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ASB loan, worth to get it???
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potenza10
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 Sep 18 2014, 12:00 PM
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QUOTE(Seng_Kiat @ Sep 18 2014, 10:44 AM) I see. Thanks for the info man.  . but to cut it short, i managed to secure home loan from hsbc even including my asb loan commitment....damnnnnn, so rugi to terminate asb loan. hsbc offers meet my criteria and that is my 2nd home loan with them. I query the officer how come they can offer me the facilty even my dsr is quite high (using single applicant, not joint applicant with my spouse)..she also dunno...its their management decision. i go back and  This post has been edited by potenza10: Sep 18 2014, 12:01 PM |
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potenza10
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Sep 30 2014, 10:09 AM
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QUOTE(cheahcw2003 @ Sep 30 2014, 08:02 AM) That is the capital limit whereas actual ceiling limit is more than 200k, depends on how much u let the dividend inside the account. |
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potenza10
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Sep 30 2014, 10:14 PM
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QUOTE(Mr.Docter @ Sep 30 2014, 04:55 PM) Hi, Thank you for the input. Anyone know what's the advantage making ASB loan directly compared to personal loan for ASB? Example; RM 200k ASB loan vs. RM 200k personal loan for ASB. Thank you. maybank, cimb, rhb and ambank will consider asb dividend as an income.. but to make it safe, at least 2yrs servicing asb loan. |
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potenza10
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Oct 1 2014, 11:36 AM
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cimb offered longer tenure...good for leveraging and compounding.
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potenza10
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Oct 1 2014, 04:37 PM
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QUOTE(Mr.Docter @ Oct 1 2014, 04:22 PM) Maybank Islamic only limited to 25 years I think. How long CIMB offer? Oh, now Maybank also 25? Last time only 20. CIMB 25 yrs max if not mistaken. |
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potenza10
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Oct 1 2014, 04:48 PM
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QUOTE(Mr.Docter @ Oct 1 2014, 04:43 PM) Mine is Maybank but I forget 20 or 25 years  CIMB that offered 25 years, how's the rate? On the side discussion, anyone know any bank staff? I wonder if they entitled to get special rate as staff. not sure la bro...what i remembered, my maybank asb loan is 20 yrs...and my wife just apply asb loan with cimb early january this year and max tenure is 25 yrs... |
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potenza10
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Oct 3 2014, 07:35 AM
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for young chap, apply asb loan 1st...save more and with compounding power of asb, in 2-3yrs, u will hv ard 50k if apply 200k loan.. then can use as a capital to buy house.
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potenza10
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Oct 5 2014, 10:42 AM
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don't worry if blr increase.. surely bank will offer competitive rates because asb loan is a win-win situation. if dividend can't cover loan installment , no one will take asb loan. bank pun rugi maaa...
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potenza10
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Apr 4 2019, 02:11 PM
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QUOTE(buggie @ Apr 4 2019, 01:57 PM) As I said, not everyone can grasp the concept. The slower ones takes awhile. But that's OK. Eventually you'll get it. Maybe just takes a little longer than most people. yeah...you found one here  |
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