I heard most people take Maybank Islamic

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.

Avoid asb loan at all cost. It has more cons tha pros.

BLR & BFR is the same. Islamic bank uses BFR term, while the conv banks uses BLR...

According to masami, BSN is having a promo now blr -1.85. u can check it out later

sorry I wasn't on laptop for few days..

1) you will never know how is the future's ASB performance. Yes right now it is been promising, would you guarantee that the dividend you obtained in future can pay out you loan?

2) there is no good thing about making LOAN with banks. If you can commit your self to pay your debt every month, why cant you commit yourself to save the same amount in ASB every month?

My wife will be Maybank Shari'ah staff early next year. Wonder if the rate will be significant compared to normal citizen like us.

She is delaying her application for 200k loan for a moment. Whatever the differences, it should worth to wait we guess.

The RM185 will go to principal and interest payment. So you only get the principal payment.
If you want for early termination, there is another technique doing it.

This is just an example. You take 100k LASB for 25 years but spilt into 5 cert (20k each).
Every 3 years you buy back 1 cert with the dividen money (RM6500 x 3 years = RM19500)
Instead of waiting 25 years to get the cert, you'll get 100k cert in say 10-12 years.

A friend of mine doing this technique and he already bought 2 cert.

no different, u took 100k loan on 5 certs or 100k on single cert u still get the same amount of dividend.. LASB works exactly as mortgage loan where the interest is calculated base on principle, unlike hire purchase.. so i get why he took multiple certs instead of one..

.. that is why u need to manipulate instead of taking the known path.