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.