I want to ask sifus here...

I got a loan account, which I have made some partial payoff. It's a semi-flexi loan, which i can withdraw with a fee.

The loan account is for a property which I no  longer intend to keep (change of plans). Initially i put there is to reduce the interest payment.

My question is, is it more practical to withdraw from flexi loan (4.35%) , to put in PNB funds ? How will it affect my current loan term/ interest payment etc?

Some people ask me to keep the money in loan account to reduce daily interest charge.

But I have been thinking, since I am no longer keen to keep the property but intend to sell it, then no point for partial payoff right?

true. aiya..if wan withdraw, can walk to bank and sign a slip.

a friend of mine, pinjam here n there till debt keliling pinggang ard 200k. whose fault ?

i think u misunderstood. for example, u pay the shopee dude rm1020 for rm1000 units (2% service charge). he will use his personal banking account to topup your myasnb account. thats y he needs ur myasnb account and not online banking account.