hopefully its increase a bit la the return..
so many years already defisit

Still much better than UT for instant. My office mate last year had -29% equivalent to myvi 1.5 full spec price. He still pening to hold or letgo. Inb4 now less getting UT approach like massively

walk in to bank and nego rates.

how that's work ya..
cerita sikit bang.. seriously zero nego skill

Search agent Asb loan on fb, ask him/her the current offer interest rates. Usually lower than your current. So jump to them

Hi i would like to ask. I wanted to open my asb account. Signed asnb at cimb but suddenly i got 208292 of asb loan. It’s my 15th days aince i got the loan. If i cancel it? How much should i pay?

Hi, what does “Profit charged” mean in my asbf loan statement mean, is it refer to interest rate?

The amount varies monthly to monthly, hovering around 750rm per month.

Meanwhile my monthly installment is 1030 now.

Yup. For islamic financing, it is not interest but profit instead.

Hi all want to ask.. if i kena durian runtuh.. let say rm30k and put the money in ASB mid of Sept.. will I get any dividend end of this year? can share example of calculation.. thanks

Does anyone take ASB Bond here? A banker is suggesting me to take 200k loan over 40 years and can only take out money after ten or twenty years which sounds like a very long time lol

Yes you will get dividend for Oct Nov and Dec. The dividend pro rated to this 3 months

I don't think there's such thing as ASB bond.

Hi,

there's this forumer that claims there are many that 'abuse' ASBF, and it has many loopholes:

sos: https://forum.lowyat.net/index.php?showtopi...#entry108184452

I've asked for examples or an explanation for these 'loopholes' or 'abuses', but he is not able to. So I wonder if someone in this thread can provide any?

Thanks for tagging me..

Already gotten my answer the previous page...

Got people terminate the loans yearly basis & take up new loans with lower rates.... and profit the difference

If u even bother to read this topic first .....

Please read for your benefits....

Again thanks

Just because of your ego 😅😆😂
Need to tag in ASB loan topic

People terminate the loans on a YEARLY basis?

Can someone confirm this?

Even if they do, how is it a loophole or an abuse?

P/s - no sure what you mean by ego here. You are making serious claims here, I would like to understand further since when I asked earlier you were not able to substantiate the claims. These are serious allegations if you claim bankers are involved in abuses and loopholes



This post has been edited by Lembu Goreng: Sep 26 2023, 10:42 PM

Hey...

Please read up the topic

Don't need to spoon feed...

Few pages back..
January 2022 posting

Whatever...
It's everyone knowledge
Only u & your noob chindian bankers don't know...

Reading from this topic confirm my information

Even not yearly basis .

2 or 3 years... ride the cheap rates first. Terminate & apply new one... either from bankers officially or agents in socmed... whichever can get best & lowest rate 🥳🎉

This post has been edited by nexona88: Sep 26 2023, 11:05 PM

Just now you said yearly, now 2-3 years? Get your story straight first bro.

We all know ASBF can be terminated anytime. This is perfectly legal.

But you specifically accuse asbf bankers of abuses and using loopholes, so no need to spin some more and tell us which part.

Im doing you a favor here maybe someone here can collaborate your claims

This post has been edited by Lembu Goreng: Sep 26 2023, 11:50 PM

Oh, while you are at it, please explain what do you mean by overlap loans in asbf

Well...
There's both yearly & 2-3 year basis... combination of both being done....

If u ever read the previous pages posting which lazybones like u won't....
Expect others to spoon-fed everything like some baby....

Since u so curious.... go dig yourself everything...
Or other which kind enough will spoon-fed the information...

Again... I says..
There's indeed some loopholes.... if u care enough to find out via the bankers or agents.... they won't layan u because u not qualified... why waste time explaining & get nothing of it...

And ask your chindian bankers to go for ASBF courses provided by the banks (if he indeed dealing with it or not who knows)....

Actually, I understand very well how cancelling loans every 2-3 years & then reapplying work. We call it rinse & repeat. It is fine and perfectly legal, and it is a well known practice and out in the open.

What I dont understand is why are you calling this an abuse and loophole, so can you explain why is this an abuse and why is this a loophole?

By calling it such, you are creating an impression that bankers/agents are doing dodgy practices and something illegal. So please explain yourself.

I am tagging actual agents here haziqnet annas473 here maybe they can clarify if 'rinse & repeat' is an abuse/loophole

This post has been edited by Lembu Goreng: Sep 27 2023, 09:39 AM