Easiest way is to check from the latest loan details/statement. Id like to analyze yours and share my findings, but I understand it is a very personal matter. These statements are my "raw materials" that I go through and share with my circles. Unfortunately I haven't got any hands on MBB's as most of my circles have migrated to other banks.

I have their 2018 loan statements, but our concerns are most likely the interests chargeable during the BR reduction month. I am sure I can see through the numbers if I can get my hands on a loan details/statement. It has to cover the months of March to May 2019 and show the outstanding loan balances throughout the period. I would also need to know the BR + [spread] figures. That's about it.

Something like this (without the numbers removed) would be very useful. Any volunteers?


Figure 1. Redacted figures of a loan statement from MBB ASB-financing account

Ah, for visibility purposes of my sharing and discussions inthe ASB thread in the Finance subforum, I would share my posts in this thread in /k/ - for the visibility which is important. In any case, due to the more serious nature of this thread, and the fact that I can delete people's comments, I get to control the narrative . In short, this thread is important due to the :

1. Reach
2. Control

ahh I see, thanks for clearing that up!

so that means my cash-investments can act as emergency funds also if need money ASAP, since not much Hussle to withdraw them

Me and my wife still kinda blur

She took 200k asbf from maybank, she is 25 y.o, and every month she is paying rm1004.3 since May 2019(8 months already), she cant remember the rate.

How much she profited if she were to surrender the cert?(excluding the initial principle)