I would like to know which bank offered the best loan rate for asb?

Wanna enquirer, anyone know this year ASB divided? I heard it's going to be more then ASW? How true is it?

when will ASB out the bonus ?? next year what time ler

dun do loan for asb. u will lose out in the long run. in the short run, u have to pay more, also losing out.

when the blr goes up, then you pay higher.

the officers inside has been warning their relatives not to do loan related to asb coz they know its losing money.

if u can afford the payment urself, try imagine u start to save with that payment for a term of period and see for yourself how much u end up with.

So if that's the case ASB should be getting either 8.5% or 9% 

Will see about it. If so happends, i will all my asb fund to asw by next year 

don't worry. no need to report police one. fill up a form. angkat sumpah with comm of oath. pay a total of 18 to both the comm and asnb. walah. got your book back.

If i were u, no need to transfer out yr money from asb to asw. make sure your asb if full. ASB WILL HAVE THE BEST RETURN. It has been proven ever since day 1. Somemore they give u bonus. ASW don't have one.

im quite confused. the ASW2020 non-bumi units, why i go maybank they say sold out? so where can buy? PNB office in KL?

ASW2020 is only able to open account once got unit available for non-bumi rite? what document they required?

which Amanah saham can a non-bumi buy?

you can also start with RM10, why rm200k........my wife started with rm10

quest to all asb professional out there...

  let say i take loan asb. eg. RM10k for 10 years. they say we had to pay certain amount per month like ..rm100. All the money we pay (month by month) until 10K. The quest here:-
-1-> when we can get rm10k? after all RM10k fully paid?
-2->RM100/m x 120 mnth = over rm10k . we get net rm10k or over than that?

is it all of above (month by month pay) deducted with (divident and bonus) is the sum we get after 10 years?

thanks for answering this.

i wonder who on earth told you this. its been noted for a long time the ceiling is 200k.

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Added on January 3, 2008, 4:00 pm

not exactly i think. credit officers from the bank youre applying the loan can see the asb loan (assuming 100k) is with collateral. they could figure your monthly commitment is not as much even though you take 100k the most you pay monthly is around RM600? basically asb is a very safe investment. as good as fd but with more than double the returns. bumis who have excess funds are advised to invest in asb.

Limit for ASB is still RM200k. Never more than that. But i knew people which has more than RM500k in ASB. How come? Accumulate dividend. U can't invest more than RM200k since their system have a mechanism to control how much you have bought/sold.

anyone know if i want to withdraw money out from ASW2020, can i get the money straight away? like taking money out from saving account?

bt i m non bumiputra... so wat the best way to do? i hav invest stock a bit...

erm... also haf invest a bit lo... hehe.... finding other highly returns 1...

Hi Guys

Just want share with all you in regards to ASN, ASB

1) For Bumiputera, you are allowed to invest max RM200,000 for each individual.

2) For Non Bumiputera (where i belongs), you can only invest in two ways. One is the close-ended fund where PNB will announce from time to time and every Malaysian can buy. Once it fully subscribed the fund will be closed.

The other is an open-ended fund where you can buy from the market just like you can buy share from KLSE. Currently the AGM (Amanah Gemilang Malaysia) and ASN 3 Imbang are the funds that you can buys. I have invested in those.

For your information, these funds have been paying dividend for 6-8% averaging for the past 5-8 years.

These funds are meant for long term investment (10 years and beyond). So I believe this year due to the market conditions, it will be a challenge if PNB can give 6-8% dividend. However if you look at the long run, the average dividend is much better than your average FD. Of course if you compare with KL Mutual funds or other funds, it might significantly lower than them.

One thing I want to share with you is that PNB has been establised for many years and majority of their funds managers are very experience. In addtional to that, PNB holds quite a substantial shares in many counters in KLSE namely Maybank, Sime Darby etc. and they have representatives in the Board for these companies. Hence they will know in advance what is happening well before the news reach the normal investors like you and me.

Hope these help. Happy Investing....

If you need further explaination, can email to me at honwhy@gmail.com. Glad to share with you .

thanx for the insights, but you still have a chance with ASW2020 but for the availability of the unit, you have to ring PNB or their agents yourself