Haha,I pun pening .
So which way is better ?????

Our own way always best way

I realised financial mathematics is most complicated from my engineering mathematics...lol

Same as yesterday a forumer said 1.68% 1 time interest ,6 month period.

So we cannot take the loan put in asnb 6%????

Uncle, can la..

The most important thing you missed out.. if after you paid off in one shot, can still top up the loan installments amount to asnb.

Salah calculation.
It was 3% of 7 years earlier vs 6% gains after 7 years.
Option 1,
You paid off 100k car loan.
No money to put asnb.
But can top up asnb 17k every year for 7 years.
End of the day asnb got 150k with 6% compound.

Paid 100k, left 150k.

Option 2,
You borrow 100k car loan.
100k in asnb.
Paid loan 17k x 7 = 121000 over 7 years.
Asnb got 150k with 6% compound.

Paid 121k, left 150k.

Uncle, I draft quite quick, ask me again if I missed out anything.

can you give me the same guarantee of 6% for ASNB for the whole 7 yr tenure?

if you ask me, i buy a RM50k car and dump the 50k into ASB. setlle. 

this is my personal opinion,
what if you cant topup 17k every year ?
also seem asm so far only special day can  topup    (i new player this year though)

lucifah also make a good point on this
based on the rate from 2014 , asm 2 & 3 keep dropping lucky this time maintain at 6.00..

Same as yesterday a forumer said 1.68% 1 time interest ,6 month period.

So we cannot take the loan put in asnb 6%????

its not risk free

every month credit card must pay on time, or the interest will spiked to 18% p.a.

Ic.
Before apply must confident can pay on time.

this is my personal opinion,
what if you cant topup 17k every year ?
also seem asm so far only special day can  topup    (i new player this year though)

lucifah also make a good point on this
based on the rate from 2014 , asm 2 & 3 keep dropping lucky this time maintain at 6.00..

If I have cash 100k now , I prefer keep in asnb then pay installment.

100k car loan , 7 years ,3%= total paid 121,000 .
100k keep asnb ,7 years , 6%= total 142,000 .(excluded compounding).

** ???? Apa salah ????

Salah calculation.
It was 3% of 7 years earlier vs 6% gains after 7 years.
Option 1,
You paid off 100k car loan.
No money to put asnb.
But can top up asnb 17k every year for 7 years.
End of the day asnb got 150k with 6% compound.

Paid 100k, left 150k.

Option 2,
You borrow 100k car loan.
100k in asnb.
Paid loan 17k x 7 = 121000 over 7 years.
Asnb got 150k with 6% compound.

Paid 121k, left 150k.

Uncle, I draft quite quick, ask me again if I missed out anything.

If u have 100k cash n opt to take car loan based on the above terms.
U put the 100k cash in ASx, then every month u take out 1440.50 to pay your car installment.
At the end of 7 years after paying off the car loan, your balance in ASx is 1281(including compounding dividend), not 142000-121000=21000. Assuming ASx dividend is 6% for 7 years.

The car loan 3% is not half of the 6% dividend, that is what I am saying where many make mistakes.

Why so complicated?
U have 100k cash:
option 1 use it to pay for the car, no ASx.
option 2 take a car loan 3% interest, put 100K into ASx n every month pay 1440.50 car installment for 84 months, in the end ASx balance has 1281.

wah so much discussions going on..
looks interesting & refreshing from the normal updates... can get more info...

but I needed to remind also.. it's kinda    too

Why so complicated?
U have 100k cash:
option 1 use it to pay for the car, no ASx.
option 2 take a car loan 3% interest, put 100K into ASx n every month pay 1440.50 car installment for 84 months, in the end ASx balance has 1281.

Not really, it was about pay car loan or put in ASX.