for normal working people and the property is own stay.. yes.. i dont see the cons to not putting the extra money in semi flexi loan account.. i attached a screenshot about the actual transaction in my sample.. when u have a lot of advance payment, your monthly principal deduction amount will be increased, of course there is a factor of 30 days, 31 days for each months..

e.g. 03 Apr 2023 been debit 1376.67 interests in my account.. it is due to March have 31 days.. average per day is 44.41 for interests..when go to 03 May 2023, my account debit 1330.25 cause use 44.41 x 30 days in Apr.. which is around 1332.30 or exact number by bank is 1330.25... minor difference is based on when we pay monthly installment amount into account, and it will have minor difference due to your principal - advance payment is lower again..

my advice is pay a little extra is fine like my sample is 1955 for monthyl installment, but i paid 2000 every month.. slowly your advance payment will be accumulated after maybe 5/10 years.. if you have bonus every year, just lump into it.. when you need cash liquidity, just have to go to bank and fill up some form and cash out the money from your advance payment (but limited to cash out by thousands value, e.g. 1k/2k/3k/4k like that, cannot take out 500/1900).. and it incur small charges like RM25/50..
sorry as im not good in explaining all these in professional ways.. but i hope you guys can understnad my broken english..