For me,it was worth it.I manage to get an offer from Maybank for ASB Loan of RM30K at interest rate of BLR-1.75% for the first 2 years and BLR-1% thereafter.So, i have to pay RM215.00 monthly.As the dividend was steady at 7-8% yearly,i manage to get a dividend of about RM2400 yearly.So,for the past 1 year i pay as usual and starting next year if PNB declared 8% dividend , i will get RM2400 dividend.So, i will pump in this dividend into ASB loan and only need to pay another 180 for next year.So,starting next year if the dividend still steady i just need to top up around 200 yearly and by the end of my loan i will get my RM30K.Currently my interest at 4.75% due to reduction in BLR.For me,it was worth!!!.So,total i have to pay is RM2580(12x215) + (200x19 years) = RM6380.So,overall, i paid RM6,380 but in return i get RM30,000.00. Count it yourself.Mb next year onward if more offer i will try to apply another ASB loan.