According to BNM's statistic, conventional loan save a lot more than flexi loan. Imagine you have 100k in your account and your car is acting weird, breakdown a lot, will you endure the agony of a frustrating car or sell then buy a new car? Yes, conventional you can withdraw but the hassle of 1 week notice and RM50 per withdrawal will force you to do it when you really need to. But Mr. GeekinE90 is special case though.