ASB loan, worth to get it???
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 Sep 30 2014, 04:29 PM
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48,448 posts Joined: Sep 2014 From: REality 
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QUOTE(tentang rasa @ Sep 30 2014, 04:12 PM) i applied ASB loan in june this year.. will i get dividends early this year or by the end of june next year? ASB dividend normally on 1st Jan. if u join in june, so the dividend is for July-Dec only   |
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Sep 30 2014, 04:33 PM
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Junior Member
66 posts Joined: Sep 2012
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QUOTE(nexona88 @ Sep 30 2014, 04:29 PM) ASB dividend normally on 1st Jan. if u join in june, so the dividend is for July-Dec only i see.. thanks  |
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Sep 30 2014, 04:33 PM
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Senior Member
5,367 posts Joined: Aug 2009  
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Hi,
Quick, n00b question here : So what is/are the disadvantages of ASB loan? :| |
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Sep 30 2014, 04:43 PM
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48,448 posts Joined: Sep 2014 From: REality
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QUOTE(Mr.Docter @ Sep 30 2014, 04:33 PM) Hi, if u taken 200k ASB loans, later when u wanna take housing loans could face some issues... I heard from some of my friends Quick, n00b question here : So what is/are the disadvantages of ASB loan? :|  |
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Sep 30 2014, 04:55 PM
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Senior Member
5,367 posts Joined: Aug 2009
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QUOTE(nexona88 @ Sep 30 2014, 04:43 PM) if u taken 200k ASB loans, later when u wanna take housing loans could face some issues... I heard from some of my friends 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. |
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Sep 30 2014, 05:01 PM
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48,448 posts Joined: Sep 2014 From: REality
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-deleted-
This post has been edited by nexona88: Sep 30 2014, 05:02 PM |
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Sep 30 2014, 09:37 PM
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Junior Member
135 posts Joined: Sep 2012
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Hi, i plan to make asb loan this december. may i know is the interest same with all bank ? which bank the best to make asb loan ? planning for 70k loan, its not much but this is all i can for now
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Sep 30 2014, 10:14 PM
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Senior Member
1,936 posts Joined: Oct 2011 From: KL
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QUOTE(Mr.Docter @ Sep 30 2014, 04:55 PM) Hi, maybank, cimb, rhb and ambank will consider asb dividend as an income.. but to make it safe, at least 2yrs servicing asb loan.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. |
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Oct 1 2014, 12:08 AM
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All Stars
48,448 posts Joined: Sep 2014 From: REality
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QUOTE(abec @ Sep 30 2014, 09:37 PM) Hi, i plan to make asb loan this december. may i know is the interest same with all bank ? which bank the best to make asb loan ? planning for 70k loan, its not much but this is all i can for now I heard most people take Maybank Islamic . |
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Oct 1 2014, 01:07 AM
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Senior Member
5,580 posts Joined: Jan 2005
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QUOTE(abec @ Sep 30 2014, 09:37 PM) Hi, i plan to make asb loan this december. may i know is the interest same with all bank ? which bank the best to make asb loan ? planning for 70k loan, its not much but this is all i can for now The interest is vary from one bank to another. You may survey but during my time about 2 and half years ago, Maybank Islamic offered me the best. .The interest rate or profit in Islamic is based on BLR minus a few percent. In my case, -1.65 if I am not mistaken. |
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Oct 1 2014, 06:52 AM
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Junior Member
135 posts Joined: Sep 2012
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QUOTE(nexona88 @ Oct 1 2014, 12:08 AM) I heard most people take Maybank Islamic QUOTE(Seng_Kiat @ Oct 1 2014, 01:07 AM) The interest is vary from one bank to another. You may survey but during my time about 2 and half years ago, Maybank Islamic offered me the best. Hi noted, will look into it TYThe interest rate or profit in Islamic is based on BLR minus a few percent. In my case, -1.65 if I am not mistaken. |
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Oct 1 2014, 10:29 AM
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Junior Member
432 posts Joined: Apr 2009
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QUOTE(rafe001 @ Sep 30 2014, 06:38 AM) using our own money. Dont touch divident payout because compounding ineterest will grow the money. OK GOT IT THX  |
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Oct 1 2014, 10:49 AM
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Junior Member
287 posts Joined: Sep 2010
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Avoid asb loan at all cost. It has more cons tha pros.
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Oct 1 2014, 10:54 AM
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Junior Member
135 posts Joined: Sep 2012
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QUOTE(fnm83 @ Oct 1 2014, 10:49 AM) Avoid asb loan at all cost. It has more cons tha pros. why is that ? care to explain more ? |
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Oct 1 2014, 11:36 AM
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Senior Member
1,936 posts Joined: Oct 2011 From: KL
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cimb offered longer tenure...good for leveraging and compounding.
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Oct 1 2014, 12:52 PM
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All Stars
48,448 posts Joined: Sep 2014 From: REality
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QUOTE(fnm83 @ Oct 1 2014, 10:49 AM) Avoid asb loan at all cost. It has more cons tha pros. one reason I know of is some issues when applying for housing loans other than those bank offering ASB loans.. other than that? |
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Oct 1 2014, 04:19 PM
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Senior Member
5,367 posts Joined: Aug 2009
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QUOTE(fnm83 @ Oct 1 2014, 10:49 AM) Avoid asb loan at all cost. It has more cons tha pros. At least provide some details lah bro. Don't just leave an incomplete, one-linear post like that. |
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Oct 1 2014, 04:21 PM
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Senior Member
5,367 posts Joined: Aug 2009
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QUOTE(nexona88 @ Oct 1 2014, 12:52 PM) one reason I know of is some issues when applying for housing loans other than those bank offering ASB loans.. I double check this issue with the Maybank staff, she said it shouldn't be a problem as they will consider the annual dividen as income.other than that? They know that the annual dividen itself able to sustain the monthly loan payment. |
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Oct 1 2014, 04:22 PM
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Senior Member
5,367 posts Joined: Aug 2009
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QUOTE(potenza10 @ Oct 1 2014, 11:36 AM) cimb offered longer tenure...good for leveraging and compounding. Maybank Islamic only limited to 25 years I think.How long CIMB offer? |
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Oct 1 2014, 04:37 PM
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All Stars
48,448 posts Joined: Sep 2014 From: REality
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QUOTE(Mr.Docter @ Oct 1 2014, 04:21 PM) I double check this issue with the Maybank staff, she said it shouldn't be a problem as they will consider the annual dividen as income. Maybank, CIMB, RHB & AmBank consider ASB dividend as Income. Others bank I'm not sure if they do that They know that the annual dividen itself able to sustain the monthly loan payment. |
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