I'm actually thinking it over, whether one should buy a house (that is going to be leaved in) by CASH or INSTALLMENT?

Reason why I asked is because of the interest incur for the loan

As an example, Let's say one can afford a house at RM200k CASH and his income tax has been very transparent, would it be better to save the extra interest?

I'm not very sure about the BLR and interest calculation. If possible, can someone kindly clarify. Let's say the loan is 90% of RM200k, so the total loan is RM180k. So if a tenure of 30 years, how much in total should be paid?

I also know that some say if one got money, one should clear it earlier to reduce the interest. So in addition to the example above, let's say the loan of 30 years is shorten to 20 years, how much savings will one get?

Based on this calculator,
http://www.malton.com.my/quicktools/financialCalculator.htm

Property Price: RM200,000
Margin of Financing: 90%
Years of Loan: 30
Estimate Interest Rate: 6%
Total Loan Amount: RM180,000
Estimate Monthly Installment: RM1,079
Total Loan including Interest: RM1,079 * 12 * 30 = RM388,440
Total Interest: RM388,440 - RM180,000 = RM208,440 (extra to pay)

So let's say the loan of 30 years was reduce to 20 years because additional payment,
Estimate Montly Installment: RM1,290
Total Loan including Interest: RM1,290 * 12 * 20 = RM309,600
Total Interest: RM309,600 - RM180,000 = RM129,600 (extra to pay)

That is really a lot of interest to pay there...

My friend told me that when taking a loan, it would be better not to take the MRTA cause:
1) The amount is tied to the house / loan
2) The amount must be paid on lump sum

So what he suggested is to take Life insurance of the same amount and if anything goes wrong, the Life insurance is enough to cover the loan. The benefit is:
1) No need to pay one lump sum
2) The Life insurance is tied to him and not the house / loan
3) For some Life insurance, when it is matured some amount can be taken back

Is my friend right?