for this effective rate I oredi checked with CIMB fella..they said it is 3.9 + 0.9.

3.9 is BR.

and he also told that BR jarang naik turun sesuka hati compared to BLR. is it true?

for certain bank, yes.

But in this case if u take asb financing and wanted to apply loan with same bank, some ppl tell me will even get better chance to get ur loan approved. e.g cimb, maybank.

Yes, BTW you should treat this as force saving not getting rich scheme.And not all people qualified to take 200k max, but that is the best amount to profit.For 200k you'll be getting 14 k dividend per year (+compounded interest).

But Ali and Mona forget one thing

Assuming by name, both should be Muslim and both require to pay zakat..

Thanks

potong required?

Money game... Bloating the value of currency.... Is there real economic justification of 6.75% payouts? All these to fund bumi sme / startups? Any1 could share the investment portfolio performance of asb fund?

duh boleh aje pegi gugel "asb" and find their portfolio details at asb website...

Took a loan for saving. Really topkek

End of the day, the individual has to weigh the risk of loan default against the reward of having RM8500 more after five years.

For some, it's the fact that one "has" to pay the loan that provides them the discipline to save. Otherwise, these individuals may just spend it because for a loan, you have to pay, but for savings it's the individual's own choice.

So take the RM8500 as a reward for being "forced" to save.

For others who are more disciplined, they might prefer the flexibility of not having a loan.