供屋Flexi-Loan

年前为了有瓦遮头，和爱人组织家庭及怕以后买不起屋子，我们战战兢兢的买了一栋屋子（过程有点被骗的感觉），狠狠清空我们可以清空的一切，丢下作头期。幸好，代理并没有骗我们，屋子经在我们废寝难安的日子里慢慢地成长着。

关于房贷配套，这年头流行着Flexi Loan。我们也是签了一个这样的配套。
我从Internet 找来了一些资料：

1) What is the difference between Term Loan and Flexi Loan in terms of interest calculation?
- There is no different in interest calculation between Term Loan and Flexi Loan actually, both runs under the same principal where interest is calculated base on your principal balance. Mortgage loan these days are mostly "daily rest" calculations. The different is more on the facilities of the package, which can be differ as below;

a) With a conventional term loan, you may be able to pay additional money to reduce your principal, unless it is stated other wise by your Letter Offer. However, standard conventional term loan doesn't allow you to withdraw that additional amount in case you need those in the future. Conventional term loan are pretty straight forward when it comes to interest calculations, cause what ever goes into the loan account stays there and figures are pretty easy to recognize. It's all in the statement.

b) Flexi Loan on the other hand has a current account attached to the loan account. (so there's actually 2 accounts) The deposit in that linked current account is consider an "off-set" to your principal. Example, if you have a RM 300k flexi loan, deposit RM 100k into your linked current account and the bank would calculate your interest based on the amount of RM 200k. That RM 100k would act as a principal reduction. And the best part is, you can use that deposit any time you want. (using it as any other current account). However, you might find a bit more difficult to identify the whole statement if you are not familiar with account (and numbers!)

间单来说，理论上传统Home Loan 和Flexi-Loan 利息的算法是没差别的。真正的差别是在于你投入的Extra Money 用去填Capital是可以拿回的，而传统Home Loan不能拿回。
举个例子：
1) 传统Home Loan RM400K + Extra RM200K填Capital，结果RM200K拿不回。
2) Flexi Loan RM400K + Extra RM200K填Capital，结果RM200K 随时可以拿回。
加上Flexi Loan 的Interest 是每日算的，所以Flexi Loan 对我们来说就等于
                                   供屋还债　＝　储蓄＋投资　
何乐而不为？