Sifus & Gurus out there,

I have an home loan offer from CIMB for its Flexi Home Financing-i (islamic). Details are as per below:

NZEC
Full-Flexi (according to the banker)
Loan amount : RM484740
12 month interest free
2-5th year BFR-2.3
subsequent BFR-2.35
no maintenance and processing fee
link to mudarabah current account i (u can earn interest if there is any balance in the account)

I have got the offer letter and my concern is
1) it doesn't state that i am allow to put in or withdraw any amount of money that i wish to without any penalty.
2) It doesn't state that it will offset my interest if there is balance in the mudarabah current account

Is anyone outhere that actually taking CIMB Islamic Flexi Home loan??If any, please share your experience and do they have any hidden clauses/charges that apply? To me this package seems too appealing and hard to believe. Please advise as i am new to mortgage.

I also read some comment that the loan amount on your statement is actually more than your actual loan (Loan amount + 30 years interest). Can anyone clarify on this matter?

I also understand that there is 20% reduction for its stamp duty because government is pushing for public to move to islamic facility. This is announced on 2007 budget and valid from Sept 2 2006 till 31st Dec 2009. Anyone can clarify?

1)sXb offer me full flexi blr-2.4 30year , need pay month RM10 for acc maintainence fees
2)AllXance offer me full flexi, 1st year fix 3%, thereafter only blr- 2.05 but waive  month RM10 for acc maintainence fees
which 1 better?