MBB playing tough nowadays...only give 5.0 to existing customers by credit rating. and who have PTPTN and you didn't pay well, forget about taking ASB Loan. They're linked now. (this is what my banker told me) but I think this is a good move. Pay your hutang first la then talk about other investment.

ASB loan is for everybody, ASB is for bumi only 

Hi everyone.

I am ASB Financing consultant from CIMB. Feel free to ask me on:-
-advise
-technique
-info
-apply

I can meet you every where. Promo rate is still going on 5.0% islamic.

PM me.

Just want to share the difference between ASB saving and ASB financing for those who still dont know.

ASB financing VS ASB saving
===================

RM1100/month
Dividend rate 7.3%
Period : 5 years
----------------------------------

ASB financing method

After 60 month / 5 years
Financing balance = RM184,147.00
Cash = RM15,583

Interest compounding = RM84,464.00

Total cash in ASB account
RM15,583 + RM84,464.00 = RM100,047.00

ASB saving method

After 60 month / 5 years

Cash in ASB account = RM79,352.00
Difference RM100,047.00 - RM79,352.00 = RM20,695.00

With the same amount of commitment you will earn more with ASB financing.

'BE SMART INVESTOR'

For more info please call/whatsapp me at this no. 011-10785052

Im just sharing the difference between saving and financing...big figure will be good for example...

but it u want to apply ASB financing make sure only do with an amount you can afford...if not it will be a burden to you...

btw, November should be the last month to apply for loan, right? because I heard banks doesn't disburse money for asb certificate in disember...??
Yes correct...this month will be the last...u also will get a month of dividend from this year...simply said free money for those who start invest now...because u only will start your repayment at January next year...

Last make sure before u invest, u already set your goal. For example, buying your dream car/house, saving for retirement and so on...
If u r interest please pm me...

usually after disburse there will be a month gap for repayment...

its ok bro...i can help u from 30k to 200k...but u only can get full benefit after 30 years...if u surrender earlier the benefit/return will be less...

for below 200/month u can apply for RM35,000 asb financing only 192/month...

pm me your no.

or take my no. 011-10785052 (just tell u come from lowyat)

no problem bro...or if u want to make for a long term of investment, Private Retirement Scheme are suit with you...minimum only RM100/month...u only can get the money at 55 years old...same like KWSP...but with more return 8-10%...

if your age below 30 years old u can get incentive RM500 from the government if u start invest min 1000...after that u can proceed as low as 100/month...

hi there...yes i can help you...

50k loan for 2 years, i calculate dividen rate 7.3% u can get from compounding total 7,500.00

for your principal balance after surrendering your loan i need to know your investment period...

if u want to know more please pm me

Your balance money after you surrendering your asb

How long your current asb financing? 25 years?

yes i been told like that. When u take out all the fund in your ASB account it will be reset (might have another terms/name)

but you can always confirm with the bank to check what is the max loan u can apply. Only give ur IC and full name. Make sure you already have ASB account.

thnks bro. I'm glad can help u.

About housing loan, dun worry. There are more than 5 banks take ASB dividend as part of income include CIMB. But, when u apply if the bank still wont approve the loan for the house because of ASB u can just terminate it. 4 years by using the right technique u can double your capital. If u r interest to know more the only terms and condition is to apply ASB finance with me. I will consult u from A to Z about ASB. Make ASB with consultant u will get after sale service.

PM me for more info.

or whatsapp me at this no 011-10785052 haziq

My area for free consultation covered KL, Selangor, N9 and Melaka for the time being.

no offence dun worry 

Normal rate at CIMB 5.2%
Promo rate terms and condition apply 5%.

yes i do set minimum amount of 80k loan and above for free consultation outside n9. As i said before, i only earn commission with no salary so that will include all my expenses to go and see my clients. But if i have any prospect who are interest to make loan below than the min set i will introduce him to the nearest consultant.

Other method using pos laju to apply either i sent the form by email or I will pos the form to my client. I will bear the postage cost after the loan is approved. All consultation advice will be done by using whatsapp / calling / video conference.

I hope u are satisfy with my answer. 

to eligible for promo rate u must be either one of this

-Existing ASB customer
-Family Link
-Refinancing from other banks (Example rimau to sotong)
-CIMB@Work-Payroll customer (Your paycheck at CIMB)

IR will be calculate BR+1.1% + 3.9% = 5%

If u can come to Seremban i'm glad to  give you free consultation (Saturday or Sunday only) No minimum set to apply. Or just whatsapp me bro. Either u r my client or not i will give u free advice and teach u the method.
Thnks bro. 

yes correct. No need.

yes can bro...just tell them u have existing asb from another bank and ask them about the promo rate. Make sure u bring the Offer letter or latest ASB Statement and give it to the bank officer...

plus free advice from me. If u want to apply ASB without insurance or for certain years you need to tell the bank officer. If not automatically they will apply you ASB with full Takaful. Install Financial calculator from Playstore or APPstore to calculate your monthly commitment without insurance. Other advice apply loan for max 30 years.

Your welcome Save my no bro for future reference... Im glad to help either u r my client or not by whatsapp.

no difference. Bank is only a platform for u to get the loan. All investment still do by PNB. Just now u have 2 different banks to pay for the installments.

Still your ASB credit limit will be base on your current loan amount. Let say u already have 100k loan, so u only can apply for another 100k loan...but make sure all the dividend available in your ASB account need to take out first. Or your loan will be reduce. For example your loan 100k your dividen 4k so your total asb is 104k. Based on that you can apply another 96k of loan (Max 200k)

if u already max out 200k the other option for u is to open ASB2 account.