Loan 200,000
Insurance 1650 for 5 years
Installment 863 for 32 years

Dividends for all 3 would be almost same rate / percentage..
There's wouldn't be such huge gaps between them for sure... Like example 4% vs 6% 😛😆

So basically...
Can withdraw the first one...
On April 1 on the dot...
But make sure have minimum balance...
Personally... I would keep few K balance... Or worse come worse... Rm 1k +/-

This post has been edited by nexona88: Mar 8 2022, 11:42 AM

I see... My guest is that unearned income is a total of interest and fine if you didn't pay the loan from the start until the end of the loan. Therefore, you wouldn't need to worry about the matter.

This post has been edited by Zeroxhunter: Mar 8 2022, 11:53 AM

U know how to count?
Shouldn't it be 863x12x32?

Yup, I will not close the account. Because I'll need to top up back painstakingly after this.

Okay.
Good planning 👍

Just informed me when u would withdraw..
So I can "adjust" my balance to "look nice numbers" 😆

If you didn't pay from the very beginning till the end of 32 years, did the bank just let you scot-free with just rm832 x 12 months x 32 years? Even ah long also got interest if you did not pay, let alone a bank.


I copied from another bank's websites. Perhaps this is an old one.

PEMBAYARAN LEWAT
a) Sekiranya terdapat sebarang tunggakan dan/atau pembayaran lewat faedah dan/atau ansuran (jika berkenaan), faedah tambahan akan
dikenakan pada kadar 1% setahun akan dikenakan terhadap pembayaran lewat tersebut.
b) Faedah tambahan tersebut dikira atas dasar baki harian dan dicajkan ke akaun Kemudahan anda pada hari berikutnya selepas tarikh pembayaran.
c) Bank akan memberikan notis bertulis terdahulu dua puluh satu (21) hari kalendar terhadap sebarang perubahan ke atas kadar faedah bagi
pembayaran lewat.
9) PERMODALAN FAEDAH
a) Kecuali sebarang tempoh pembayaran faedah lain ditetapkan oleh Bank, anda hendaklah membayar faedah yang dikenakan setiap bulan.
b) Sebarang faedah yang tidak dibayar akan menyebabkan faedah dimodalkan dan ditambah kepada jumlah prinsipal yang belum dijelaskan.

This post has been edited by Zeroxhunter: Mar 8 2022, 02:35 PM

Nolah, i just want to know the calculation.

was wondering where the RM 672k figure came from?


not very familir with ambank punya interface

When you gonna withdraw?

Trying to drag till 1/4

Update us when you sell 1.2.3 😁
We can sapu some

Yesss, please do update us. I want to top up too 😅 small fish but hoping one day can become big fish like most people here

your loan amount should be around 200k, and my assumption is that you are taking islamic loan, therefore, bank will calculate the profit based on the ceiling interest rate based on your agreement.

Trying to drag till April 1.

In any case, whatever I withdraw will not make any difference in the grand scheme of things, unlike the action of real big boys. You guys see me to up liao.

asnb withdrawal online at 6pm, we can buy it immediately?
But the money still not deposit at your bank account? want wait asnb pass it, then have stocks? you don't know when asnb pass ir, so sunday you crazy click till 7 pm also useless, right?

Now you sell asnb unable cents, only accurate 3/4 digits at online?

Why you want continue sell till 1 apr? not one time sell all?

Thank you.

what english is this?

unable understand?

omg, sorry of my bad.

this "mushigen" want sell asnb 123 but everyday sell till 2022 apr 1?
why not 1 time sell big amount?

if withdraw/sell at online, eg. sunday 6.00pm, then we can buy it at the same day same time? but normally sunday not success buy it.

now, withdraw/sell at online you only RM100, can't cents eg. RM100.01 like that? all of you same or not?


above ok or not, all of you understand or not? thank you,

he will drag until 1 Apr and sell it at one time.

Since is big amount, he will go to agent bank/ASNB office to do withdrawal. Hence, it is during banking office hours.

The moment he withdraw, others LYN member can starts to buy his unit via online. So, everyone is asking him to alert us here.