That's a good tip. Who has flexi loans? Does it work in a DIBS
Scheme?
DIBS depends on which bank the developer ties up with.
So far I know Hong Leong and Public Bank have these Fully Flexi loans.
There should be others...
The Loan will be tied to a current account which c/w a cheque book and even atm.
So your spare funds are parked into the current account. Every dollar you have in there will be minus off the interest calculation on a daily rest.
You can still spend your money anytime.
What some people do is that they even credit their monthly pay into the account. (If you are working in MY)
They spend their money as usual but it still offsets their interest payable.
Other type of loans with redraw features are not as flexible but still a viable alternative to FD.