Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed

Outline · [ Standard ] · Linear+

 ASB loan, worth to get it???

views
     
petirbuas
post Jun 2 2016, 01:24 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(HolySatan @ May 23 2016, 08:01 PM)
user posted image

tahun 2009... SC menilai tidak patuh syariah sebab bank conventional & MAHB
*
Betul pasal Maybank & MAHB tu
Tapi actually PNB tak pernah di audit oleh Security Commission(SC), dan tak pernah apply untuk diaudit pun.

QUOTE(s|dE @ Jun 2 2016, 12:23 PM)
A lot of debate already with asb halal or haram...
I will go with majlis fatwa kebangsaan = harus smile.gif
*
Great icon_rolleyes.gif
For more discussion on this. SC people also is inside Majlis Fatwa Kebangsaan.


To summarize, pengharaman adalah based on puritanical view. Majlis fatwa kebangsaan ambik kira broader sense. So nak ikut mana-mana pun bole.
petirbuas
post Jun 5 2016, 07:05 AM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(alcali @ Jun 5 2016, 12:07 AM)
When is the best time to make loan for ASB? end of year? beginning of year?
*
Depend on what you're trying to achieve
If you want to do rolling dividend technique, beginning of ASB financial year is the best.
petirbuas
post Jul 3 2016, 03:37 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(denn0c0il @ Jul 3 2016, 01:24 PM)
sorry, kind of newbie question here.. can the asb still be compunded to 400k from 200k loan nowadays?
*
There is no limit to the compounding interest.
The limitation of 200k is for loan. Back then we can apply ASB loan for up to 400k(depending on our ASB account limit), but that privilege no longer exist.
petirbuas
post Jul 6 2016, 07:54 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(TheRedDevil @ Jul 6 2016, 07:36 AM)
Any banker out there with good deals for asb loan?
Currently paying 5.7% for 20 years - maybank.
Pls PM me
*
Shit. That's ridiculous
You can literally walk-in to any bank and get 5.2%. Some like Affin and CIMB does offer 5.0%
petirbuas
post Jul 16 2016, 10:42 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(IceQTurbo @ Jul 16 2016, 05:12 PM)
with MBB reducing it's BR and BLR, will this has any impact to the ASB loan as well?
*
Yes. I read somewhere that already in effect for Maybank
petirbuas
post Jul 22 2016, 10:16 AM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(hustlerism @ Jul 22 2016, 02:50 AM)
What is this 5%?

I heard there are alot of ASB loan technique. Mind sharing some of the best?

1 more question, which bank is better for ASB financing? Maybank or CIMB?
*
5% is loan interest rate
"Best" depend on individual. Read this thread to read all available technique there is

Currently, Affin. 4.8% with minimum 5years insurance.
petirbuas
post Jul 22 2016, 02:54 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(hustlerism @ Jul 22 2016, 01:05 PM)
Is it worth it to make a 50k loan first?
*
Yes. Same formula, get the longest tenure with minimum insurance.
Keep in mind that bank offer higher interest rate for loan below 100k
petirbuas
post Jul 22 2016, 03:44 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(hustlerism @ Jul 22 2016, 03:43 PM)
So should i serve own money or let the roll the divident gained?
*
Up to you
petirbuas
post Jul 29 2016, 03:43 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(xkaix @ Jul 29 2016, 03:24 PM)
Hi, i need to know which one is more profitable?

1) Save own money every month into ASB (~RM1,500) per month

or

2) Take 200k asb loan, use monthly salary to pay the loan and let the divident pile up?
*
Loan. But make sure to serve it for minimum 3years.
petirbuas
post Sep 7 2016, 11:59 AM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(neo.liv @ Sep 6 2016, 09:52 PM)
Is getting asb loan from maybank difficult compared to other banks?
*
Why would that be?
I have 2 MBB ASB loan. Should be the same with any other bank
petirbuas
post Sep 30 2016, 07:08 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(haziqnet @ Sep 30 2016, 11:21 AM)
ada beritau reason kenapa tak boleh? ASB2 boleh je buat loan xde masalah klu ASB1 dah full 200k
*
Tak perlu full ASB1 pun. Tak ada syarat macam tu.
Boleh apply loan ASB2 bila-bila masa.
petirbuas
post Mar 26 2020, 05:54 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
Does new ASB loan application affected by the 6 month moratorium? Meaning can we enjoy 6 month free dividend if I apply now?

Sound like an opportunist, but hey its free money tongue.gif
petirbuas
post Mar 26 2020, 06:11 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
QUOTE(wild_card_my @ Mar 26 2020, 05:59 PM)
That is a question I should be able to answer, but since the banks are not telling me anything, I also dont know

But its not free money. You would still have to pay for the interests that have accrued over the next six (6) months
*
Yeah, understood this part. Lets just say "almost free".

I'm weighting the risk last night. Been meaning to reapply for ASB loan anyway, since I terminated it last year.
Appreciate if you can share new info on that in the future biggrin.gif
petirbuas
post Mar 30 2020, 05:28 PM

( ｡◕ ‿‿ ◕｡)
*****
Senior Member
898 posts

Joined: Dec 2009
From: The Internet
Lower than EPF. So how? laugh.gif

user posted image
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0296sec    0.70    7 queries    GZIP Disabled
Time is now: 13th December 2025 - 10:54 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.