Don't Ever use Asb loan for your saving or investment purposes. IT'S A WASTE OF MONEY. Refer to the webpage give.
WHAT HAPPEN IF U USE ASB LOAN. Sorry it's in bahasa Malaysia. Hope it helps 

You applied for RM10,000 personal loan with interest 7.05%  for 5 years, the monthy payment is RM226, after 5 years total amount you paid to the bank is RM13,560. Total interest = RM 13,560 - RM10,000 = RM3,560

Assuming 7% p.a dividend from ASB:

Scenario 1 (Taking personal loan 10k)

1st year: 10,000 + 0.07x10,000 = 10,700
2nd year: 10,700 + 0.07x10,700 = 11,449
3rd year: 11,449 + 0.07x11,49 = 12,250
4th year: 12,250 + 0.07x12,250 =13,108
5th year: 13108 + 0.07x13108 = 14,025

After 5 years total money you have in ASB = 14,025 - 3,560 (interest paid to bank) = RM10,465

Scenario 2 (Use own saving, monthly contribution to ASB)

If you use your own saving, for 5 years with RM226 per month = 2,712 p.a

1st year: 2,712 + 0.07x2,712 = 2,902
2nd year: 5,614 + 0.07x5,614 = 6,007
3rd year: 8,719 + 0.07x8,719 = 9,329
4th year: 12,041 + 0.07x12,041 = 12,883
5th year: 15,595 + 0.07x15,595 = 16,687

After 5 years, total money you have in ASB is RM16,687

Choose for yourself

So, if you can religiously pay RM226 per month.. why you need to loan?