Hi bro, there's a thread about asb loan.

https://forum.lowyat.net/topic/667676/+1560

U non bumi or bumi??
Ask kwsp & pnb first if there available slot for asw2020 for kwsp..

The dividends will be credited back to your EPF account and will be as such until you reach the required age set by EPF. People used to transfer a lot from EPF to ASNB FP when the spread/margin was more than 2% but no so nowadays. We'll see what EPF declares this year but they've already said not to expect high returns due to market conditions.