How old is your LASB? Do you know it's current principal value? Does it include takaful? How much is your LASB value?

If you don't opt for takaful then you will not have shortfall which means you have to pay more to to terminate.

But usually LASB have lock in period? The one without lock-in period is ASB Financing since it is Islamic. You need to verify with your bank first.

If everything is alright and you decided to terminate it, you will save RM 12.15 more every month for that 0.2% difference. But you have the risk of losing 1 month dividend if your application is delayed. Is it worth it? Your call.

On the other hand, you will have more advantage if you have separate financing since you can terminate them separately later. But if that is not your concern, then it's okay.