I thought I want to pay higher down payment and with shorter loan period, but my loan agent told me applying for the max loan (90% over 35 years) of flexi housing loan will actually make more saving. If I have the extra money, I just put the money in and this will reduce the interest. This will actually save more compared to pay higher down payment.

Is this true?

Pls calculate yourselves via the following website :-

https://loanstreet.com.my/calculator/home-l...duty-calculator

Pls calculate yourselves via the following website :-

https://loanstreet.com.my/calculator/home-l...duty-calculator

This do not show how the flexi loan can reduce interest.

ask ur banker to explain to u will be better.

how u 'save' interest u have to see how much u dump in also.

When your loan agent tell you this and that why not ask him how to derive his conclusion ? You can post his calculation here so we can look at it.

I am not here to tell you why or what, you have to clearly tell/show/illustrate what you or your agent is claiming so we can give a opinion.