Not with my full flexi, My PBB full flexi is just a current account. No fees needed to move funds. Bank won’t ask any question even if the account is emptied.

Edit: for example, loan balance RM200k, so if I have RM200k in this current account, the outstanding loan principal that will be charged interest is zero. Any money put into this current account will automatically offset loan principal, no need inform bank no matter how we put in or withdraw money.

When you take loan with such and such interest rate, you imagine like buying car where your premium decreased with each payment.

In reality, most of our payment each month goes to the interest part and small percentage goes to the loan principle. After so many years you found out the loan decrement is only very little. I think you just use Islamic banking when you know from day one how much you need to pay. It is like they buy the house first and you agree to buy at selling price and pay the bank gradually.

Back then I never heard of semi-flexi, only conventional housing loan or full flexi loan from the banks that I applied. 

There’s only one fee, RM10/month for this full flexi facility. No other charges, we are free to move money in and out as we like.

Iinm my interest was BLR+1.x% back then.

I checked my statement, I took the loan from PBB on 2013. So, it seems they started to offer full flexi by the time I borrowed

Is accountancy your profession?

Even the fixed loan also can pay lump sum to reduce loan principle. Not sure about current practice but last time you need to notify bank that you want to pay lump sum off the monthly installment. This will deduct the loan principle.

Flexi loan is something different last time I understood. Say that you paid huge sum to reduce principle but later you run short of money and you can even reduce monthly payment when required. I don't know the detail because never use that kind of facility.