i took the ASB loan for about rm 100k for 20 years, this is the conclusion i've obtained

1st year pay rm 800 more or less a month
2nd year and so forth rm150 more or less month (use the dividen to pay back the load), hehehehe, i dont mind not touching the dividen for 20 years.

so after 20 years, paying about 45600 i get rm 100k, which is not bad in my book, plus the whole thing is like insurance as well, anything happens to you, your benefactor will the get the money.