hi, newbie here, my recommendation is....
(1) don't take ASB loan..very rugi, yes it's an investment but 'u make saving for bank'.
(2) apply for personal loan from bank rakyat or koperasi which their interest is about 5%-6%, then invest into ASB..
if that year ASB giving out 9% bonus+dividen, u still profit 3 or 4%.
(3) convert your ASB value into their sijil ASB, then bring the cert to local bank (RHB), go for OverDraft ASB..
means u cagarkan that cert for money. u only pay the OD interest every month which calculated daily rest.
(4) eventho the cert with RHB, u still can get the ASB dividend and at the same time use OD money to settle ur debts ie CC,
study loan, etc,etc.

just my 10 cents