Guys,

Any cons on those flexi loan whereby you can put in extra money and withdraw them anytime, and those extra money you put in will reduce your principal hence your interest amount?

For example your loan is 500k and the interest is 6.75% per annum, you dump it 500k inside hence your interest become 0 and you only service the loan amount every month.

Can it be equate to investing 500k and getting a 6.75% return?

The only cons I can think of is you can get better return if your invest your 500k elsewhere.

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? 

Normally I'll suggest customer to take max loan tenure n max loan. Cuz since u're so young, if u take max tenure then the monthly installemnt will be lesser. So mayb u got extra money you can do others investment..money make money. if u loan 100k u also allowed to dump in 100k so the bank will charge u 0% interest, no any charges, no penalty..