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This post has been edited by adymfi: Sep 1 2016, 10:47 AM
ASB loan, worth to get it???
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 Sep 1 2016, 10:45 AM
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Sep 1 2016, 10:47 AM
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#2
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[quote=hustlerism,Jul 22 2016, 02:50 AM]
What is this 5%? I heard there are alot of ASB loan technique. Mind sharing some of the best? 1 more question, which bank is better for ASB financing? Maybank or CIMB?  [/quote] I heard there are alot of ASB loan technique. Mind sharing some of the best? My 2 cents: My technique Put all your dividen .. from ASB and ASB2 Loan to Tabung Haji Serve ASB and ASB2 Loan every month from Tabung Haji At the end of year you will get dividen from ASB/ASB2 and Tabung Haji..  1 more question, which bank is better for ASB financing? Maybank or CIMB? [/quote] My 2 cents: CIMB Islamic is my choice  |
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Sep 1 2016, 05:21 PM
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[quote=buggie,Sep 1 2016, 04:50 PM]
[quote=adymfi,Sep 1 2016, 10:47 AM] I heard there are alot of ASB loan technique. Mind sharing some of the best? My 2 cents: My technique Put all your dividen .. from ASB and ASB2 Loan to Tabung Haji Serve ASB and ASB2 Loan every month from Tabung Haji At the end of year you will get dividen from ASB/ASB2 and Tabung Haji.. Why need to take out dividend to TH? How much is dividen in TH? [/quote] TH easy to withdraw money becos they can transfer online from Tabung haji to Maybank. Compare to ASB/ASB2 itself. |
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Sep 5 2016, 03:30 PM
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#4
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QUOTE(xeda @ Sep 3 2016, 03:09 PM) Baik bayar asb loan pakai duit sendiri je, biar dividend asb tu kumpul collect compunding interest, rugi je ambik dividend buat bayar loan. Aku buat loan besar bro ASB dan ASB2.. memang aku guna duit dividen untuk bayar ASB dan ASB 2 Loan.Ok lah tu.. modal untuk 2 akaun cuma 30k.. selepas 25 tahun dapat 400k dengan hanya rolling duit dividen sahaja. Pada aku lain orang lain cara.. buat loan dalam amount yang besar dulu baru boleh rasa feel dia.. |
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Sep 5 2016, 03:33 PM
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#5
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QUOTE(buggie @ Sep 1 2016, 08:00 PM) Agree here. Just my opinion, I think better to leave it in ASB/ASB2 because of the higher interest rate and to retain that compounding power I dont want to wasting my time took out the money from ASB and ASB 2 to serve Loans.Rugi setakat 1 peratus is no problem with me as long TH also provided dividen. |
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Sep 5 2016, 03:39 PM
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#6
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QUOTE(haziqnet @ Sep 3 2016, 11:47 AM) yes CIMB will be a good choice...if u have an offer letter from previous LASB u can get a discount of 0.2% for your current LASB...well about the technique are varied but most of it takes full advantage from the compounding... some people with a different styles to draw their financial pattern & strategies. For me, I suit with that style of method. And already did this few years before. And this pattern benefits me without any prejudice.yes correct...why should u allocate to other places when u can earn more with only one bucket...the longer u keep ur LASB the greater ur investment will be... with 200k if u can keep it for 30 years, u can earn about 1.6 million...thats the power of compounding... ur total payment only 396k for 30 years but u can earn about 1.2 million nett.. Kuddos |
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Sep 6 2016, 08:33 AM
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#7
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QUOTE(mt24 @ Sep 5 2016, 08:52 PM) Satu kat asb satu kat asb2 ke? Ya. Aku dah penuhkan dua akaun ASB tu.. Guna duit dividen rolling asb dan asb2 setiap bulan. Ambil sikit2 dari Tabung haji secara online. Pindahkan ke akaun Maybank.Aku cam ada terkilan sket letak 1/3 loan amount aku kat asb2. Nyesal dengar pujukan staf mebeng. Malas aku nak pergi bank tiap2 bulan keluarkan dari ASB dan ASB 2.. This post has been edited by adymfi: Sep 6 2016, 08:33 AM |
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