let them be. everything also want to be haram. small mind only discusses about petty matters.

they listen and believe what everyone else says and didn't even bother to check and verify.

if u convert to islam, you will be considered as saudara baru / mualaf

this is a minority category that is allowed to open ASB

very few cases where a convert can be have full bumiputra status - that is enjoy bumi privileges - discounts on properties, can buy native lands / properties, etc.

u thought wrong

my asb is more than 20 yrs old (since ting ting book)

one fine stupid day, i w/drew almost all my balance to buy an expensive mountain bike during uni days (u know how piss poor uni students are)

and now back to 2013, when my balance is giving me 5 figure dividend returns, my bonus barely touches the 3 figures

young, raging hormones to be blamed.

everyone has their own preferences to be included in their invetment portfolio

as for me, i'd think it's stupid for investors to buy a house. you'd rather be better off buying commercial properties.

but that's just my thoughts. but u don't see me calling other investment as stupid.

so please choose better words. after all, this is a serious forum, not kopitiam.

not all debts are bad.

property debts are good. just that you need long term commitment to service that debt.

there isn't a set minimum figure

bonus is based on the lowest balance of the year anf averaged for the past 10 years

it is best to ignore the bonus part as it is always misleading (u know how most banks advertise ASB has 9% dividend - when actually it is just 8% dividend + 1% bonus)

This post has been edited by lucifah: Nov 20 2013, 05:17 PM

if that's the case, then why has perlis, kedah & kelantan people not use this advantage?

pls refrain from posting zero-value posts in this thread or any FBIH related forums

you have been posting way too many zero-value posts and repeated posts in FBIH, and we can see from it that you are just trying to increase your post count

if you continue with such actions, the admins may not hesitate to reset your post counts, which will make all your zero-value postings a futile attempt

you have been reminded.

wouldn't be surprised if it goes lower. it has been historically proven that after general election, the dividend distribution will be lower than previous years


but if the OPR is increased, thus increasing the interest rates, thenyou will see the ASB dividend will increase in tandem with the quantum of OPR /BLR increment

usually on the 3rd week of december.

you nailed it right. i think it is just a propaganda started by bank loan officers

maybank has yet to revise their t&c officially at all

if it is true, the revision will not affect the existing loan as your loan terms & conditions are already spelt out in your contract

if u read the contract properly, it is clearly said BLR - 1.65%

any rate increments will apply only if BLR is icnreased

a little bit offtopic, but i sense that cimb's top honcho is using its strongarm tactics and force other GLC banks to provide less attractive package than what cimb is offering

*cough* najib *cough* bro

saw this at the bank this afternoon.



ASN transactions will be suspended starting 22/12. so expect announcement soon.

for ASB, it is best if you just ignore the bonus part. just like its name implies, it's just bonus. it's a gift, not a privilege

it's actually calculated based on the lowest balance of the year x 10 yrs back average x %bonus

unless you have a very high balance for 10 yrs and no w/drawal at all, your bonus will be as meagre as mine, which is very little

depends on your ability to finance it and your future plans. it's good if you can manage the loan repayment and has some sort of backups to pay the loan should you have financial defecit for a few months (say, a baby born and u need money, or a car accident and you need money to repair cars, etc)

remember, the ASB loan is considered as personal loan, and will affect your ability and eligibility for future loan amount / ratio / limits set by BNM

strictly mathematically speaking, the ASB financing will yield you higher returns

but unfortunately matehmatical equations doesn't translate to real life scenario quite well. there's many variables that you need to consider and is different for everyone

for asb, it's 22 dec

yes. provided that you are able to purchase the units at the first place

u need to understand the fundamentals of how they calculate the dividend

though there is no clear or official guideline from PNB, most investors will agree on this:

dividend is based on the lowest monthly balance for 12 months

the only grace period is the 1st of each month

thus, if you deposit it on 31st august, then thedividend for the month of august is not calculated

same case if you deposit on 2nd august

the only exception is if you deposit it on the 1st of august (cut off date)

the dividend will be pro-rated based on the months you invested. if you only invest 3 months, then the dividend will be 3/12 x dividend %