dont worry, all banks almost the same.

flexi or not, is not really essential, all these actually just a game trick by the banks to attarct you. if you have lots of cash, dump more into first payment, lesser loan amount, lesser interest, this basically plays the rules as flexi.

few things you need to ask yourself before apply few banks -
1. you going to support any of your loan officer friend ?
2. how much you want to loan ( this reflect the interest you going to get )
3. tenure ( 13 years, 20 years, 30 years ). of course, dont ever think of 30 years if possible.
4. zero entry ? ( like transfer or mot ), not much.
5. most important, you MUST APPLY LOAN THAT IS AT LEAST MINUS 2% OF BLR. of course, it also depends on the property location. the primer the location, the better the rate.

not hard, quite simple. remember, dont ever bothered by those bankers, if you have any queries, ask any experienced friends or relatives of u.