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