Not necessarily. They can change their BR to whatever figures they want, they do not have to follow the OPR

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

i've applied asb loan under ambank last may end, til now havent started my first payment. WA to agent asking for status, she said loan approved pending reimbursement. now already mid Jul havent reimburse. is it normal? and let say, if i want to cancel, how? after reimbursement, if i didn't pay the first month does it affect my ccris? how bout the loan, will be auto terminate?

[wild_card_my] what happens to asb loan if one to pass away? how to manage that? 

does that loan comes with takaful protect?
or you wanted both scenario?

oh forgot about takaful. i think now is minimum takaful.
but takaful is the insurance that if u die, they will pay u.

the hibah amanah is just to disburse your asb dividen according to your will. correct me if im wrong 

So does it mean if did not buy this services, if ppl die then the fund just sit there?
asn dont have the penamaam free service like the epf?

Just add the accrued interests based on (interest rate/365) x outstanding pre-moratorium x number of chargeable-days to the outstanding balance, tenure remains the same, installment will increase - possible to use the loan calculator to calculate the new installment

If opt out what is there to calculate?

Is this RM50 a one time cost or there are other costs?

From my experience, cs people have very little information. You need to talk to the product owners

Now worth to get an asb loan?

it can be. but there are stipulations on withdrawal on the distributions you earn from that account if I am not mistaken. Need to double check on this.

Yes.. Performed some last year... Maxed out on kid.. Bugger richer than I was at his age..  On the plus side, play cards right and should be able to help towards an overseas Uni education or first crib or a Porsche when the time comes. Fingers crossed it’s the latter.. 
As at last year.. MBB says no restrictions for parents on withdrawals or even account closing until kid turns 18. Was deeply concerned about this before the move. But reassured it’s not an issue. Of course, must monitor new laws, etc as time goes on and pull all out, should talks of imposing restrictions occur. It is self funded after all.
Trying to gain more through your kid (dump in ASB1 vs self fund ASB3, etc funds..

What is the dividend of asb1 vs asb3

ASBF consider as commitment or income from bank view?

need your advise. i am planning to buy house but at the same time interested to apply ASBF.

which one should i do first, get housing loan approve the proceed with ASBF or vice versa

and which bank give better rate for now?

They disregard the asbf instalment as commitment?

Whats the current best offer for asb loan? Currently im under Ho** L**ng bank and my current rate is 3.45.. any other better offer than that?

I remember reading somewhere in serious Kopitiam that when we convert ASB cash units into sijil, the softcap somehow expanded?

Like I have 239k (200k financing + 39k cash units). Say if I were to convert 39k into sijil, I can pump in up to 39k cash additional. Is it true? Is sijil even still exist now we're only using online (no books)

200k max including financing I suppose? So the answer is no?