Boss, 4.45% is considered good already. Probably 4.40% the best but could be rare case.

citibank full flexi is really full flexi
and can get up to 4.3% without mrta and lock in period
anyone interested please pm me

Dear echoesian,

1. it all boils down to your financial planning and your objectives.

2. For my point of view, I would suggest you to take full loan,due to time value of money, higher alternative investment yield, leverage game and higher cash flow.

A. TIME VALUE OF MONEY.

the money you had right now lets' say RM200K is worth more than Rm200k IN 10 YEARS TIME. Hence, it's better to pay off installment slowly instead of one lump sum.

B. Higher alternative investment yield.

You could invest the RM200K into other investment instruments that yield 5-10%, instead of paying downpayment that would save you around 4.4-4.5% of the interest charges. If you have asb, then invest into ASB.

C. Leverage game

In this economic world, most of the rich and powerful plays leverage game to increase their net worth. They leverage using other people's money via loan from bank, lowest loan charges and invest into other higher potential investment yield with other people's money.

D. Higher cash flow

You could have use RM200K for different type of purposes, for emergency, for investment, to invest in own education, buy a new car etc etc etc. You could park the RM200K into full flexi account and withdraw it whenever you urgently need it.

3. Just my succinct point of view. (don't take me too seriously)

Yes. Cancellation fees