Boss, you'll need to wait until the units are available as it is limited. ASB2 is not like ASB1 which has unlimited fund.

You mean the ASNB FB? It looks like Astro Channel. Keep repeating the same questions over and over.

6 months without open myasnb?

At least once a week, I'll open the apps, just to see the numbers.

Perhaps Nexona meant it for ASB2. ASB1 has an unlimited funds.

That is hard cap limit. Not the soft cap. Softcap limit will increase based on the dividend every year.

I forgot who says this before.


There are 2 capping.

1. Hard-cap, which is RM200k

2. Soft-cap, which is the total amount of dividend earned since the opening of the account

So if you are smart and start your ASB financing at 200k since you start working, after 5 years, your account would balloon to RM280k. If you take out RM80k for personal use, you can still put it back (the RM80k) into the account using cash.

This post has been edited by Zeroxhunter: Jan 12 2022, 04:48 PM

Can... If you're Malaysia PM or any links with PM or any ministers, especially 'brother'.

can you give a bit more detail like how much you loan? From the picture, i can only assume you loan 3 cert of 200k + 1 cert of 60k + insurans.

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

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

If they use the numbers properly, means ASM1 > ASM2 > ASM3.