Maybank Loan:Maxihome (Semi) vs Maxihome Flexi
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 Jun 1 2023, 12:54 PM
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#1
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Junior Member
666 posts Joined: Jun 2017 
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Hi all,
I am applying for MBB semi-flexi loan. The staff told me that I can make extra payment and withdraw via MAE app. RM 25 is imposed per withdrawal. No need to fill up any form or call maybank for any extra payment or withdrawal. I would like to confirm that it's true that the process is simple? Everything can be done online? |
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Jun 1 2023, 12:56 PM
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#2
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Junior Member
666 posts Joined: Jun 2017
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QUOTE(StupidGuyPlayComp @ May 30 2023, 09:35 AM) my advise is dont get this offer, MBB full flexi is counting based on Overdraft method. end up you are forcing to pay higher monthly installment. what do you mean by calculation on overdraft method?Means if i dont have cash inside, i would have to pay ~2.8k / month at the early stage? Yes  |
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Jun 1 2023, 05:01 PM
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#3
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Junior Member
666 posts Joined: Jun 2017
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QUOTE(StupidGuyPlayComp @ Jun 1 2023, 01:10 PM) Maybank full flexi different with others conventional semi/full flexi loan. https://www.imoney.my/articles/home-loan-ov...ility-explainedYou try to study the Overdraft (OD) pay back schedule. Conventional semi/full flexi loan = fixed monthly installment Maybank OD loan = variable monthly installment, fixed principle amount https://www.imoney.my/articles/home-loan-re...ility-explained I have found two articles - overdraft & redraw facility. Please check my understanding for MBB semi flexi loan: Put in extra money, principal drop and saves interest. Take out extra money, pay withdrawal charges of RM 25 and principal rise again. When the fixed monthly payment is done and there is no extra payment, if we take out the money, it will cause an overdraft which leads to an increase in principal. This means it'll take a longer time to payback the loan as technically, we took more money than the initial loan amount. |
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Jul 3 2023, 02:55 PM
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#4
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Junior Member
666 posts Joined: Jun 2017
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QUOTE(SUPERMAN FLYING @ Jul 3 2023, 11:06 AM) Any current MBB semi-flexi loan holder can help to confirm this. haha it has been confirmed by MBB case worker and several members of this forum.Any maintenance fee? Wish to know the answer too No maintenance fee for semi flexi |
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