dude, alliance is now offering full flexi at blr - 1.9%. it is always good to have cash handy, so take a full flexi loan and dump all your cash there to reduce interest. should you require money in the future, all you have to do is withdraw it.

legal fees is 0.7% after 150k. also, dont forget stamp duty and other disbursements.

look out for the prepayment clause in your offer letter. i suggest you take the time to read your offer letter very carefully as this is the main foundation of your loan. the thick documents are pretty standard.