this one i truly understand. i like to make the balance of the total investment many zeroes at the back, so i purposely top up the amount so it just shows xxx,x00,000.00

So good offer 1.68% one time interest for 6months installment .
Personal loan ar ? What's the amount can apply ?

Boss , y mine show star but yours status is staff ?
Icon only ar ?

because stars and post counts doesnt mean a thing to me. LOL

so i traded them for a nice, bright red badge

Look cool .
I tot u r admin , anytime can kick someone .

Thanks for the explanation .

I see, ptptn got some hidden fee in addition to 1% interest. The loss of 5600 is 15 years years earlier, but return @ 6% or 4% is 15 years later, cannot compare like that.

Anyway, for clearer comparison, assume your niece is borrowing only 22.4k at the first place. No discount, like buying house.

Option 1 is paid full.

Option 2, from 22.4k to (28k + 4446) over 15 years, is equal to loan rate at 5.15% (monthly repayment 178.89).

* Saving guide for option 2, I read certain credit cards with online transaction rebate works on ptptn, like pbb visa signature (6%), quantum master (5%). I couldn't verify this, if interested go check out for her.

As long as can generate more than 5.15%, then it is good deal. ASNB is 6% now, with some risk taken when bursa crashed, it is easy. But again, if your niece is not financial savvy, then better paid off the loan.

This post has been edited by vanitas: Nov 17 2018, 06:11 PM

Uncle don't off topic liao
Later you kena kicked, I am bored too, need someone top up more than me only got motivation to keep top up.

This post has been edited by vanitas: Nov 17 2018, 05:57 PM

I guess you are referring the hidden fee to the insurance charges? For that I guess we can safely ignore it as mine is like less than RM30 a year for like total debt of double of this 22.4k

Other than that, I fully agreed with you

One intangible benefit for full settlement is that you enjoy a peace of mind for eliminating one loan as RM5k++ is negligible over the period of 15 years

Wooaky .

Well just to make you happy..
Just think all 3 fund have almost same dividends rate..
No differences which u have...

Be positive 🙏😊

Not sure what are the hidden fees, if I use loan calculator, 28k for 15 years at 1% interest, monthly repayment is 167.58, but in his case is 178.89, which is 1.9% in my loan calculator.

Anyway, don't off topic too much in asnb thread. I also scare kena kicked. Haha

loan amount limited by your available credit card limit

This post has been edited by john123x: Nov 17 2018, 06:24 PM

Is it this offer available most of the time ?? Or limited time promotion ??

Not off-topic I believe ...i bringing this topic to compared between dumping that RM22.4k in PTPTN vs ASNB...which is real scenario which i’m considering now.

By the way, thanks a lot for pointed out some important points which i missed.

I will closed this discuss and back to top up figure discussion

Like u guyz said , don't buy car with cash 1 shot since 3% car loan vs asnb 6% .

Remaining 3% can lim teh .

This post has been edited by DBHILUHDAQWISRTNJ: Nov 17 2018, 06:32 PM

i know bout it from SMS

[attachmentid=10109314]

As I know hlb offer 200k loan for bumi to purchase asb with 4% (if not mistaken).
How come this only offer 1.68% ? Beware of scam , berhati hati bang.
Or maybe I think too much.

Better visit branch to confirm , if real sure loan to max.

This post has been edited by DBHILUHDAQWISRTNJ: Nov 17 2018, 06:36 PM

Noted.

i'll be careful.

that 1.68% is a one time fee for a 6 months period loan

totally not the same

More details attached..google hlb 1.68% can view full tc

This post has been edited by veera77: Nov 17 2018, 06:43 PM


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