this is why i didn't take asb loan. and this 600/month will count as liability or not if we want take house/car loan?

because some said asb loan count as profit?

and yeah with inflation i don't think 100k in 25 years will be same value with 100k now

Simple calculation only.
Check what is installment for certain tenure and times 12. Normally the figure is around RM1,200/m for 25 years so that's mean you need to standby around RM14,400 for it.
It's recommended to stretch the tenure around 25 years if you want to cover your next year installments with current year dividend.
You can easily sell your asb off after few years. The risk with ASB loan is pretty minimal though if you really know what you do.
Normally, people just sell it off after 5 years and they can gain almost double of profit by doing that alone compare to saving your own.
Of course, if you can keep paying the loan until you sell it off, the potential profit is much higher.
It always recommended to apply for ASB loan if one doesn't have any plan to buy any property yet for certain period.
At least the estimated profit that they can get can be use to pay for house loan deposit after few years.

You need to learn how to properly calculate ROI and all the proper meaning of each terminology.

You are not doing "nothing" for 25 years. Throughout the whole 25 years the burden of 600/month is on you, not on the asb to give you dividend - hence your assumption of "goyang kaki" for 2nd year onwards is absurdly flawed. Counting only the money out of your pocket is exactly how the banks are manipulating misinformed Malays to use it as a get rich quick scheme.

Liability of the asb loan 600/month is on YOU to pay the bank, ASB can say fuck you and not give you a single cent of dividend in the future, then who's gonna have to pay the loan? and yet you only consider 1 year payment and then 25 year of profit for your ROI calculation, any decent accountant will laugh at your face - which is what I'm doing now, since I am an accountant, lel.

Let me guess, next you're gonna say "but ASB has been proven to give dividend constantly throughout history" - nope, their dividend has been constantly REDUCING in history, it's always in a downward trend and paying ASB loan with the dividend you get only serves as a get rich quick scheme that benefits the bank.

Any decent analyst will tell you paying the loan with dividend is such a stupid thing to do as you are not leveraging on the loan at all. Again, this is why most Malays (with my aunt included) are still stuck in this asb loan loop - oh, woo hoo, pay 600/month for 25 years I'll get 100k in my ASB, but oh shit, they forget 600/month saved for 25 years will give them 180k without counting the dividend.

Malays are just fukin lazy, that's why most Malays are hardly rich, just average or poor.

Corporate rate don't bring into discussion la, bodoh la lu.
If you use the asb dividend to pay for the asb loan, mana ada dividend left, bodoh? Bijan give you donation is it? Bodoh nak mampos la ko ni.

I'm saying those who use asb dividend to pay for their asb loan is bodoh because no dividend will be compounded, why u bodoh fail to realize that, bodoh? Next time read everything properly.

Lol you not smart either. Different people different commitment.
And i don't agree the word "bodoh" that you used to them because it absolutely not.
The risk is very minimal, and the potential to get ROI is much better than own saving. That's why it really rare to see the people punya CCRIS sangkut because their ASB repayment is bad.
Or you got inferiority complex to call everyone "bodoh"? You got bad habit there. Calling others bodoh certainly doesn't make you smarter.
The word just gonna reflect to yourself w/o you even realizing it.

600 monthly paid from using the dividend la, bodoh, thats why there's no compounding effect. Aiyo. Susah nak cakap dengan melayu bodoh yang fail comprehension ni.

Dah dah, thread sudah melencong jauh from original TS question. Point is, taking personal loan to pay asb is bodoh.

How bout i used my cc for ezycash by maybank and use the money received to topup my asb account since asb got compounding interest and ezycash do not.