If you sure that you will be settle the loan in 1-2years, it's better for you to get zero lock in period package. Some do bank zero lock in package. But the legal fee have to pay by you, no zero cost package for it.
Or else, i think minimum of 2.5% from the loan amount will be the lowest penalty in the market.
2.5% x 350k = RM8750
Or some bank calculate the penalty base on outstanding amount. So maybe you can just pay whatever you have then the second year only settle the loan. It will reduce the penalty alot. But i'm not sure the T&C allow to do also or not. Have to check first.
But some bank also have state as minimum of 2.5% or RM10k whichever higher like that. So do take note about that also before you choose this way.