I want to ask all sifus when is the best time to terminate/apply asb loan?

Should I just wait next year when government announce year dividend? Or just straight away go with it?

I have 30k loan right now with maybank @ 5%, planning to go higher and choose other banks with better rates.

Yes bro but some people still dont want to do it due to religious reasons.

Hi guys,

Just want to ask you guys a quesiton.

If lets say I already have around 50k in my ASB account, am I still eligible for the 200k ASB loan? Thanks

Is there any benefit in taking takaful if you’re planning to cancel and refinance the loan?

Sorry newbie question

Thanks for the reply.

6% still considered okay i guess.

ASB2 bila boleh keluarkan? Nak buat rolling ni.

I really didn't know about this "unit boleh beli" until I download the app. Guess I can invest few more thousands on my ASB1. Thanks!

Some bank consider ASB dividends as part of your variable income

Not in near future, asb1 quota also almost out

I asked cimb officer 2 months back when I wanted to refinance. He said asb1 quota also almost out.

I suspect the dividend to be really low this year.. as other funds are doing really poorly too.

Bank may change the KA (kadar asas) or KAi (kadar asas islamic) anytime, even during tenure.

The 2% or "spread" is fixed. Right now the KA is 3%, so 3%+2% = 5%

If somehow, the bank changes the KA to 7% for example, then your total interest will be 7%+2% = 9%

asb2 financing already out of quota

Not in the near future...

Is this the lowest so far?

Dividend starts from March 2019 onwards

Dividend depends on the lowest amount of the month. So it's better if you put few days before the month starts.

2 january

Special reinvestment is bonus right?