my cimb full flexi financing started in may 2023.
current profit rate is 4.65%.
little by little i dump in the linked current account.

till today it's only 21 months (1yr 9mth).
from amortization table, principal payment suppose to be rm624.
but for this month, the principal payment is rm954.
which equivalent to 131 months (10yr 11mth) .

not so sure if this is the most effective way. just that it is very liquid to withdraw. only rm10/mth service charge for current account. and i did this only for my own stay house.

from what i understand I'll get charged rm40/mth if current account has more than 70% of financing outstanding balance.



This post has been edited by pakjat: Feb 9 2025, 07:07 AM