if got rm200k masuk asb better or buy apartment ready in 2016?

Silkysilk,

That's not a wise choice, you will lose the chance to get compounding effect which is not always available to all fixed funds compare to fixed deposits. Property mostly increase in value, but when BNM reduce the Base Lending Rate to much lower position, low interest everywhere and more poeple will flush in more for property causing supply more than demand, then property price will drop but your interest from the bank remain same until you fully paid the property, that's why bank do now owned property and prefer interests as payment because it a fixed, but chance are rather too low.

Silkysilk,

It mean not a wise choice to take a dividend that can enjoy compounding effects, just because want to paid the amortization. fixed deposits, active income from investment that don't have compounding should be the one use to paid your property investments.