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 ASB loan, worth to get it???

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ayamxxx
post Feb 21 2023, 03:00 PM

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QUOTE(Joshua_0718 @ Feb 21 2023, 02:19 PM)
With such a low dividend from ASB, I seriously think whether is it logically to cancel my ASB loan or not.
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ongoing now, cz heading 4.25% offer. good bye my old loan.
ayamxxx
post Feb 24 2023, 03:59 PM

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QUOTE(Joshua_0718 @ Feb 24 2023, 03:39 PM)
Yeah, planning to change it too. My currently with Maybank 4.5% & 4.75%.
4.25% is by CIMB?
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yes cimb. got also 4.20% if take together with wife. but malas
ayamxxx
post Feb 24 2023, 04:16 PM

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QUOTE(Joshua_0718 @ Feb 24 2023, 04:02 PM)
Just called up HLB, she told me 3.8%  blink.gif
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bro pm agent etc
ayamxxx
post Feb 24 2023, 04:30 PM

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QUOTE(Joshua_0718 @ Feb 24 2023, 04:29 PM)
Ok. Waiting for her confirmation. She laughed saying no one enquire on ASB financing already.
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in fb, the agent group are with cimb/affin/ambank at that rates. 4.25%. Later share, thanks
ayamxxx
post Jul 6 2023, 09:42 AM

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QUOTE(salimbest83 @ Jul 6 2023, 09:35 AM)
latest payment go up to 1095 for my loan..

before the series of increase its only 950

pls advice
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Due to higher interest changes. Can we expect a better return of dividend this year next January?
ayamxxx
post Jul 6 2023, 09:52 AM

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QUOTE(salimbest83 @ Jul 6 2023, 09:44 AM)
hopefully its increase a bit la the return..
so many years already defisit
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Still much better than UT for instant. My office mate last year had -29% equivalent to myvi 1.5 full spec price. He still pening to hold or letgo. Inb4 now less getting UT approach like massively
ayamxxx
post Jul 13 2023, 10:02 AM

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QUOTE(salimbest83 @ Jul 13 2023, 09:33 AM)
how that's work ya..
cerita sikit bang.. seriously zero nego skill
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Search agent Asb loan on fb, ask him/her the current offer interest rates. Usually lower than your current. So jump to them
ayamxxx
post Apr 30 2024, 10:41 AM

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QUOTE(myroy @ Apr 30 2024, 10:06 AM)
For me i can afford rm1500+ per month for asb investment, but im quite scared to commit asbf at the moment
And yes i can see i can benefits RM200,000 of compound interest but not enough ball to take asbf Rm200k

Checked on payment schedule
For rm200k = RM1458/month = 16 years
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any reason? currently pay asbf of rm200k for own and rm100k for wife.
ayamxxx
post Apr 30 2024, 11:00 AM

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QUOTE(myroy @ Apr 30 2024, 10:47 AM)
just scared adding commitment, plus i follow asb fb group
Seems many people condemn asbf 

what do you think

Plan 1
Asbf - 16years for RM1458/month

or

Plan 2
asbf - 35years for RM947/month
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that why ask, why? I choose Plan B. Collecting dividen on Jan and use for holiday trip
ayamxxx
post Apr 30 2024, 11:36 AM

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QUOTE(myroy @ Apr 30 2024, 11:26 AM)
in fb group they said not worth to take loan since % not that much nowdays

so you mention plan B = mean take longest loan tenure 35 years?
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its a loan, at least after a year, if u wanna stop no issue to terminate. if after 1 year, Bank B offer better lower interest, sure no prob to terminate loan Bank A and start Bank B.
Been from Cimb to Affin to Ambank and last year back to Cimb cz better lower interest rates. I take longest loan tenure, for sure I wont waiting to setle the loan, just to take the use of rm200k parking there. I use the dividen yearly not as other who targetting to get certain amount after 3- 5 years

This post has been edited by ayamxxx: Apr 30 2024, 11:42 AM

 

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