ASB LOAN, /k expert please kambing help
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 Sep 2 2016, 08:13 PM, updated 10y ago
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#1
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~  
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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  |
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Sep 2 2016, 08:19 PM
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#2
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(mr zero @ Sep 2 2016, 08:15 PM) If u no other commitments why not but for me i avoid asb loan as it'll my ccris bad u got ccris bro? |
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Sep 2 2016, 08:22 PM
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#3
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(Super Saiya @ Sep 2 2016, 08:19 PM) tiba2 dividen kurang jadi 5%, willing to take risk? every year this dividen will be revise ke bro?QUOTE(KoChun @ Sep 2 2016, 08:20 PM) worse than Genting. But don't take my word for it, 1 yr later u see. genting oso got ka? how about UT? |
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Sep 2 2016, 08:23 PM
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#4
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(bugijun @ Sep 2 2016, 08:21 PM) Better draw epf to pay for the loan, on first year only yeah...i think so... thats y i need to wait a year to withdraw it.....QUOTE(mt24 @ Sep 2 2016, 08:22 PM) Asb loan ok personal loan if ayam not mistaken 6% liau...damn highPersonal loan not ok. |
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Sep 2 2016, 10:50 PM
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#5
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(pokie182 @ Sep 2 2016, 08:27 PM) I took asb 100k and paid for the 1st year. The rest goyang kaki. wew..explain moreQUOTE(pagi makan roti @ Sep 2 2016, 08:28 PM) Ask Mr.docter how much he got after cancel his asb loan for how many years where he is..  QUOTE(xeda @ Sep 2 2016, 08:32 PM) 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. explain more berowQUOTE(pr0pofol @ Sep 2 2016, 08:44 PM) TS, kan abah dah cakap, bila berkawan tu pilih la kawan yang pandai ok abah..maafkan saya abah...ini yang bodoh piang bagi advise mangkuk yang ko pilih QUOTE(mt24 @ Sep 2 2016, 09:01 PM) Ts ni pemalas. Dalam finance nye section pon panjang lebar diskas pasal asb loan. sori2...x tau...hehehe |
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Sep 3 2016, 07:06 AM
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#6
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(Mr.Docter @ Sep 3 2016, 07:02 AM) Didn't cancel yet. pmEdI am changing my plan. Instead of playing short game, I am going for 400k minimum for as long as I can. |
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Sep 8 2016, 07:11 AM
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#7
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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want to ask again....all of the bank got Lock-In Period ???? means within 3 years cant take the money or take the money and will get penalty which is 3%.... is it correct?
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Sep 8 2016, 07:05 PM
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#8
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(KoChun @ Sep 8 2016, 02:15 PM) i mean return from UT vs Genting. still wondering which is good... asb loan vs ut vs public mutual. .since ma fren from machiam2 pahaman.. but trust /k more.. bcoz UT charge fees, see how well they works out. |
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Sep 17 2016, 08:39 PM
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#9
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(KoChun @ Sep 17 2016, 08:26 PM) looks like you are sincere. last a few days ago....aym oredy go to bank...ask them about asb loan... ask them public mutual...ask them macam2.....so finally....clear about it....i will not take the asb loan although most of bumi taking this...much better i put my money at unit trust and tabung haji...so I offer these words to you. First ask yourself what do you want? Then work out your financial plan. Find out what is economic cycle Find out what is the state of the economy now. Notice the time frame / period Choose the position you want to take Once you are clear with the above, then research on the tools that can get you there. (you know how to read book, use internet and library) this is just what i am think about... if u have suggestion, do tell me bro.. |
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Sep 17 2016, 08:54 PM
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#10
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Junior Member
340 posts Joined: Jun 2012 From: ~Negara Bawah Bayu~
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QUOTE(mt24 @ Sep 17 2016, 08:49 PM) I once like u. Research here and there and later decided that loan asb is not for me. if u start early ..i think ok... but the loan intrest is about 5.15% something for every year...so i think i wont take it...Only this year i realize that i should have started it earlier. Don't be like me. |
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