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 ASB loan, worth to get it???

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nyemah_mulya
post Jan 4 2018, 08:39 PM

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QUOTE(haziqnet @ Jan 4 2018, 10:55 AM)
refresh those who dont understand how asbf can give profit to customer read below

1st the distribution or we all know it as dividend.

2nd the principal. we will received the principal we paid when terminate early. it call as principal surrender value. Where the principal come? When u pay for your installment part of it is the principal and another is the bank profit or known as interest.

3rd bonus. Each year asb will give extra bonus. But this year they use new formula to calculate the bonus based on 12 month only than 10 years before.

ASBF give more return than asb saving because of the volume. ASBF start from big amount while asb saving start from how much we save permonth.

Hope this will help to those who still new with asbf.

Profit from asbf is not simply deduct between dividend and interest (7% - 5% for example. its more than that)
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Thank you, I understand now about the principal surrender value smile.gif
Supergoola
post Jan 4 2018, 08:41 PM

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Anyone who can do asb loan . Can you pm me the product. Thanks
Personal banker _ AA
post Jan 4 2018, 09:54 PM

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QUOTE(Supergoola @ Jan 4 2018, 08:41 PM)
Anyone who can do asb loan . Can you pm me the product. Thanks
*
Hi. Ambank offer best interest rate. 4.65%.

This post has been edited by Personal banker _ AA: Jan 4 2018, 09:55 PM
annas473
post Jan 4 2018, 10:00 PM

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For ASB withdrawal, does Maybank or ASB counter have any fees?

Itchy to take out the dividen biggrin.gif prefer online but seem myASNB don't have this.

2) passbook needed?

This post has been edited by annas473: Jan 4 2018, 10:05 PM
Personal banker _ AA
post Jan 4 2018, 10:05 PM

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QUOTE(annas473 @ Jan 4 2018, 10:00 PM)
For ASB withdrawal, does Maybank or ASB counter have any fees?

Itchy to take out the dividen biggrin.gif prefer online but seem myASNB don't have this.
*
No fees lah bro. Pergi ambank. Tak ramai orang. Mesti laju buat withdrawal. Myasnb nk deposit boleh lah bang. Hehe.
Personal banker _ AA
post Jan 4 2018, 10:06 PM

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QUOTE(annas473 @ Jan 4 2018, 10:00 PM)
For ASB withdrawal, does Maybank or ASB counter have any fees?

Itchy to take out the dividen biggrin.gif prefer online but seem myASNB don't have this.

2) passbook needed?
*
2) no more passbook. Bring your IC only. Selamat menunggu
haziqnet
post Jan 4 2018, 10:34 PM

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QUOTE(annas473 @ Jan 4 2018, 10:00 PM)
For ASB withdrawal, does Maybank or ASB counter have any fees?

Itchy to take out the dividen biggrin.gif prefer online but seem myASNB don't have this.

2) passbook needed?
*
post office also can but the withdrawal amount are very limited. simply said just go the nearest bank. fill the asnb withdrawal slip and give your ic at the counter. Done. hehe
faizfizy39
post Jan 5 2018, 02:36 AM

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QUOTE(annas473 @ Jan 4 2018, 10:00 PM)
For ASB withdrawal, does Maybank or ASB counter have any fees?

Itchy to take out the dividen biggrin.gif prefer online but seem myASNB don't have this.

2) passbook needed?
*
No extra fees will be charged for ASB withdrawals. You can withdraws ASB at Maybank, CIMB, RHB, Pos Malaysia, Affin Bank, BSN, Alliance Bank & AmBank.

Passbook no longer needed. Only bring your IC.
shadow_walker
post Jan 5 2018, 08:57 AM

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now asb1 n asb2 books can throw away ka?
Personal banker _ AA
post Jan 5 2018, 09:00 AM

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QUOTE(shadow_walker @ Jan 5 2018, 08:57 AM)
now asb1 n asb2 books can throw away ka?
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Keep lh bro. Jadikn kenangan
junclj
post Jan 5 2018, 09:50 AM

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may i know when will payout the asb 1% special bonus?
Ronald K.
post Jan 5 2018, 09:52 AM

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QUOTE(junclj @ Jan 5 2018, 09:50 AM)
may i know when will payout the asb 1% special bonus?
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It will be credited on March 1st.
eastwest
post Jan 5 2018, 10:46 AM

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QUOTE(faizfizy39 @ Jan 5 2018, 02:36 AM)
No extra fees will be charged for ASB withdrawals. You can withdraws ASB at Maybank, CIMB, RHB, Pos Malaysia, Affin Bank, BSN, Alliance Bank & AmBank.

Passbook no longer needed. Only bring your IC.
*
If i dont have saving account with those banks, for example affin bank, I can still go to their counter and withdraw, right?
faizfizy39
post Jan 5 2018, 11:28 AM

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QUOTE(shadow_walker @ Jan 5 2018, 08:57 AM)
now asb1 n asb2 books can throw away ka?
*
Yes you can throw it away or keep it in museum so that later you can show to your grandchildren. "Zaman dulu, ASB atuk pakai buku" tongue.gif

QUOTE(junclj @ Jan 5 2018, 09:50 AM)
may i know when will payout the asb 1% special bonus?
*
It will be credited on 1st March, in conjunction with PNB 40th anniversary which is on 17 March. (Or maybe cause PRU whistling.gif )

QUOTE(eastwest @ Jan 5 2018, 10:46 AM)
If i dont have saving account with those banks, for example affin bank, I can still go to their counter and withdraw, right?
*
Yes. It shouldn't be a problem because those banks are ASNB agents. You can do every transactions related with ASNB e.g., update your contact details, request for ASB statement etc.
epie
post Jan 5 2018, 02:29 PM

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QUOTE(Personal banker _ AA @ Jan 4 2018, 09:54 PM)
Hi. Ambank offer best interest rate. 4.65%.
*
seriously 4.65%?
pm details
Ronald K.
post Jan 5 2018, 02:51 PM

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Ambank 4.65%, really? Afaik 4.75% lol.
faizfizy39
post Jan 5 2018, 02:59 PM

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I just got back from Maybank. They also now offering maximum tenure 30 years for ASB Financing instead of 25 years like before.
cheahcw2003
post Jan 5 2018, 03:25 PM

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QUOTE(epie @ Jan 5 2018, 02:29 PM)
seriously 4.65%?
pm details
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maybe will need to buy mrta, insurance as the bundled products
shadow_walker
post Jan 5 2018, 03:45 PM

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QUOTE(faizfizy39 @ Jan 5 2018, 02:59 PM)
I just got back from Maybank. They also now offering maximum tenure 30 years for ASB Financing instead of 25 years like before.
*
Insurance optional or not?

QUOTE(cheahcw2003 @ Jan 5 2018, 03:25 PM)
maybe will need to buy mrta, insurance as the bundled products
*
insurance for sure full tenure one..ahaha
faizfizy39
post Jan 5 2018, 03:47 PM

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QUOTE(shadow_walker @ Jan 5 2018, 03:45 PM)
Insurance optional or not?
insurance for sure full tenure one..ahaha
*
For Maybank, yes. Takaful is still compulsary.
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