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Ultimate Discussion of ASNB (47457-V), Wholly owned subsidary of PNB (38218-X)
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titanic_crash
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 Sep 23 2015, 06:49 PM
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Getting Started
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QUOTE(nexona88 @ Sep 23 2015, 05:39 PM) got people share about ASB2 loan. donno true or not  Maybank Islamic Tenure: up to 30 yrs or age 65 yrs whichever is earlier Min age: 18yrs max up to 65yrs Financing amount: Min RM10k Max RM200k Rate financing below RM30k: IBR+2.3% p.a (1st 3yrs) =5.5% IBR+2.35% p.a (thereafter) =5.55% Rate financing RM30k and above: IBR+2% p.a yes, its true at maybank islamic only, other agent branch, not sure... but, i prefer to use epf money to invest in asb2... |
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titanic_crash
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Oct 4 2015, 02:29 PM
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Getting Started
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while others are hunting asw and as1m, im lucky because can invest into asb and asb2..
have already zerorise my investment in asw and as1m i.e in cash and epf acc 1...
transfer all into asb2 for cash and epf, while my asb already full by loan...😀
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titanic_crash
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Oct 6 2015, 07:07 AM
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Getting Started
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QUOTE(HJebat @ Oct 5 2015, 11:49 PM) Investment in ASB is generally free $$$...  Why do you open account for for ASW & AS1M in the 1st place? it's not a one day decision...i opened asw since 2008...back then, the div was superior then epf, thus i used to hedge accordingly and i used odasw as well... now, with asb2 coming and the first dividen was equal to asb,asw and as1m were not favorable to me anymore with the current 3b snapped up in asb2, im going and invest under my children name first as it is capped at 10b..try max 50k for each child, then i asb |
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titanic_crash
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Oct 6 2015, 02:31 PM
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Getting Started
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QUOTE(cheahcw2003 @ Oct 6 2015, 10:52 AM) If u know how to use ODASW, spot on!! But based on the current shrinking return of ASW dividend and increasing in OD rate. Not worth to do the ODASW. I have discontinue 5 OD accounts pledged against ASW. that why i also discontinue my ODASW, channel it into my account and my child account i.e asb and asb2 |
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titanic_crash
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Oct 25 2015, 11:00 PM
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Getting Started
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QUOTE(cheahcw2003 @ Oct 25 2015, 04:16 PM) Different banks have different spreads as they got different base rates. But all add up to 5.2%. Maybank, Cimb, Rhb, Bsn as at to date, only maybank provide asb2 loan with a flat rate of 5.2%, that is why i'm not really keen to finance..i just used my epf acct 1... For asb loan, i got this offer late last year and i just apply max 300k at 4.85%... |
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titanic_crash
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Oct 25 2015, 11:11 PM
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Getting Started
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QUOTE(nexona88 @ Oct 25 2015, 11:08 PM) how u managed to get 300k loan when the limit is only 200k?  Because my limit already at 305k at that time due to reinvestment of dividend and bonus... |
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titanic_crash
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Oct 25 2015, 11:14 PM
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Getting Started
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QUOTE(nexona88 @ Oct 25 2015, 11:13 PM) so u withdraw the 300k in ASB & apply for 300k loan? correct? Yes, thats the way |
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titanic_crash
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Oct 26 2015, 06:43 AM
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Getting Started
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QUOTE(cheahcw2003 @ Oct 25 2015, 11:59 PM) 4.85% very good rate. I guess that was before the bank's using BR. Loan still based on BLR? So u are getting BLR-2%? May I know which bank? C? R? Or M? affinbank  |
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titanic_crash
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Oct 28 2015, 06:46 PM
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Getting Started
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QUOTE(diodorus @ Oct 28 2015, 03:48 PM) Guys, I have some questions regarding ASB loan. Recently I attend a talk from Maybank officer regarding Maybank loan and he stated that Maybank ASB loan is based on reducing rate while the CIMB ASB loan is based on flat rate. Can any of you guys clarify about this? If it is true, then it is better that we take the Maybank loan right? both banks are daily rest |
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titanic_crash
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Oct 28 2015, 10:15 PM
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Getting Started
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QUOTE(cheahcw2003 @ Oct 28 2015, 07:07 PM) check wirth Affin Bank, their best rate is 5% now, no longer can get 4.85% Of course, ive done it in dec14 |
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