Jan 6 2020, 11:29 AM
QUOTE(pakmat_tongkol @ Jan 1 2020, 06:59 PM)
Hi everyone, i'm new here. i'm bit confusing about advance loan payment for ASBF. how its work?
Let say i apply loan
Loan = RM 100k
Duration = 35years
Monthly payment = RM505
ok.
SITUATION
every months i paid RM505 from January 2019 Until December 2019, then in early december 2019, i got bonus from my jobs around RM4k. So i decide to make advance payment for the ASBF loan RM3K then i transfer the money in december 2019 in same year and month.
Then this january 2020 i got around RM6k (not include RM3K i trasfered) for dividen, but where is my money (RM3k) goes? it is be deduct for january 2020 until jun 2020 for montly payment or what? so sad.
Otai2 can explain this to me? im such a noob huhu..
@haziqnet
First of all, the RM3k that you paid goes into your ASBF account, not your ASB account. With CIMB, you should have the option of paying as capital or as advanced paymentLet say i apply loan
Loan = RM 100k
Duration = 35years
Monthly payment = RM505
ok.
SITUATION
every months i paid RM505 from January 2019 Until December 2019, then in early december 2019, i got bonus from my jobs around RM4k. So i decide to make advance payment for the ASBF loan RM3K then i transfer the money in december 2019 in same year and month.
Then this january 2020 i got around RM6k (not include RM3K i trasfered) for dividen, but where is my money (RM3k) goes? it is be deduct for january 2020 until jun 2020 for montly payment or what? so sad.
Otai2 can explain this to me? im such a noob huhu..
@haziqnet
Since you didn't clarify you paid it as what I am going to assume that it was paid as advanced payment. This means you do not need to pay the installments for the next 6 months or so based on your monthly installment of RM500/m
btw, the longer ASB tenure is 40-years now, till the age of 65
QUOTE(PrincZe @ Jan 6 2020, 10:48 AM)
Doesn't matter. To pnb, it's 100k plus 4k (if u deposit directly into your asb account)
To bank, since u paid 4k to bank, u don't need to pay for the next 8 months? Korek me if I'm wrong.
Summon sifu wild_card_my
Thanks for the summon and you got it rightTo bank, since u paid 4k to bank, u don't need to pay for the next 8 months? Korek me if I'm wrong.
Summon sifu wild_card_my
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