I thank you for your explanation as well as time consumed to enlighten me on this issue for start and in advance.

1 - Are we talking about CCRIS, that will kacau me during my house and/or car loan?

2 - If I agree to proceed with this loan, it mean that I will have RM 30,000 credited into my account, and start receiving 8%* dividend per year? And I am paying back to Maybank RM 175 (+RM 5) for 25 years to clear this RM 30,000 loan? Is it the idea?

2.1 - Based on your calculation, by 25 years (based on RM 30,000 loan - if Question 2's answer is yes), I will have nett RM 167,500 within 25 years, and it will be 100% mine?

2.2 - The staff did said that "once you completed the payment for 25 years, you can claim your sijil worth of RM 30,000 in this particular branch". This is the point where I start to confused; I can't integrate the idea of Question 2.1 with her statement.
*example
EDIT : adding some points.
EDIT2 : Bolding Question 2.2, for better emphasization.

From my understand most of the bank would ignore the ASB as a monthly commitment as they knows that the dividend incomes is enough to cover it.
Banks pay more attention to mortgage/ credit card/ personal loan commitment.

this is new info. can you confirm it?

although i've seen a few cases where a person with 200k asb loan over 20yrs can still manage to get a 300k home financing