not sure about the min charges. but most there will be a fee charged per month (rm10 - std chartered, alliance) and rm5 - ambank for flexi loan. 1 time setup fee of rm200. basically all your extra payment goes to your current account therefore no fees when you withdraw money from your account.

kenji, u mean a lot of banks offering -2 for flexi loan? i have yet to find -2 whole tenure for conventional - do let me know which bank?