hello gais....


last a few days ago, ayam sit with ma fren... he told me about asb loan....he ask me to take 200k loan after that, make a personal loan for about 15k



after that, by using 15k, lamsam kat asb loan..this 15k is for 1 year payment for 200k loan...after a year, he said, u will get the dividen around 7%


so.... 200k x 0.07 = 14k myr. so i can use it for next year payment and so on..

i only need to pay this 15k loan...


is it ok gais? this is the right flow to follow? thanks

u got ccris bro?

tiba2 dividen kurang jadi 5%, willing to take risk?

worse than Genting. But don't take my word for it, 1 yr later u see.

Better draw epf to pay for the loan, on first year only

Asb loan ok
Personal loan not ok.

every year this dividen will be revise ke bro?

genting oso got ka? how about UT?

If u take asb loan, your yearly dividen would not be 7% already. Have deduction then you will only get around 4-5% dividen, then you have to serve your personal loan with interest summore then in the end no untung already.

nah wont. all malay will mogok rusuhan.
the government wont allow that to happen. some more election will be coming in years.
well at least the year up to election wont happen. after that who know.

yeah...i think so... thats y i need to wait a year to withdraw it.....

personal loan if ayam not mistaken 6% liau...damn high

keje gile

Tau pon.

There is a fruitful discussion on asb loan at financial section. There u can read all things about asb loan.

Why ur friend so damn bodoh ask u to take personal loan to pay asb loan?

Bodoh bangang kenapa? Asb loan interest is 5%, personal loan is higher than that.

So ko nak kena ambik personal loan maybe 8% interest untuk bayar asb loan interest 5%? Baik ko bayar je 5% asb loan tu pakai duit sendiri.

I took asb 100k and paid for the 1st year. The rest goyang kaki.

Ask Mr.docter how much he got after cancel his asb loan for how many years

Bank islam personal loan 3.7% only. What say you?

Rugi that way.
The best is accumulating your earned interest with your prinsiple.

Be sabar a bit by paying every month to years.

After 10 years you will appreciate the sabarness.

Ko jangan la ambik offer offer rate, semua tu belum tentu boleh lepas, subject to approval, etc, etc - average rate for personal loan memang above 5%, lagi satu asb loan boleh stretch sampai 25 tahun - ambik personal loan nak bayar suma around how many years?

The general concept of taking a loan to pay another loan is generally bodoh and bangang.

Goyang kaki pakai dividend untuk bayar ko punya loan? Baik takyah ambik asb loan - main point of asb loan is to get the maximum compounding interest starting from the 1st year, kalau ko pakai dividend bayar ko punya loan, sampai mati takde compounding, rugi banyak.

loan tapau with another loan.. lol sound so wrong.. not the right choice, once the dividend down, u hardly cant breath.. yea, u can see the past performance, but we are not from future