Hello,

So, I'm gonna get my first property, and it's a simple one. I'm about to receive offer letters from the banks, but I'm in a dilemma. You see, it's a simple one, and I'm sure to "upgrade" my home in say, 5 or 10 yrs' time. What's the most cost saving? Pay upfront as I get the cash with full flexi loans? Or just pay monthly, conventional style, and sell if off later?

Let me know!

Some thoughts for you to ponder.
http://forum.lowyat.net/index.php?showtopic=555063&hl=flexi
http://forum.lowyat.net/index.php?showtopic=703776&hl=
Some links inside the topic which you could investigate.

Regardless if you gonna stay for 5 yrs or 50 yrs.

If you have the extra cash on hand which you do not need to use, it is better to go fo full flexi. Dump in all the money in the current account. It saves you the interests charged.

If you do no have those kind of money on hand. Then go for conventional as those full flexi have monthly charges, slightly higher interests rate.
Why give bank the extra RM10 per month when u are not using the features?

Totally agreed with ed0gawa,
I am serving CIMB Flexi loan, Monthly charges RM 10 plus rate is BLR is 3.90