Yes can. But for 3 years of investment you should well diversify your investment.

If u dunno how can hire a consultant to invest for you. Also u can invest using your epf acc 1.

I have a few recommended fund that's gud for short term investment within 3 years.

The potential return is depend to which classes of fund u invest more in.

Can ask me if u want to know more details.

This post has been edited by haziqnet: Nov 15 2017, 01:12 PM

the takaful of my previous asb loan with them is just $5k for $195k loan

The charges are not hidden. Its written in the fund fact sheet and also in the prospectus. You also can check the service charge at the fund house website.

Ask me if u want to apply with ambank

This post has been edited by haziqnet: Nov 15 2017, 01:18 PM

The takaful increase is because of your age. The higher your age the expensive the takaful value

Just 3 years older how could it increase so much

For takaful 1 year different age could give big significant. It means you are more risk than your previous age. Plus ur current loan is 200k and your previous is 195k which have a different of 5k.

Those who smoke will get much higher takaful value than non smoker.

Therefore my advise is to cancel your loan approval right now before disbursement and reapply at the bank which takaful is not compulsory. Private message me for more details about asb loan for cimb and ambank.

But if ur loan already disbursed there is nothing u can do. It means your loan money already gave to PNB and the bank only hold your certificate.

Its better to call your consultant and tell the truth that u want to cancel because dun want to apply with takaful at first.

This post has been edited by haziqnet: Nov 15 2017, 07:03 PM

I saw in BSN asbf webpage that they offer 4 65% for those with less than rm3k salary and 4.7% for those with more than rm3k salary. Can anyone confirm this?

Nice rate.

Screenshot what u saw then

http://www.mybsn.com.my/content.xhtml?contentId=513

4.7%? good rate..

salary deduction?

4.65% with salary deduction..

Just check

Bsn asb loan is conventional, no lock in period + conventional insurance is compulsory.

Best rate but if with insurance the ROI will be less

This post has been edited by haziqnet: Nov 21 2017, 11:11 AM

thanks for info bro

so currently the best is ambank rite @4.75

Thanks for the reply bro

Thanks for the info bro

Edited

This post has been edited by haziqnet: Nov 21 2017, 03:13 PM

I want to ask all sifus when is the best time to terminate/apply asb loan?

Should I just wait next year when government announce year dividend? Or just straight away go with it?

I have 30k loan right now with maybank @ 5%, planning to go higher and choose other banks with better rates.