Which part of Negeri Sembilan? If Nilai/Seremban I think no problem.
I'll ask him.

Please PM me the contact..

I still don't understand this ASB Loan.

Assuming that I take 20k loan for a period of 25 years, is it even worth doing so? Based on MBB's schedule, the repayment is RM124. So, how does the 3-year termination of the loan works in this case or does that only work for high loan amt? Can ajar sket?

This post has been edited by honkkydorry: May 19 2016, 03:46 PM

Sudah send abang~

affin ; panglima alphaone / syazwan
cimb.. too many cwa.. tapi dulu got agent promo cashback 50% 1 month installment kalau asbf 100k & above.. + free cimb gift bag

Park here for asb loan.

Need to consider self as high risk or not first.

Yup. This is my contact too

Follow this FB Group for more info. There's a lot of bankers too.

CIMB better... 30yrs.. optional takaful..


mbb


konsep sama je 20k / 200k... ikut budget & matlamat

So kalau I terminate dalam tempoh 5 tahun, I akan dapat balik amount yang I dah bayar untuk 5 tahun tu, ke? Sorry la noob sket.

This post has been edited by honkkydorry: May 20 2016, 08:16 AM

monthly installment tu ; loan + bank interest & takaful...
dapat tapi x full.. kena refer outstanding balance...


compunding divididen 5 years..
boleh dapat +/- 9k

This post has been edited by HolySatan: May 20 2016, 02:32 PM

Thks bro. Please check your PM...

Guys, need your advice for my current situation. Just opened my ASB2 account last month during the Amanah Saham Week in Tapah. I applied ASB1 and ASB2 loan from two banks MBB and RHB. Thinking to renew ASB1 is because better interest rate 5% compare mine CIMB currently 5.2%.

Currently I have ASB1, details as below :
ASB1
CIMB Loan RM200k
Interest 5.20%
Tenure : 30 years
Monthly installment : RM 1,102.00
Loan Approval date : 4/4/2013
Latest update ASB Baki Buku Semasa (22/4/2016) : RM 43,231.83

Loan offred by
Maybank:
ASB1 : RM200k / insurance RM4408 / 25 years / 5% / RM1098 per month
ASB2 : RM200k / insurance RM4408 / 30 years / 5% / RM1195 per month

RHB:
ASB1 : RM200k / insurance RM1970 / 25 years / 5% / RM1181 per month
ASB2 : RM200k / insurance RM1970 / 25 years / 5% / RM1181 per month

My question is, which loan should I go for????
Some say lower monthly installment is better ROI regardless years tenure.
Some say longer tenure will lower ROI instead.


Need your education, please and thank you!

Thank you bro... but my Maybank Banker has offered 5% rate...

Nice. 30years for ASB1 too?
How to get? my ASB1 loan 200k 5.2% for 25years old only

maybank 5.0% rate only for promo Minggu Saham Amanah Malaysia (MSAM) 2016

Hi all, anyone know where I can get ASB list of company they invest in. My main concern is the syariah and non-syariah compliant company, as I heard they invested in a mixture of both. The non-syariah company is a conventional bank, Maybank if I am not mistaken.

For Public Mutual, they give out their QFR (Quarterly Financial Report), and listed their top 5 companies, maintained by a 3rd party legal advisory body - Zico Law to oversee if the funds are syariah-compliant. If the case lets say the fund invested in a conventional bank (like Maybank), Zico Law will take action and deem the investment as not syariah-compliant anymore.

However, I know most don't know (or don't care). anyone know on this matter?

yourself
I can't recall where did I put my copy of list of all companies ASB invested in.
But the only concern is Maybank. And JAKIM have published booklet to answer that. See attachment.

Also, please listen to explanation given by Dr Asri(Perlis Mufti) on the issue.


If I remember correctly, only Selangor and Perak Mufti decided that its haram based on their consideration. The rest of Mufti aligned with Dr Maza's view.

 FAQ_Hukum_Pelaburan_ASB.pdf ( 3.05mb ) Number of downloads: 53

tahun 2009... SC menilai tidak patuh syariah sebab bank conventional & MAHB

This post has been edited by HolySatan: May 23 2016, 08:02 PM

A lot of debate already with asb halal or haram...
I will go with majlis fatwa kebangsaan = harus

Betul pasal Maybank & MAHB tu
Tapi actually PNB tak pernah di audit oleh Security Commission(SC), dan tak pernah apply untuk diaudit pun.

Great
For more discussion on this. SC people also is inside Majlis Fatwa Kebangsaan.


To summarize, pengharaman adalah based on puritanical view. Majlis fatwa kebangsaan ambik kira broader sense. So nak ikut mana-mana pun bole.