I took a housing loan and the manager straight give me an ASB loan for 200k. for the first year it will automatically deduct from my saving account RM1k++ then the 2nd year would be deduct from the ASB dividend. its from maybank, and i was not really listening to their explanation, what i care was at that time was my housing loan. lol. but i think its worth it for long term probably in 20years time since im still 23y.o this year