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 ASB loan, worth to get it???

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HolySatan
post Dec 21 2015, 01:46 AM

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CIMB ASB interest 5.0 if got offer letter / family link 30yrs.. optional insurance..
affinbank pon macam okay.. 5.2 rate..

HolySatan
post Dec 21 2015, 03:58 PM

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QUOTE(exitsortie @ Dec 21 2015, 09:27 AM)
I'm interested in that CIMB 5%/30years/optional insurance plan. What is the offer letter/family link referring to?
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if refinance to CIMB from another bank.. offer letter ASB from old loan..
family link tak tau hmm.gif hmm.gif

ask here..
https://www.facebook.com/asbloanterbaik
or
https://www.facebook.com/groups/261420023932547/



HolySatan
post Dec 22 2015, 03:31 PM

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bila nak announce dividen this year..
duit dah habis bayar loan ASB & ASB2..
next year rolling dividen jer..
HolySatan
post Dec 22 2015, 05:56 PM

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QUOTE(nexona88 @ Dec 22 2015, 04:02 PM)
dengar info kata minggu depan Selasa atau Rabu  hmm.gif
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lame betul... last year 18 dec ..
HolySatan
post Dec 22 2015, 06:30 PM

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QUOTE(nexona88 @ Dec 22 2015, 06:07 PM)
well bursa malaysia tis year teruk sikit.. diorg pening macam mana nak bagi dividend  sweat.gif

bagi kurang, nanti semua orang bising2  biggrin.gif
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last year punya PNB simpan sikit..
this year gv 8.0+2.0 lahhh
HolySatan
post Dec 22 2015, 09:30 PM

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user posted image

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if 7 + 1 cry.gif cry.gif cry.gif

This post has been edited by HolySatan: Dec 22 2015, 09:34 PM
HolySatan
post Dec 29 2015, 08:11 PM

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melayu semua nak duit free..
top up duit sendiri untuk monthly payment pon kata rugi
after 25 or 30 yrs... u got all the money + dividen
kalau compounding... lagi cepat habis loan..
HolySatan
post Dec 29 2015, 10:30 PM

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QUOTE(peja5081 @ Dec 29 2015, 09:37 PM)
already 3rd year this january will be my 3rd times getting bonus. and not yet drawn any money from it. i dont do rolling just keep paid the loan and keep the bonus. some said i lost more if dont  take it. is it true?
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compounding lagi byk profit..
HolySatan
post Dec 30 2015, 12:49 AM

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QUOTE(peja5081 @ Dec 29 2015, 11:21 PM)
oo memang la.tapi kalau buat loan dngan simpan sendiri maintain 300 setiap bulan selama 25 tahun mana lagi untung?
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long term ; loan..
short term 1@2 yrs ; cash
HolySatan
post Dec 30 2015, 12:51 AM

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QUOTE(peja5081 @ Dec 29 2015, 10:32 PM)
ape itu compounding? rclxub.gif  rclxub.gif
same with loan?
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simpan dividen..
eg : loan 200k ; so div 14k
next year dividen ASB based on 214k...
makin lama simpan dividen makin banyak dividen beranak akan datang.. brows.gif brows.gif brows.gif
HolySatan
post Dec 30 2015, 01:07 PM

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QUOTE(T231H @ Dec 30 2015, 06:25 AM)
Investing In Amanah Saham via Personal Loan, should you or should you not?
.....with a few scenarios ...
http://invest-made-easy.blogspot.my/2013/0...a-personal.html
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sure why not.. tapi banyak lagi alternative lain..

QUOTE(cheahcw2003 @ Dec 30 2015, 11:20 AM)
The scenerios have excluded the opportunity costs.
Once you take the ASB loan, it will be listed in the Ccris, and affect your future borrowing capacity, as when you want to apply car loan and housing loan.
The scenarios are too simple but it's good for basic understanding of how to use OPM in maximising ROI.
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boleh bagi pendapatan dividen from LASB.. untuk support future housing/car loan

some banker accept ASB dividen as income..

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dividen boleh jadi side income.. tapi sekarang dah makin turun.. sweat.gif sweat.gif sweat.gif
HolySatan
post Dec 30 2015, 01:12 PM

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QUOTE(peja5081 @ Dec 30 2015, 09:03 AM)
Anyone know how to get asb loan from maybank? Rhb bnyak tipu.before talking 308 everymonth suddently jump to 313. Is there any better bank? Thinking getting another 50k loan
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QUOTE(call me random @ Dec 30 2015, 10:41 AM)
insurance perhaps?
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QUOTE(peja5081 @ Dec 30 2015, 12:45 PM)
Noy interested in insurance no profit
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QUOTE(call me random @ Dec 30 2015, 12:52 PM)
no. i mean the rm5 diff in ur ASB loan repayment comes from the insurance cost.

calculation is like this

total loan + interest + insurance = total u have to pay.

pls check w ur agent. cus i refer maybank islamic last time this is how they calculate for me smile.gif
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RHB punya promo.. 1st 5yrs year payment murah.. tahun ke 6 jadi mahal..

better CIMB.. 30yrs & optional insurance.. if got offer letter from previous bank dapat 5.0 interest.. or 5.2 kalau tak pernah buat LASB..
HolySatan
post Dec 30 2015, 01:22 PM

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QUOTE(call me random @ Dec 30 2015, 01:14 PM)
u mean flat rate? not follow blr?
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itu.. tak tau.. laugh.gif dulu aku buat dengan maybank
HolySatan
post Jan 8 2016, 03:33 PM

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-deleted-

This post has been edited by HolySatan: Jan 8 2016, 04:22 PM
HolySatan
post Jan 8 2016, 04:22 PM

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QUOTE(Davez89 @ Jan 8 2016, 03:40 PM)
Ko khairul ezuwan ke?
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bukan.. kalau KEY mesti la kena beli.. btw edit quoted tu.. nanti key marah tongue.gif tongue.gif tongue.gif

This post has been edited by HolySatan: Jan 8 2016, 04:24 PM
HolySatan
post Jan 17 2016, 07:08 PM

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QUOTE(azeL_Inc @ Jan 17 2016, 12:10 PM)
Which bank offers the best rate? I think I read that cimb is the best one
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maybank 5.2 25yrs islamic

cimb 5.2 ; if refinance @ family link got 5.0 30 yrs insurance optional islamic

affin bank 5.15 @ 5.0 kalau above 100k 30 yrs conventional no lock period

This post has been edited by HolySatan: Jan 17 2016, 07:08 PM
HolySatan
post Jan 23 2016, 09:38 AM

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ASB-i.. compounding dividen + bonus

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HolySatan
post Jan 23 2016, 01:53 PM

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QUOTE(buggie @ Jan 23 2016, 12:09 PM)
WTF! This a pic of my book... And that's my bloody thumb holding the book.  mad.gif You must've gotten it from another forum... Lol

If wanna show off also use your own book la... laugh.gif
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aku x kata ni aku punya..
ini contoh racun utk Fresh Graduate yang nak ambil ASB loan

typical meleis.. semua benda nak butthurt.. bukan ada untung pon share benda tu

lain la MLM.. semua gambar testimony utk gain profit.. pppffffff..

btw aku amek dari cg.. kenapa aku x mention? sebab LYN =/= CG

dalam FB aku dah mention..
HolySatan
post Jan 23 2016, 05:00 PM

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QUOTE(buggie @ Jan 23 2016, 02:31 PM)
A simple apology would have sufficed. But instead you felt the need to justify. Funny reaction bila dah kedapatan...

Next time, credit the author otherwise it's plagiarism. You didn't mention it's yours, neither did you mention it isn't.

Why am I even bringing this up? Because I see my photo being passed off as their own....
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okay sorry.. sad.gif
HolySatan
post Mar 4 2016, 11:44 PM

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LAPORAN TAHUNAN ASB BAGI TAHUN KEWANGAN BERAKHIR 31 DISEMBER 2015

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