Hi /k based on my previous topic regarding my housing loan, i have two offer concurrently 

Basic Term Loan
Rate: 3.4% | Monthly: RM980
The amount remain for 35 years and have to pay lawyer fees on my own.

Semi Flexi Loan
Rate: to be confirm | Monthly: RM955
The amount fluctuate based on BLR and lawyer fees include in the loan.

Based on your experience for Semi Flexi Loan, is it possible for the monthly commitment increase up to 1.2K monthly.
Your comment and suggestion is highly appreciated 

i apply housing loan around 2021 October, yeah, bankers still sell me Full Flexi
but i take up Semi Flexi....
but weird is Basic Term Loan....tot obsolete ady?
how come ts mentioned got such loan offer?
very curious which bank

what banker told me is

Full Flexi
- can withdraw money from Loan Account anytime without charge
- no withdraw limit
- one time charge per year

Semi Flexi
- charge RM50 per withdrawal from Loan Account (think this is HLB, but the amount varies according to bank, but all bank charge per withdrawal)