Answer first
Product labels do not prove how an account works. Compare only the mechanics explicitly stated in each lender’s current product disclosure sheet.
How to decide
Avoid market-wide assumptions about linked accounts or withdrawals. Record each product’s documented interest basis, fees, redraw conditions, minimum amounts and processing time in separate rows.
A practical process
Open the current PDS; quote no unstated mechanic; date the record; compare matched features; suppress any cell that the disclosure does not answer.
Limits and next step
This is not a product saving claim; only the lender’s current documents determine treatment. Check the linked primary source and its captured date before making a commitment.
Malaysian worked example
Show the working
Inputs
- RM20,000 hypothetical extra balance
- 4% annual loan rate
- held for 180 days
Calculation
- simple illustration = RM20,000 × 4% × 180 ÷ 365
Illustrative resultThe arithmetic-only illustration is RM394.52 before product-specific fees and rules.
This is not a product saving claim; only the lender’s current documents determine treatment.
Sources
- Source checked on 2026-09-14Maybank