1. You can loan an absolute max of 200k, so your first method-attemp would not work

2. Asb2 is currently closed for all banks, only opening for a short while before closing again. You need to be lucky to be able to loan for asb2

So there... You may consider refinancing your asb1 finance if the rate is above 4.85% though

The lowest ASB returns ever has been 7%.

Returns are based on distributions, so will not be negative (there are no such thing as negative distributions)

Capital guaranteed by PNB, RM1 per unit fixed, wont change forever

Yeah, definitely. But there are a few assumption that you need to make, as per any investment return calculation

1. Financing rate is currently at 4.85% p.a., with a 40-year tenure

2. Last year ASB return was 7% p.a.

Since this is a financing (amortization) and an investment (compounding interest), you can't calculate the total returns by simply finding the difference between the two figures. You need to run both accounts (loan and investment) amd compare the results. Check out the examples below.

As per any calculation, we need to make some assumptions. We are assuming that the interest and installment remain throughout the 40-year tenure at 4.85% p.a. and RM945/m; as well as a yearly return of 6.5% p.a., with compounding interest (meaning distribution is allowed to be reinvested into the fund)

a. Loan account, total payment of RM0.453M


b. ASB account, total return of RM2.483M

yes and not

it will appear in your CCRIS

but the distribution you earned from ASB can be used as part of your income