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 ?