went to talk to OCBC today. quite good also their system. its like flexi but no monthly fee. if and when you withdraw then only you pay RM10.

what i like is its very clear cut. their payment slip has 2 check boxes. one for Installment and one for Capital Repayment. If you check Capital Repayment, and you bank in say 20k, that 20k you can still withdraw. If you check the Installment box, that 20k is consider as advance payment. So the next few months, you wont need to pay anything if you wish.

Both will reduce interest charges.

Non-Zero moving cost rate is -2.4%. 5 years lock in and 3% penalty.

but valuation fee have to pay also....
i dun mind paying loan agreement

is there a method to calculate valuation fee? is it based on house price or loan amount?
thanks

i dont know why but the marketing person at OCBC when he calculates for me what my loan agreement will cost and also valuation fees - it seems so high. I use the online calculator to determine the loan agreement fees and stamping fees but when he told his estimation - it is a few thousand ringgit more.