let say u have rm10,000 in your current ASB saving account.
u apply a RM200,000 loan from ASB
when your ASB loan is approve, bank will issue a certificate of saving RM200,000.
that means now your ASB have RM10,000 of your saving and RM200,000 of certificate.
at the end of the year, which is financial closing, u will get your dividend based on RM10,000 + RM200,000.
but in your book, the amount that appear is only RM10,000 + total dividend.
the RM200,000 will never appear in your book unless the tenure ended.

owh. sorry for forget to inform u guys earlier.
there is maximum limit for ASB account set by the government.
u may consider it as u have reached maximum quota for single bumiputra.
one single person only allowed to invest maximum of RM200k.
if u already have your own saving, you should not have more than RM200k in your same account.

in your case, i would advise u to withdraw your current ASB saving into fix deposit account.
for more benefit, transfer your current ASB saving into your family's account, keep it in your parent's account or brother/sister.
just dont forget to collect your dividend and avoid being mixed up with their saving

So how much money do I need to pay upfront in order to make my ASB loan run on autopilot? Last time I didn't buy it when bankers persuade me to get loan for asb. But after I read thru this thread I know how this asb loan can be benifited for me.

Rm200k

if let say I wanna do early settlement, how much rebate I can get?

U can get this from PNB & Maybank websites, yes?

2012 Dividend = 7.75%
Principal = 200,000
Annual Dividend = 15,500
Monthly Dividend = 1,291.67

Loan 25 years
Monthly loan repayment = 1,165

Monthly cash flow = 127

Thank me now.

that means the upfront money I need to fork out is about RM15k to make my ASB run on autopilot. But let say if after 5 years, I have cash to settle the loan early, do I get early settlement rebate?

Anyway thanks

Thanks a bunch for all your reply. Someone from maybank has pmed me

yup this financing will affect ur DSR..
but if ur account in good conduct it could become an advantage if u want to apply for mortgage in future coz it already mitigate high risk..
btw, this will also turn into a future income for u as bank will calculate it as a 7% pa income to be added to ur salary..
so it got its pro and cons.
hope that help 

but after getting ASB loan, it will be harder to get other loan..such as car or housing loan as bank will take account . ASB loan is an option..house and car are necessity..my 2 cent only..unless you have car and house already, then go ahead.