Oct 27 2017, 11:12 AM
QUOTE(haziqnet @ Oct 27 2017, 12:16 AM)
When do u apply this loan?
How much u apply?
Do u apply with or without takaful?
What is ur purposed to make the loan ie long term saving or for short term?
What is your current loan balance?
How long is the tenure 30 years or less?
This are the list of question i need to ask usually before i can give my opinion. I may ask additional question if need to.
But from my point of view if u make asb loan for short term 5% is already gud enough. Go for adding the loan rather than terminate it.
But if ur purpose is for long term i recommend u to terminate and reapply. But there is many things u need to consider, the termination process will take time 1-2 month. If u already max out your asb loan (200k unit) it will be 50/50 chances either u can catch up to reapply with this 4.8% rates. However if u still not max out yet the best way is to apply new loan with the promo rate and at the same time apply for termination on jan next year. For example ur current loan 100k than apply another 100k at the same time fill the termination form. This method are guarantee u get 4.8% rate.
Lastly, if u can afford to pay for the current loan i will advise u to just continue. If u apply new loan u will need to pay the processing fee and will need to go through with the process again. However if u r insist than go for it and i can help u with it. Either way (terminate and reapply or stay) u still profit at the end of the day. Hope this may help you to decide.
but u said promo wll be end soon?How much u apply?
Do u apply with or without takaful?
What is ur purposed to make the loan ie long term saving or for short term?
What is your current loan balance?
How long is the tenure 30 years or less?
This are the list of question i need to ask usually before i can give my opinion. I may ask additional question if need to.
But from my point of view if u make asb loan for short term 5% is already gud enough. Go for adding the loan rather than terminate it.
But if ur purpose is for long term i recommend u to terminate and reapply. But there is many things u need to consider, the termination process will take time 1-2 month. If u already max out your asb loan (200k unit) it will be 50/50 chances either u can catch up to reapply with this 4.8% rates. However if u still not max out yet the best way is to apply new loan with the promo rate and at the same time apply for termination on jan next year. For example ur current loan 100k than apply another 100k at the same time fill the termination form. This method are guarantee u get 4.8% rate.
Lastly, if u can afford to pay for the current loan i will advise u to just continue. If u apply new loan u will need to pay the processing fee and will need to go through with the process again. However if u r insist than go for it and i can help u with it. Either way (terminate and reapply or stay) u still profit at the end of the day. Hope this may help you to decide.
currently my loans are inclusive with takaful.
since i jst had the loan 1 year ++ back, the balance still alot.
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