Hi.
Currently, I have an asbf at Maybank. It is conventional loan.
Can I change my asbf conventional loan to Islamic?

Will the ASB account will be affected?
I mean the 200k certificate and the dividend.

Hi guys if I Wana check quota for ASB2 loan must I call PNB n check it?

Okay tq. What if the existing customer terminate the account? Will the bank notify us? Or the waiting list, 1st come 1st serve?

Limited amount for ASB2 as well? Tried to add more investment but failed due to insufficient fund available. Didn't know ASB2 got limited fund as well.

Hi sifus,

My friend told me he is offered a MBB ASB1 loan with IBR + 1.85 = 4.85% for a 200k loan. I checked mine (loan coming into 5th year already) and Im paying IBR + 2 = 5%. Searched through forums and found out the 4.85% has been given for some time already since last year. Super sad cos the difference is like RM390 a year for a 200k loan.

Went to the branch where I made the loan and was told to fill an appeal form to reduce my profit rate. 4 days later, rejection letter came. I have a feeling MBB wants me to refinance. My question is:

1. Is it tedious to refinance? I have accumulated dividends in ASB1 and will I have to withdraw them all when MBB put a fresh 200k sijil? I prefer not to as very hard to find safe passive investment with high return like ASB. Also, what will happen to my takaful cert when I refinance? Will i get the remaining premiums back (loan for 25 years, so 20 years unused premium paid should be refunded right)?

2. Any other banks offering better rates than MBB of 4.85? Im working in a statutory body (so govt right?) and I think my credit score is ok (never missed payment).

Really tawar hati with MBB already Thanks in advance sifus

if bank interest is 5% and ASB profit 7%, we untung only 1% la?betul ka?so bank untung banyak?

For 2019 so far;

ASB2 6.0%
ASM 5.5%
ASB3 5.25%
ASM2 5.0%
ASM3 5.0%
ASB ?

I guess around 6.0-6.5% (distribution + bonus) based on fund size & 2019 trends.

Which banks have the best rates for ASB Loan nowadays?

Probably out of topic but anybody make sijil of their ASNB sijil and make OD?
I have 100k of cash investment in ASB1, thinking to make sijil and OD for emergency fund. Anybody know anything about it?

Just got a letter from tiger bank. My monthly repayments reduced by RM40.00.

Who plan to terminate and want to reapply might have problem then..

You are most welcome!
Anytime soon now. There would probably be leaks before the official announcement too

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gg la kali ni

aku bulanan 1226 x 12 = 14712
bini 1156 x12 = 13872

so now monthly kena topup 301+231??

Yes, but that RM600 unrealised profit cuma akan dapat at end of tenure, if u go back 30 years, the return cuma akan dapat in 30 years time,

by that time, if you present value the amount RM600 unrealised profit by inflation rate for 30 years, berapa je tinggal the present value of RM600 sekarang.