Wait, how did you know that the ASB2 return will be similar to ASB? It's a new fund and it hasn't even shown its first 5-year return yet.

which bank that offer the best ASB loan now? planned to take RM 200K for 20 years..

Just to get full dividend on it. No issue if you taking now. I taking my first 100k asb loan few years back around Oct. Yet I still manage to get 2k+ dividend from it. Notbad.jpeg
btw, I suggest you to divide it into 100k + 100k. Easy for exit plan.

Just sharing my opinion. If I were you, i'd take the full 200k on loan even if you have the cash. Always maximize the loan as research has proven (cari gold) that you earn more from the loan because you are leveraging OPM.

That cash in hand can be put elsewhere to generate even more income. eg Tabung Haji or other PNB funds or even down payment for a house which will appreciate in capital.

Make your money work for you! I myself am already on 400k loan with ASB and contemplating another 200k for ASB 2 for a total of 600k loan if budget permits!

IMO

Latest news, no more ASB loan next year. They will offer ASB2 loan instead.

I want to ask,i have never applied for any ASB loan.

Which is better,should i mortgage my house and dump the cash into ASB

or  direct take ASB loan?

Hi,

I would like to ask, if I have a sum of money example 30k.

Is it good to direct put all in ASB 30K or monthly basis like RM2500 per month for 12months.

Is there any different in term of the return for lump sum or monthly?

I know its not related to ASB loan.

Some took the asb loan had cancelled it as the dividend cannot sustain the interest of asb loan. Hmmm ? Anyone hear this ?

cimb.. y u very tamak.. now need 3k asnb-v for 4.8%.. last time only 1k.. 

Does anyone knows if ASBF amount will be shown on myASNB portal or not.
Previously, in the blue passbook, you wont see it, only the dividend once a year.

For example, if I have 10K in ASB and I took 100K ASBF, will myASNB portal only shows 10K or 110K with the ASBF cert.

Thanks.

Thanks for sharing, can we get some sort of screenshots of it, if you don’t mind.

The finance or loan amount will not show in myasnb portal. Only will show the dividend and cash amount you put into your asb account....

Hi guys, wanted to ask

How long will it take to be disbursed into the asb account once loan is approved and signed? I have 1 bank who will take 1 month plus and another bank who promised just 2-3 weeks.

Yes you will lose the dividend for that month. The lowest amount in the account for the month means must be in the account for the full month.

hi guys, I need you guys to confirm about whether my calculation is correct?
I have both ASB and ASB2 but I can't touch my ASB because is under loan basis and already reached to 200k maximum limit.

So I have decide to put the rest money to ASB2. I'm deciding to transfer fund to ASB2 as saving basis then withdraw RM6,000 once for every two years to buy a new iPhone.

My saving plan is save RM2,000 in Feb, Oct and Dec for every year. For the year I decide to buy iPhone, I will not save RM2,000 in Oct and Dec but only withdraw RM6,000 out from my ASB2 to buy new iPhone. I will only save RM2,000 once at Feb in next year after I was purchased my new iPhone.

I was started my plan this year and deciding to save my money until October 2020 to begin my iPhone plan (time before new iPhone launch in Malaysia).

Currently I am using iPhone 7 Plus which was bought at last year and I may not decide to replace new iPhone at the moment but only to wait until year 2020.

Anybody can check whether my calculation is correct? The dividend rate is based on my estimation.

https://drive.google.com/open?id=1UzP0zJA40...k37RkhFgD31ii-z