Hi Sifus,

I have additional savings of RM 100k.
I have a full flexi housing loan around RM 1 mil with interest around 3.95%, do you think it is better to top up principle repayment or subscribe to a FD with 4.05% interest payment? Is it better to put my savings in Fixed Deposit (4.05%) or add to my principle repayment (3.95%)? My loan tenure remains 20 years.