1. Actually investment ROI doesn't work that way. You cannot figure out the ROI by deducting the capital outlay off the maturity value.

Consider investments in properties, like purchasing a house for rental. For an RM200k mortgage, you would be paying RM1k a month for for 35 years, after the loan is finished, you would have collected all the rentals and the house value has increased, would you deduct the [house price + rental] with the [installments paid]? No you would not. In 35 years, the house and the rental collected is yours to keep - no one would be knocking on your door deducting the value of your house because you "have paid RM1k a month for 35 years". You would already have paid for those installments

2. But to help you with the calculation, I will do it anyway. But please, don't take this figure and deduct it from the RM2.483M. If the assumptions are correct (Rate remains as 4.85% p.a. each year, and returns are consistently 6.50% p.a.), the RM2.483M would be yours to keep, no money would be deducted from this, no one will ask you to pay for the interests or installments anymore as you would already have paid for them:

a. After 40 years, suppose the installment remains the same at RM945 a month, total installment paid to the bank: RM453k



b. After 40 years, suppose the installment remains the same at RM945 a month, total interest paid to the bank: RM253k


Dapat. But you need to convert to Islam first
Imagine the ASB dividend for this year is 6.5%. Those who didn't do sign up for the ASBF when they had the chance would have lost money through opportunity costs this year, and last year, and last year, and last year.

All i am saying is that the investors who utilized the ASBF has been profiting off the scheme. The ones who have been losing the opportunity (Time Value Money) can only seat at the sidelines, hoping others who took the initiates would lose money. Kinda sad when you think about it.
See hellkvr, those who are ineligible are so fed up with the situation as they are barred from profiting in this economic activity, yet there are still many who are questioning the feasibility of the scheme. Really sad and funny when you think about it     

I see, so you are eligible to open ASB account and qualify for ASBF but refuse to sign for a financing ? If you had said this was because of a combination of these concerns:

a. lack of  confidence to service the financing installments,
b. interest-rate risks (variable financing rate)
c. distribution-rate risks (returns may be lower than expected)
d. your portfolio being affected by two (2) risks explained above

Or any form of legitimate concerns that we can both discuss and go over - the worst that could happen was for us to agree to disagree but remain respectful and amicable to each other.

However: "say no to tongkat offering aid to bumis means look down on bumis say no to racism against bumis" is not worth any good response from me.

Have a good day.
The best time to start your ASBF is at the age of 18, the next best time is NOW
No, you just need three (3) months payslip. The idea is that the bank financing would provide you with the RM200,000