Lol... which reserves? The inflated or actual ones? Also, what you think they have been using to prop these past few years? Lastly, you should wonder how knowledgeable your friend at Khazanah is, that the fella thinks we aren’t already in an extreme global recession .. will definitely take more than 2 years to even begin recovery, much less normalcy. The world (not just the country) is experiencing a massive shift & requires time to resettle.. Gotta give kudos to your huge cahones at still wanting to take on a bleeding loan at such a time. IMHO, the whole buy when there’s blood on the streets doesn’t apply to this scenario.. But hey, what do I know, I only accurately predicted events years before happened.

Seriously, don’t just yet.. unless you’ve got so much money, really no idea what else to do with it and willing to play the “average out” game? Say over a decade? Then okay.. go ahead.. Else, look elsewhere.. sapu low priced stuff now and or simply hold onto your cash and adopt a wait & see attitude. Just my 2 sen.

This post has been edited by voncrane: Apr 12 2020, 02:22 PM

Nah fam.. last year’s dividend was only a shock to those in the dark and or simply choose to stick their heads in the sand.. Absolutely nothing shocking about it. If you know, you know..

And nah, I’m by far not an expert, not even intermediate level.. Neither do I have a direct/indirect line to any PNB staffs.. I honestly don’t know anything, except how to read & interpret humans..then apply it to finances.. Just so happens that I was right and a bunch of true experts were wrong.. You go figure out why such happened.. I’ve given my advice yet again..One I’m sure is shared by many more experts than I am.. Feel free to disregard it as internet ramblings... Pls, go take the loan.

Lol 7% last year, being conservative..well, you got that right Sherlock.. at least you finally admit that what I said is true.. But shocking it was not..c’mon.. Leading me to wonder, where was this your friend 2 years ago while the economy was dipping? Or the years before? Haha.. Now, given your responses so far, I’m beginning to doubt you had a legitimate concern to post in the first place. Perhaps an ulterior motive?

FYI, what you call an essay, is often referred to as giving an explanation and doing due diligence. Some of us can actually use our brains and not rely on a “friend at khazanah”. I explain cuz there might be others in a similar boat wondering when...nah IF... to jump back in so soon. When it comes to finance, I always prefer to have more info than too little info, before committing any of my hard earned money. Some of us didn’t have rich parents or families to prop them up. Had to fight our way up.. So yeah, I’m careful and I advise others to be as well. Simple.

I already told you several times that I’m not an expert (no place for poor me at Khazanah or PNB) so lay off the sarcasm. Also, please disregard my posts and go take the loan right away.. I’m sure you’ll be much welcomed with open arms & drinks..

This post has been edited by voncrane: Apr 12 2020, 03:13 PM

Nah, hard pass.. I’m doing just fine on my own.. Besides like you and “your friend”.. I wouldn’t want to work with people who turn deaf to good ideas and or facts.. Preferring to instead rileks...

Lol... What are you still thinking fam.. ASBF is numba 1.. It’s infallible and can do no financial harm.. I already advised you to go right now and take the loan.. Several times, take it.. bring your other friends, all family.. all go sign 200k minimum each person... For someone who didn’t want to take my original suggestion and adopt a wait and see first attitude. you sure are dragging your feet.. What are you waiting for? Haha.. #sarcasm

Thank you for making sense...

Thank you for your praises. Once again, I politely decline.. I’m still waiting for your proof you’ve signed up.. Assuming you went ahead to do it yesterday.. Oh wait.. you are still waiting..

Fact is fact.. I’ve got past posts to back my talk.. Where’s yours showing it’s UUU? Bruh.. go sign up pls.. don’t wait anymore.. you rugi..

Wow, stalker much.. nvm, always good to meet fans. FYI, I own and use a Minix box. Owned every Android OS powered flagship since the Neo X7... Always have, always will ... well unless they drop the ball or in a case where... I dunno, a far more powerful box that I can keep stable arrives? Been dabbling with Linux distros, Symbian, WM, older gen “smartphones” and later Android back when you were prolly still using some dual-color Nokia or Motorola phone. So I wonder, who believes in my expertise on techy stuff more.. You or companies with serious dev teams and talent WILLINGLY collaborating with me. No boasting, just stating facts. again..As evident by my sig, which if you visit to read my OP and subsequent discussions, clearly shows that I know my....s**t, as you call it. Notice it’s titled “a Review list, and not stuff I own.. I’ve got a long list of forummers I advise publicly & via PMs, plenty more I help setup their boxes.. Yeah, people trust me enough to send their boxes to me for config and I send it back when done ...So yeah, High chance you don’t know s**t about any of these either and I’m not surprised. My past record speaks for itself. So yup, I don’t need to prove my knowledge to you. If I say stuff works or doesn’t? Plenty trust that it’s true and collaborations aside? I’m allowed free rein to bash any products, regardless of my loyalty to the brand. A bad performing product is a bad performing product... Quite applicable to finance too. Feel me?

This post has been edited by voncrane: Apr 14 2020, 09:09 AM

Yup, some of us are actually capable of using our brains and talented in multiple fields. Anyways, This game is boring d.. thought I can keep poking the troll a bit as long as I educate others as well and read between the lines. It’s readily apparent that your intention was never to seek advice but perhaps to generate buzz? Ah, It’s all good, you can rest easy in your confusion..seeing as you thrive in it, whilst still taking my initial advice of waiting.. Oh, you are welcome by the way. Thankfully, I’m clear minded and decisive enough to arrive at a logical conclusion. No begging or seeking funny advice from “insider friends”.

Wow.. come I help you again... Seek out a decent SINGLE life insurance plan that lasts till at least the age 70, as wild card suggested. You can grow the payout as your net worth or debts increase. This way, it’s stuck to you and not whatever loan you’ve taken.. And yeah, if by 70 you still aren’t living debt & financially free? Guess either you or ASBF farked up real good in the end.. Given your recent posts and way of thinking, my money is on the former..

Try check back a few pages.. Some have been briefly mentioned in here. I made mention of a few sometime back too. Sadly, I won’t go into specifics in this thread. As it’s proven to react quite severely to talk of other better revenue streams. If you know, you know la.. Still do your due diligence.

Accept the moratorium. Goal here is to pay as less as possible whilst maximising the cert.. Plus it’s less bleeding.. Got spare cash? Dump in ASB3 or elsewhere but keep within easy reach, just in case things go belly side up after this whole covid-19 crisis and global recession.

Wrong move IMHO, but hey... If you can comfortably take the hit and prefer not to pay up later? Great for you. Works as well.. Less mental stress too.

What to do.. The average young un is typically nagged to buy a house as soon as possible else made to feel like they haven’t “arrived” yet. As for renting vs buying.. IMO, there’s a few factors to consider and there isn’t a clear cut answer as to which is the better one. For me? If one finds a good property in a good location, has no plans to move or be moved for around a decade? and can afford it? I say definitely buy the house. Why? Cuz chances are the average price will ONLY keep going up, due to factors like inflation and Time Value of Money (TVM). TVM is a fancy concept that basically states that spending say RM100K today will offer you more value and benefits than spending the same RM100K say a decade later. An example would be how most older folks bought their large bungalows for far cheaper than similar sizes in the same location are priced today (on average la).

And yep... The smarter folks with at least 200k cash should know they can do so much better elsewhere than earning 10k+- on it after a year. Plus got staying power for the loan.. Hodl mode. Which is why those who started long ago can still praise the loan cuz they rode the really good waves (400k cap per acct & double digits returns) vs starting now (200k cap per acct & just shy ahead of loan interest rate). Obviously, achieving past similar growth is just incomparable. Doesn’t mean newbies shouldn’t start now.. cuz hey who knows, later it’s 100k max per account or worse like ASB2, just shut. You’ll just have to take significantly longer time (in years) to arrive at the same figures as older players. My below average reasonings la.

This post has been edited by voncrane: Apr 15 2020, 05:07 AM

Exactly... Tis just as you mentioned earlier.. The average Malaysian fella simply either doesn’t know how to and chooses not to think or simply refuses to think. Only to later lay blame on other races la, the governments, etc anyone or groups except themselves. Similarly, I'm still a hustler.. Especially when I know folks who for the past 5 - 7 years have been easily paying off close RM20K as their home rental. That's RM200K per year for housing rental alone, not to mention their high end cars too. I'm sure they have their reasons to live like that. I mean, if you earn say RM10M every year.. Paying 500K-ish annually for housing + "toys" is nothing. Now these folks do not see themselves as high net-worth individuals, so who am i to consider myself as one.

You keep spouting this BS and then you say I’m always all about my way or the highway. But guess what, my posts are nothing like that. Unlike you who fits the exact definition of said it’s my way or the highway. You keep spouting this BS about property being illiquid and that people lost money.. Whoa, big deal. Some people either made bad decisions and or happened to fall into some bad luck buying properties..This is perfectly normal. Likewise, now the property market is in a downward trend. Which translates to plenty opportunities for savvy cash rich folks. You'd be unwise not to take advantage of it, just time it right. There's a saying, buy low..sell high. Damn near perfect time to apply this be it to properties or stocks, shares, etc. Restaurants open and close all the time, failed projects. People lose money there too. So does that now make opening a restaurant an always bad choice over say ASBF and one will for sure lose all their money by investing in the F&B industry instead? Logically, you must agree that’s a completely false way of thinking. I got a few places, just 5 years ago people bought at 300k! Today it’s worth at least 700k by bank valuation. Worst case scenario you sell 650 or heck 600 and that’s a cool 300k profit.. Similarly 5xxk landed in S2, again bought 6 years ago.. S2 is certified a booming area, there’s no doubt about it.. Today? The exact same plot is worth over a Million. Worst case sell 900k and that’s a cool 400k. There will be buyers. Why? It’s the good stuff and to most investors, slashing RM100K off any good property is a steal already. Mind you, I'm using valuations as the benchmark and not recently transacted prices. Those can be higher. So yeah, don’t insult my intelligence and yours too by playing dumb, making sweeping statements.. As with ANY business today, if you did your due diligence, all things equal, you’ll make a killing later.

To end, you and those vocal against my ideas used to use...what...8% as future projections "confirmed" get in ASB when making your arguments in the past, some even went as afar as saying it'll never drop below 6%.. WTA, what numbers do you use now cuz I don’t see you or them making such “healthy projections” anymore. Now instead, you’ve shifted to “as long as dividends or distributions are more (even if it’s slightly) than the loan interest or “profit”? Then it’s good enough..

To all, this is a forum.. a public one where people come to share ideas. If you can’t accept such, then I strongly advise you disconnect from the internet as well. Cuz you aren’t doing anyone else any favours.

This post has been edited by voncrane: Apr 16 2020, 08:32 AM

Of course you malas to engage, seeing as you can't offer an opinion that stems from a position of strength. So what's the next best thing? Your lot naturally prefers to attack the person rather than the idea being put forth. I asked simple questions comparing your aggressive marketing in the past versus today. Genuinely wondering why and how it has changed. Given the now apparent reality of the situation accurately predicted long ago. Also I wasn't just using personal data to argue my case. I was using both personal and easily verifiable third-party data. You speak about "MLM and insurance people agents who are successful and now showing-off their warez", what do you think you are doing? Or will you deny that you haven't been using data posted by forummers who opened ASB accounts from at least a decade ago? Citing how it was so great, yet fielding questions about the present and real future? Isn't that doing exactly that which you accuse me off (again)..? See, the difference between your "advice" and mine is that I can and I'm completely neutral about ASB, ASBF, etc. I don't rely on it as my bread and butter, neither do any of my extended folks. If it goes entirely burst today like TH did last year? You know what I'd do? Nothing, because I don't rely on it. The same CANNOT be said by you.

Lastly, one does not need to be a current or ex-banker to understand figures, projections, profits & losses... You only need to apply some of your brain power and time to understand it. For all i know you were a great or bad banker and got laid off.. Then turned to this.. I DON'T KNOW AND NOT MAKING ASSUMPTIONS. Just a theory. However, given your ego and love of boasting over "little" things. I can't see that as being far-fetched. You talk of servicing high-net worth folks. but here's the fact... In the past, if you had say a couple million spare cash. People used to rightly advice to max out ASB1 & 2, then I believe ASW or ASD? I forget (see I'm no expert) but now it's ASB3.. Then pump the others in various investments, etc. Given the situation today, such advice would be ill-advicing the individual in question. Why? cuz it's cold hard cash and he/she can net way much more in choosing the right properties or investment vehicles. Sure, most of these other forms aren't as easy to pull out from. HOWEVER, the end returns far outweigh that I can waltz into a branch and liquidate on the spot. Exhibit A & using the same property field, tons of people made bad investments in properties.. It's a no-brainier that those whom are cash rich will be eyeing a ton of good deals to choose from. Now if as a true high-net worth fella, you ask me.. dump RM600k into the 3 ASB funds (maybe more) to net 30k-ish per year.. I'd rather split that into at least 2 or 3 solid choice properties, pay cash for all, no loans of any kind..decorate & reno a bit and rent out. The rental alone per month can net said individual much higher annually AND guess what? This current prop downturn will return back to normal. Capital appreciations (sometimes doubling in value cuz you bought super cheap, even below launch price) then kicks in.. You sell and regain all your initial investments + rental profits + profits from selling. This is just a single scenario where investing elsewhere can net you significantly more in the same long run being applied to these funds. and thus should be explored if one's goal is to truly make money and be financially free. For those who choose otherwise? Well, can't force you as it's your prerogative.

If you and or gang can comprehend the above and tell me...nay.. show that this is an impossibility? I'll believe that you are a true unbiased "financial guru"... Else, you just agree that someone is right (again) and.....I'll leave that out to your imagination. I'm just here to let others know not to be limited in their thinking or exploration. Always always follow where the growth is, not where the experts simply say it is. You may not catch every large wave, but with even just a little luck, you'll be completely loan-free & hit your goal of financial freedom much earlier.

Bruh or femme... I remained and still am quite civil on this matter.. However, if you recall, you threw the first punches and it's only fair that you get some in return. If you can't accept it? Don't dish it. Absolutely nothing i've mentioned in here is false. If it is? Point it out and show concrete proof that it is.. Else, kindly retreat back under the bridge of which you sprang forth. Seeing as you have nothing concrete to add or put forth, I shall refrain from engaging with you any further, unless you instigate it through your thinly veiled vicious insinuations contained in future posts. So to save us both time and myself, further loss of brain cells, kindly refrain from trolling.

This post has been edited by voncrane: Apr 19 2020, 03:18 PM

No mean to vroom . but Err... why is it now okay for you to respond like this and all the bigots who cussed me out for predicting this are now silent? I did ask for new projection numbers.. Still waiting on em..

Edit...oh by the way and just to be ahead of those who’ll inevitably spout rubbish comebacks... That question is completely rhetorical as I already know why.. Just pointing out the level of hypocrisy and groupthink in this here thread is over 9000!! Wankers.. smh

This post has been edited by voncrane: Jun 1 2020, 06:42 AM

So you mean to say that as long as one has gotten some respect, then it's okay to simply go against the very numbers you are an expert in?.. Hmmm, where have i heard such tales before.. .. Anyways, you still didn't answer the question asked... Instead went on your typical self-ego stroking speeches.. Haha. That's okay I'm used to it by now, your e-penor simply has to be longer.. I'm fine with my not-2".. Thankfully I don't need to write a book about my experiences, skills, etc especially if it's for profit. I rather give em out for free to all as my earlier posts have clearly shown. I hope you finish the book and release it here for free. Perhaps then, you'll answer the question about numbers. I'm eager to learn how to make more money legitimately.

Why hello there.. Don't worry, you'll get a copy of the book alright, to tell you something you should already be capable of figuring out yourself. Actually, you don't have to wait. Just google for how to make $5000 daily working from home. I'm sure you'll stumble upon a "guru" or two's book. You see, folks like you are a dime a dozen and certain folks won't get rich without you. It's all good...Some people have to lose for others to gain... Circle of life.. Lastly, I don't need to prove myself. I think it's pretty clear that my comments from years ago have been proven true.. See that, I didn't even need to write a book or setup an online seminar, etc..Just shared plain truth which some people chose to ignore... You are welcome.

Relax fam...It'll be when it will.. For now, there's just too much bleeding. Whether the powers that be will open em up to raise much needed funds, in fervent hope of making more? We shall see...I mean, money often begets money right.. Oh wait, I've said too much...

Firstly, thanks for acknowledging my specialties.. I didn’t ask you to, but you took time out to anyways. I don’t mislead folks in my field... Besides, no laws against experts in a field offering real world advice in another field. But yeah, good you listen to experts. Just I’d double check especially where money-making and or loosing is concerned.. Secondly, I’ve mentioned im no financial expert several times but apparently the level of butthurtness in this group doesn’t allow or keeps blinding you all to that fact. I’m always, always have been seeking out better more realistic means to make more money legitimately. Heck just got into Stashaway too, after researching em for about a year now. Usual disclaimers, that is not a promotion.. You do you yeah. Lastly, it’s so blatantly obvious who’s trying really hard here... At least I’m not wrong .. Y’all can’t say that outright now can you.. I find it amazing that ppl can go from real profits to oh its okay as long as you make more money than your loan interest...to ..maybe you’ll make money? I can’t guarantee.. And all these while I’ve been saying the exact same thing, just earlier.. and I’m the bad guy? Yeah, I can really see those who are REALLY trying hard here

Nah.. I don’t need a** kissers or simply stroke my ego online at every opportunity.. haha.. Even creating threads just to stroke said ego.. Nah, fam.. I keep it in and real. Feel me? Oh wait you can’t..

Try asking those who signed up last year ya.. I’m sure they are all singing happily.. Oh wait, some people did come in here too and posted their disappointments.. Not just me.. No? .. FYI, you only think it’s a negative attitude cuz I’m not blindly singing the praises you’d like me to sing. All isn’t green fam. Also, I don’t tell ppl not to take ASBF (your money, not mine).. I merely point out the pitfalls and inform others of highly viable alternatives.

Actually I didn’t.. I never said there’d be one. I leave the concerned parties to take their credit for that. Now, an economic meltdown prediction? Yes, I did. I’ll take the claim on that . Thank you.. The downward spirals and performance didn’t need a pandemic to begin getting low.. Now did it? Current pandemic at its earliest only started late last year.. Wait, let me check when returns started dwindling....? Shocking! DEFINITELY NOT last year or the year before.. So you see, the pandemic or not.. more bleeding would have occurred last year and even more this year.. Regardless. It’s just how the money was bound to play out.An economic meltdown was already full steam ahead. Covid-19 merely came and sped things up is all.. Sad but that’s a fact some saw coming. If you didn’t? Sorry.. Can’t help it you didn’t notice or listen to the warning signs.. which were plenty! Any decent financial expert will attest to this, fam..

You are a long-term holder..From way back whe the going was really good. Surely, you saw the difference in how much you made a couple years ago versus last year.. no? Also, Even you mentioned (earlier in here) you’d consider (if you haven’t already..haha) moving more money elsewhere.. Smart! I don’t recall calling you a negative fella for doin that either. See, I don’t call you names for saying and doing the right thing. I can be civil, listen and comprehend opposing POV. Can’t say the same about most in this thread..


Anyways, y’all can have the thread back and continue stroking egos whilst the blood continues to flow in the streets for those not profiteering off the bleeding. NOT a prediction, just a statement of facts.. Sad, I have to resort to such writing. Kek..

This post has been edited by voncrane: Jun 4 2020, 08:01 AM

Yes.. Performed some last year... Maxed out on kid.. Bugger richer than I was at his age.. On the plus side, play cards right and should be able to help towards an overseas Uni education or first crib or a Porsche when the time comes. Fingers crossed it’s the latter..

As at last year.. MBB says no restrictions for parents on withdrawals or even account closing until kid turns 18. Was deeply concerned about this before the move. But reassured it’s not an issue. Of course, must monitor new laws, etc as time goes on and pull all out, should talks of imposing restrictions occur. It is self funded after all.

Trying to gain more through your kid (dump in ASB1 vs self fund ASB3, etc funds..

Unless it easily makes at least RM40K annually and from year one? Please don’t.. They are blardy expensive to raise right, especially in KL.. Younger me used to believe I’d have 5.. Grown me sees the world is crappy enough ... 2 or 3 is my revised max. That third one must be an “accident”.. lol. I kid.. Better to offer an excellent quality of life for a few than a mediocre lifestyle for many. IMO, gone are the days of having up to 12 kids, etc.. Good lawd!

This post has been edited by voncrane: Jul 26 2020, 08:48 AM

ALWAYS house first.. Score that first then only ASBF.. ALL banks will give you grief for any housing loan application. However, ASBF, even in the worst DSR cases, bla bla.. There will be that one bank that'll "easily" approve your loan if you show can pay and drop one year's worth of payments to em as deposit. It's cold hard cash and the banks know that the cert is good to redeem later 1 to 1, even if you default. THEY WILL GET THEIR MONEY BACK. Lastly, you already gave 1 year upfront payment and so guaranteeing them profits for the year, since the first few years of pretty much any such loan, sees the banks taking the bulk of your money monthly repayments.

So IMO, it's not even a discussion which to take first. House first, then ASBF. If you can't afford both comfortably? Well, there's nothing to discuss now isn't it..

If you are willing to commit for AT LEAST 5 - 10 years? I wouldn’t plan on any lesser time. So if you can and don’t foresee any major loan requiring purchase in that time? Take the loan, dump the 30k in ASB2 or other financial instruments. Then keep paying monthly from your salary. For months where it’s a bit tough or overspent? Can go withdraw 1 or more months worth of monthly instalments from the 30k cash stashed away.. At monthly repayments or less than RM1K per month, you already have a healthy 3 year buffer.. Earn on both ends though.

True... Unfortunately, that advice was golden ...what... 5 years ago? This year or say from the past 3 years onward?.. Returns have been poor (steadily declining over the years) and with covid-19 hitting the world the numbers will at minimum remain poor, at best. With finances? MUST go with the times else rugi. So yeah, I still recommend (as a new sign-up) that people only enter if they can reasonably commit for 5 years at least. Why? Poor and expected "poor" returns, coupled with the fact that every loan taker show know that the first few years of most loans are heavily geared towards the banks profit and not yours. Some people barely made any profit from last year. IMHO... After waiting a full year? There has to be something decent to show for it. I believe things will still shape up once again for the good. So you want to have held on and maintained your account for when the good times resume. Cuz then, you have a healthier balance to reap the benefits from, versus say rinse and repeat after 3 years, which in the current market, barely offers much gains (unless got significantly lower new signups interest rates and or benefits, compared to what you are paying now) only resets your high interest to principal repayments ratio again.

Example...HODL for 5 years and say by then profits jump back to a decent 8%? Say earn 12K per year... That's RM260K X 8% vs RM21xK X 8%. If you can afford to HODL? Do the maths, which position would you rather be in? I know where I'd rather be..
*Higher % of my monthly repayments going to paying off the principal..
*Increased returns.
*The whole point of ASBF is compounding the compounding effect.

Edit: Yes, you are correct... Those who be planning on taking another major loan, especially for housing earlier than 2022? Loans that WILL break or max out your healthy DSR? Don't sign up ASBF this year or do so and postpone your loan application till 2022 at least.. This way, you should be able to convince the bank by then (hopefully la.. see markets how) that your ASBF is a + & not -. Otherwise, if you banking on 90% loan approval? Without a rock solid profile and overwhelming (ideally match the loan amount) cash on hand? You won't get it. Expect lower percentage approval.



This post has been edited by voncrane: Aug 8 2020, 10:19 AM

Kindly read my post again..I actually wrote more than I should hoping you or others will understand without overthinking.. if you know you know.. and if you don’t? Well, don’t listen.. Your money, your funeral.. At least you admit profit has been decreasing. Tbh, loan interests too. But still, the numbers are what they are and will take some time to recover. Hence my time recommendation. National/ Global economic recovery isn’t magic. ASB isn’t Tesla or Top Glove shares that can simply jump x3, just cuz someone blogs or tweets.. haha.. Nope.. To end, Some people want to make money and others are just fine with peanuts. I’m no expert.. What do I know..

By the way..

Yes.. But only take it if your plan is to keep paying till loan ends. Generally, we advise not to take it cuz it’s “expensive” (take full takaful for 200k and yes 2 years+ later and you still owing bank 200k+, even though some payments went towards your principal 200k loan... why? Cuz worked into the total loan) and will cut into your profits. Especially worse when worked into the loan itself. Cuz then you pay extra (in interests) instead of just settling it upfront in cash.

TLDR.. avoid it.l get a separate individual life insurance policy... of a similar amount that covers ALL your loans, etc. This separate plan should follow you till end and doesn’t terminate when you terminate the ASBF loan. It can save you added home ownership costs too. You no need take home loan specific insurance either or just take the minimum to secure the lowest interest rates.. if forced to la..


If you invest your own cash in ASB? Sure, you can withdraw anytime you want. But know this, profit (I’ll just call it what it is la..) is calculated on lowest amount per month. So let’s say you invested 100k of your cash today, august would still be zero to the system.. next month onwards only the 100k registers.. if you withdraw 10k in October and replace in December.. come next year ..it calculates as follows:
August....0
September....100k
October.........90k
November......90k
December......90k
January 2021....100k (Thats if you didn’t make any further withdrawals since the last deposit in December, till January ends)

Hope this clears it for you..

If you qualify.....Yes, but Talk to your bank first to confirm no additional costs or fees to be borne.. Also interest “catch-up” & repayments how?...if all good to you? Then take... if extra and you’d rather not cuz can afford? Then don’t extend. Resume payment. Banks have had (still have) some time to strategise proper. Be sure, they won’t be caught unawares by then.

Yup... Expected, and to be fair to em (remember you'll still earn some profit ) I don't blame em either. Unfortunately, money owed is money owed, and we signed...So best would be to apply and wait for the "further details" to be shared with you. Then crunch the numbers, check your financial standings and you'll know if it's worth it or not to bleed a little on the ASBF side, but gain significant breathing room OR, decline the moratorium extension terms/offer, and resume normal payments + accrued interest owed.