hi there, I am buying my first house and am really confuse about the housing loan that is available out there. My relative recommends me to take full flexi as best way to save interest, but my friends say semi-flexi is better. If I transfer all my monthly salary (RM 8K) into the full flexi current account on monthly basis and then use up about 60% (RM 5K) by month end, does that still provide any additional interest savings compare to semi flexi where say I pay extra 3K everymonth on top of the regular payments ? I am being quoted 4.55% full flexi by hong leong but can get 4.4% from cimb for semi-flexi. My relative also have some extra cash RM 100K which she claim she will help me to park inside my full flexi current account to save interest. I am interested to take RM 500K loan.

thanks a lot for reading my query

hi there, thanks for your reply. so you think I should go for full flexi although the interest rates is higher at 4.55% vs semi flexi at 4.4% for my case?