Assuming you are buying a 600K condo and you have 300K in the bank, how much loan would you still take? Do you go for the maximum allowable loan amount (90%) or do you actually use the 300K as downpayment so that you only need lesser loan and thus lower monthly repayment?

Which one makes more financial sense?

Or would you take 90% loan and put the 300K in the loan account (say Flexi-loan) to reduce the interest?

Thanks!