Currently loan 180K with -1.5. Already paying a year.
Thinking to top up or change bank.
Check with the bank for top up need to pay for the lawyer fees bcoz the changes of agreement. Again ask for write in interest, they said the best is 1.8 but still need to pay for processing fee.
If i change bank for refinancing it is a wise choice, with current interest offer by the banks?
It is good to use flexi, if let say i refinance. The extra money will put in the bank. When need it I take or less just put there as if I got extra cash.
Plz advice.

This one for own stay.
I not sure the current blr is good to go for it, or maybe wait another 5 years after lock in period.
I am thinking for top up for current bank with some cash in hand. So I thinking go for flexi, meaning with those extra cash I just put in to the acc, if really need I will take if not just remain in the account. That is my own intention. Some ppl advice go for personal loan, but then I am not that need for big amount of cash.
ANy good advice?