Without figures all I read was:

Fact: bla bla bla
Fact: bla bla bla
Fact: bla bla bla
Fact: bla bla bla

*cough*bullshit*cough*

What a waste of cyberspace and bandwidth

No regrets bro... it's good that you took the time to do the homework before jumping in. Same holds true with any investments. You need to fully understand it before diving in. And you're right... never too late

Old timers like me and Bora, we speak from experience as we've been there. I think when we were 20 sumthing, we didn't have forumers in their 40s to leech off. So we did our due diligence before taking the plunge and trusted our work put into the research.

And if there's anything to take away from the posts and i've always advocated this in my posts is to start as early as possible.

Sometimes I feel a certain group of people feel restless as they don't have privilege of ASB financing due to their ineligibility to have access to the funds. Just a hint as I didn't want to labelled as anything but here- Amanah Saham Bumibutera . That's the reason why a sudden numbers of assumption of saving each month instead of taking the advantage of bank financing gives more return, although calculation and evidence from veterans who's investing it for decades said otherwise. If yes, I dunno why they bother to come here, shouldn't they just stay to the general ASNB thread instead?

Check your banking platform, the date the loan started/executed or disbursed, just count the duration between that date and present date.

Alternatively, check the date of your Letter Offer (LO)
Meh, you were never able to come up with the numbers to prove your assertions. Your advise is useless without coming up with hard proof (of your losses) or even something as simple as projections. Since the returns that you would have had are real (historical), you don't even have to come up with projections, just show your statements so we can point out where you are wrong.

You can't come up with the numbers because you do not know how to calculate the returns from a cash investment, and you know some of us will poke holes in your calculations, so you are afraid to post them.

Believe me, I do not mind people asking the same questions over and over again in this thread, or even something "silly" like the above's "how do I check how long I have been paying for the loan?". I am happy to answer them, because for every question asked I get the opportunity to post a reply. I would be lying if I say I am not prospecting; however the difference between them and you is that they ask and post with humility, while you seem to be proud of being an ignoramus. 

Any numbers that the rest of us came up with you disagreed without any explanations - not that you are able to, so all you could do is repeatedly doing what you do best, blabbering like a nitwit.

I am open to discussions but you are coming up with nothing but air. There are two of you in this thread. No numbers, no facts to back you up, just talk.
Each time we ask him for his calculations he says "don't want to share with people/agents like you". Sure, I have interests to sell the financing products, but attacking me based on my job/business instead of my logic and content of my arguments is simply ad hominem. I don't expect much from him, but really disappointed with the quality of replies in this serious subforum.

Asking people questions smh. If you know all the answer, post here la so everyone can see. All talk again. ASB dividend so easy, everyone can just do simple googling. Bank rate is dependent on the bank itself, it varies for each bank and it changes all the time.

Haha no you don't. You keep parotting this as if that would make it true.

We have shown calculations (historical) over and over again but it kept going above your head. If someone listened to you 3 years ago and invested RM1,100 each month as cash he would have earned less than someone who took up financing, paying RM1,100 each month; with both going through the same timeline at 3 years.

And as of yet you still haven't been able provide a cash-investment calculations, because you don't know how to calculate it. Id like to see it, how you can back your assertions... Until you have done so, you are nothing but hot air

Everyone is making fun of you because each time you post, you further reveal your ignorance.

to this.....

i cannot believe people are still arguing about asbf when bora prisoner and buggie already showed their success in ASB financing.. there are many calculations being shown here before.. i seriously think someone need to open up a new thread with FAQs showing all the calculations so that no one will deny or having doubts about ASB financing

Lol... It's called sarcasm. Hingus tak kering lagi ke?

You must say "I don't quite understand" a lot. How do you live your life like that?

Bro, don't bring /k mentality to this thread laa. This is finance section, if you have opinion and you disagree with someone, grow up balls and back it up with fact and calculation. Not just baseless assumption.  Mod should do something already, it's getting annoying arguing with someone who has a thick head like him.

U must be bodoh or slow at counting, yes manually saving is better IF UR FATHER GIVE U 200K PUT IN ASB LOOOOL.

just questioning...
isn't it better to take loan when one can buta buta gets 1% dividend then use that 200k to invest to get that full 6% dividend?
Double happiness?

it is. but only if got 200k cash ready to buy in. i guess not many of us are that privileged

sos

irrelevant. You need to compare apples to apples comparison.  even with 100k in cash, you can make more by taking up a loan and investing the RM100k in the same or other ASNB funds

Ignore that fella. He wAnted to increase his post count only. Same goes at other threads. Pure troller

Bro, I've done the math. Unless asb gave below 6 sen dividend, self contribute cannot beat asbf returns. Obviously you shouldn't trust strangers in internet even if that stranger have master's degree in math, so go on do you OWN calculation.
Simply divide your total money in asb+ 1 year div with the initial money you have put there x 100.
Compare that with total 1 year dividend asbf 30 years installment divided by 1 year installment x 100.
You'll get your answer there...

Can you guarantee it will decrease below 6 in the future? Basic economics dude, you're just barking based on baseless speculation. Don't talk like you're an economist when you don't even know how interest, principal payment and dividend even works.

*dafuq I topped the page again for the third time, and all are the post replying to this troll. I should stop and put this dude in my ignore list. I can't brain that I have lowered my IQ arguing with this ignorant.

easy, if u think the asb loan no longer be profitable to u, can simply terminate asb and get back ur money in the prinsiple.

but remember, if the dividen rate much lower than lending rate, of cos bank also scared and mybe lower the lending rate. if not. every1 will terminate asb loan and bank no longer hv business in asb loan.
this asb loan is kinda risk free to bank and easier to liquidified the cert if anything happen.

U're better off with FD at least they GUARANTEE u since u like guaranteed investment so much hahahaha

like i said, example if not profitabke anymore.
this is my last post , stupidity at it fines.

wrong, it only take less than 1 months now. i did terminate mine last year and its very fast. get back the surrender valuer included the takaful within 2 months.