For 200k?
Usually banks have 2 tier , below 100k and above 100k have different rates.
If 10k to 100k what's the current rates?

By renegotiation method will the installment amount will be reduce if the rate is lower? If not will the extra installment payment are going into paying the principal ?

Hi guys, is there a best time to apply asbf?
Like perhaps end year etc

Nevertheless, I can forsee the dividend will never going to be lower than the bank interest. ASB is exclusive for bumis and not publicly available. If dividend is lower than interest, then ASBF itself will defeat the purpose.

Have you terminated yours?

Correct me if I'm wrong but your repayments are fixed whereas the dividend will always increase over time as long as you don't touch it. Essentially at some point even if the dividend is lower than the loan installment at the start considering the economy in the near future, you'll still make money in the long run

If your discipline is excellent, yes we can do it with your way. However, for someone who can't stand against free money in your bank, then its different story.

who ask you to do rolling. do rolling for poorfag with no monthly savings.
that's the point. but ignorant ppl kept comparing dividend rate to bank rate 1 to 1 eventho such direct comparison is invalid.
show me how u save more using ur own money on asb vs asbf.

give me post number

I've gone thru all your post in this thread, none found. Don't spread lies if yourself unsure.

You better terminate then.... Cause you don't know how to use this asbf. You'd keep losing money. Just cut your losses and invest elsewhere

I wont terminate la... I'm making loads effortlessly...

Woah 300k asbf and 16k installment? You sure you're not bluffing?

ASBF loan is 200k max nowadays and loan for asb2 is discontinued years ago as far as I remembered. Even with 300k, 16k installment yearly, for monthly it will be around 1.33k. Even with longest tenure of 35 years, (40 years tenure just started recently from certain bank), the interest rate is 4%. Walao, so low, you sure you're not bank owner son or something?



If you need to bullshit us, be reasonable ah.

Even if he's speaking the truth, he still earn somemore 5-6k from principal. Still worth for me.

You terminated ady? Congrats! How much did you get back on the ammortised value?

Ask the banker la 🤦‍♂️ adoi.... At the time you go terminate they can tell you ady... Thats the first thing ppl will ask. So obvious you dont know anything... No wonder you losing money when everyone else is making...

Are you a pubescent teenager or what? Why u so naive wan? 😂😂😂

I tot max is 200k for financing?

Typo error. He meant to say 200k.

16k installment corresponds to 200k loan. Even the didviden he mentioned is on 200k

And yes pnb cap @ 200k

He's even claiming it's 300k 

Meaning that, your loan is 200k and your total divident before you get 15k is 100k.