QUOTE(penanghomes @ Jul 13 2018, 05:25 PM)
What is takaful insurance? What its benefit?
in case death or TPD, your loan is fully covered by the takaful.so your family will get full amount of the loan applied.
ASB loan, worth to get it???
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 Jul 13 2018, 06:22 PM
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#21
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Senior Member
2,650 posts Joined: Feb 2009  
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so your family will get full amount of the loan applied. |
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Jul 17 2018, 11:13 AM
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#22
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isn't it very risky to get ASB Loan this year?
with this kind of political condition? |
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Jul 17 2018, 08:11 PM
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#23
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2,650 posts Joined: Feb 2009
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QUOTE(haziqnet @ Jul 17 2018, 05:05 PM) Why risk? Because the dividend might be lower this year? Well usually if the dividend is lower the bank will reduce the effective rate. For example on 2016 the dividend is 6.75%, since then most bank lower their rate from 5.4 to 4.8%. last year is proven the dividen is so low, just barely break even.Dun worry too much when making asbf. If let say one day the interest and the dividend is not relevant anymore just terminate your asb loan and enjoy what u earn so far. |
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Jul 19 2018, 07:44 AM
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#24
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QUOTE(haziqnet @ Jul 19 2018, 12:00 AM) Barely break even? If i show u the calculation those who only make asbf for 1 year can get a profit about 20% do u believe me? Is that barely or not. 20% is if including the payback value.I am talking about the normal dividend... Some people like Maybank user cannot terminate within a year. |
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