discount for first house buyer this year?

Thank you for the response.

normally full flex will have monthly fee while semi flex no but once you withdraw from semi flex will need certain fees (to choose which one depends if you will withdraw the money you put in the account frequently or not)
>> What do you mean by withdraw? Why do i need to withdraw the money? Since this is a loan so i should pay, not withdraw, correct?
Sorry for my stupididty but i dont understand that withdraw and current account etc all that. Please help to explain 

-any capped interest
>> So capped interest is different from the loan rate interest itself? what is the ususal cap interest and how does it calculated?

The last part, it is only entitle for commercial title apartment?

Thank you very much! Best wishes to you and your family too : )
We are also ended up getting a bigger house than our initial planning.
By the way, anyone know if any full flexi without capping?
So far I applied Standard Chartered and there is cap 70% and monthly rm10.

Just wondering what happen to the 30%, hope some sifus or expert can help to clarify

Have a nice day!

Check this out guys, http://mapex.com.my/hoc2019/

Developer need to register first in order for buyer to entitle

to those who are in the midst of considering loan packages from banks; have you confirmed with bankers on your eligibility of stamp duty waiver under House Ownership Campaign (HOC)?

i asked my banker. she said no official memo yet. so still need to pay. we are going into April and this so called campaign which should run up only until end of June, has not yet make it to developers or banks.

if the project not register under HOC need to pay both MOT and loan agreement fee?
Agent said this project not under MOT so need to pay MOT but free stamping loan agreement,got this possible?

Yes , this is my first house but above 300k, and Agent mentioned package for this project is free all SPA and loan agreement fee but excluding MOT.

I am not a lawyer but as much as I can recall, the MOT will be part of the documents that the banks would have to present to the bank before disbursement

No MOT stamping done, lawyer cannot advise bank to release payment.

hi im buying auction property now stanchart , cimb alrdy approve but cimb is higher rate and lock in perioud, stanchart is good rate, but alot say then stanchart is disbursement is very slow and might be late, any sifu can give advise?

this is what i am thinking off. means paying off more principle earlier is better, reduce more interest charged, right?

the other guy ask me to invest the money rather than pay off more principle, but this will end up with high interest payment, low principle payment, then forever paying for high interest lo, principle dont move....