In (A), what is 'here' ? Is it same as (3) ?

you are right from the term.. from my own experience perspective, i have 3 mortgage loan, 2 in HLB and 1 in MBB.. they are same.. im using semi flexi instead of full flexi.. mortgage loan interests are calculate in daily basis as far as i knew if you go to semi flexi & full flexi loan.. it not deduct your principal and it is serve as advance payment which you are right. but your interests are count based on (principal - advance payment) x interests rate..

unless you call to bank and ask them to use advance payment to deduct your principal.. (indirectly you cant withdraw it out anymore after this)..

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..

current account? are you having full flexi loan account? only flexi loan tied to individual current account. how long u have the mortgage loan? usually current account will have monthly/yearly fee.. check there is any small fee charge into your current account?!

it is fine to pay extra every month.. it will automatically reducing the interests on your loan.. the benefit of having current account is that you can make additional payment/withdraw money from your current account without having any pre-approval from bank.. but cons is there should have a minimum maintenance charge in monthly/yearly basis..

what bank is this?