4.45% is expensive loan

either are fine. ASB, Houseloan, FD
So, if  any of these are higher rate ,just got for it. Excluding admin and pricessing fee from asb.....

Is just math calculations
And housing loan are daily calculated interest...do the math

Dear sifus,

I got my first islamic house loan approval from BSN.

It is a semi flexi loan and my only option, so i took the offer.

I understand that semi flexi loan allow you to pay additional amount but cannot withdraw the money back.

I also understand that i will get more discount on interest if i make extra payment on the first few years compare to extra payment after 5 years.

I am planning to take RM30k(my investment fund) from ASB to reduce the loan interest on the first year.

Is this a wise decision?
* loan detail *

loan amount : RM150 k

interest rate : 4.45%

tenure : 26 years
This will be my own stay property and i wish to get the most discount on the loan interest.