BLR at this moment is 6.85 - 2.4 = 4.45, 4.45 is your home loan interest

There isn't any right or wrong whether to invest in FD

If you are risk averse, putting your cash in FD calms your mind, investing in shares or high risk assets will give you nightmare every night, invest money in FD will be wise decision. Moreover, Bank giving 4.2% interest that's good rate for conservative investor.

Now the bank rate for property 500k above is 4.4-4.45%, dumping your cash into capital account saved 4.4% in casual saying, but effective rate will be much lesser than 4.4%.
In actual fact, paying higher % installment/month vs putting high lump sum of cash in capital account will yield higher internal rate of return. Time value of money factor.

But still, above is ways for conservative investor to park their money.

If you have higher appetite, the cash that you have try invest it into med risk investment that yield at least 6%.
or
Creative accounting with that lump sum of cash and purchase valued property. As property gets rental and capital appreciation. Anytime is a good time for property investing given that you have the holding period and you found good underpriced valued property.

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BLR not applicable to bank rate, now it is base rate and the effective rate as I mentioned above.

RM500K above loan will get you effective rate of 4.4-4.5% interest.

No commitment?

I need the following info

Age
Rental income
Bonus

Commitment
House
Car
Credit card outstanding
Personal Loan
Ptptn

U can apply the loan solely under ur name.

find a people joint loan with you with his income to apply for loan application.

You need to joint loan with someone who earns an income

If you have assets/cash/investment worth @ 2.5m, will be quite easy to apply for the loan. However the bank requires that you have someone who has an active income coming in.

The bank will loan up to 90%.

correct

Reconfirm if bank cap the sum for deductible interest, some at 70% of loan sum

For CIMB full flexi, yes. No loan interests will be incurred
Nope, in general conventional or islamic loans are sharing same effective rate, only scoring and loan amount may defer the interests rate.