The only regret I can say after taking this ASB financing is
Why I didn't start earlier

You can soal, but plenty of soalan adalah soalan kurang bijak.

Why not hire those people who can make tons of RM? Well first of all you need to understand the role of ASB, ASNB as UTMC.
Can. Masuk Islam.

Not kidding. Chinese (or any other race) Muslims (mualaf) can invest in ASB. I have many mualaf clients.
To sell? Nope. As long as your loan balance is lower than ASB balance, you are good to go. RM200k that you took will always remain as RM200k. So you will never go bankrupt with ASB financing, unlike mortgages-properties.

I told you, it is not "3%". Reducing balance vs compounding interests.

Penatlah!!!!!       

the same with epf.

i wonder why no bank willing to loan epf member loan 4.5% and contribution every year getting 6%?

Unit trust is private money. Why should it settle the national debt? The kinds of questions Malaysians ask are so... 
No hidden fees (except for the RM60 one-off setup fee, payable to bank), and no lock-in period thus no penalties. Installment for that amount and tenure is RM903/m.
Not really. Because throughout the time you have been investing to reach that 200k limit, you would have earned dividends right? These dividends would have increase the softcap of your fund anyway.

Btw, it should be referred to as distribution, not dividends, sometimes I am guilty too. Malas nak reedit

All questions are good question.. depend on how ppl r open-minded enough and willing to front it or not...

Effectively the bank is giving you a loan for less interest rate than the rate you earn from investing it back into asb.

Its like a chicken and egg situation, they both rely on each other to get tru the deposit loophole

this will never happen in a free economy

Bro, so if you put it your own money monthly rm900 then after you hit the 200k ceiling in 16th year, meaning you dont have to pay the rm900 monthly anymore?

For 17th year onward just watch your money grow until 1.8mill is it?

well you all know what people say,

if it's too good to be true ...

I have 100k loan asb at 23 y/o (2017), the first year divident i use to pay my education loan lum sum (ptptn & mara), the second year (2018) still didn't touch.
I wonder how much I have in the next 3 years if i sell huhu, but anyway this has helped me alot to be discipline.

We are talking about cash or asb financing? In either case, both examples require you to continue to invest for the next 35 years.

The bumi is just the mule in all this. The bank is using this as a way to loan money to themselves to earn that investment management fees, while offloading the liability to the bumi. If the investment fails then the government is forced to come in to guarentee the loan.

What i say is incorrect?

Im talking about cash. Not loan financing

1) why need to continue pay until year 35 if already hit the 200k limit in year 16?
2) cash financing is liquid right? You can withdraw it anytime you want?
3) which will generate better return after 35 years? Own cash or loan financing?

Thank you for your feedback sifu

So in other word, every eligible asb people can generate money out of thin air la?

1. No one said you need to continue paying, you can stop anytime. But I can guarantee you wont reach the 1.5M target I posted above

2. Yes, anytime, during fund hourse, Sunday-Friday, 9-4PM

3. As shown in the first graph. Financing yields RM300k more in returns.

1) Ok, now ayam confius after reading 4 pages of comment.
I thought limit is 200k? If continue paying sure exceed 200k?

2) so better take loan? Hmm..

Not much liabilities

1. no negative returns (unlike UT)
2. no loan guarantees, it is treated like any other loans 

What you said is incorrect and misleading, but I cannot expect more from you 

Thin air? Would you describe that with properties? 

Because ASB-f and mortgages have the same principle. Collateral-borrowings