Yesterday I received wawasan laporan tahun by postman, this is my first time get it although I have wawasan account more than 20years.

Feeling surprise wo.

All the while u guyz ada received laporan tahun every year???

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).

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.

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

Remaining 3% can lim teh .

Lucky, received d

Personally I not keen to have online withdrawal...
Unless they upgraded their security systems...
Some mention its level 1 security like that now.. Needed to upgraded to level 2 or 3 like banks Level... 😑 not uses like those cheapskate octopus bank.. Uses picture captcha... As added security...

But I withdraw dividend only wor.. didn't take out any unit..