no, he is "pure" Serani, both his parents are Serani in Melaka's Portugese Settlement, he told me all Serani is Bumi, sounds very interesting need to dig my Kamus Dewan to check the meaning of "Bumi"

I just met Maybank to enquire on the ASB loan. So far i feel its worth because ASB calculate divident by monthly min balance. So ASB will count our dividen base on the borrowing amount which is bigger compare on self money saving.

They told me for the first year we just need to pay rm300 per month but the following years we only need to pay rm88 after deduct the dividen of 7% up to 15 years of loan duration.

Now im not sure which bank is offer better between CIMB and Maybank. Maybe someone can advise.

Thanks.

Mind to share why Maybank Islamic "HOLD" all application for ASBLOAN? 
Great Magic money rite? Invest RM13k 1st year, then wait 25 years, get 200k 

just found out if we do the loan, we'll get the loan amount deposited in certificate form into our ASB account. how do we check if the loan money is deposited already then? cause if we update our book it won't show the money in certificate form..please correct me I'm wrong.

just found out if we do the loan, we'll get the loan amount deposited in certificate form into our ASB account. how do we check if the loan money is deposited already then? cause if we update our book it won't show the money in certificate form..please correct me I'm wrong.

which one is a best method to make sure we get the good profit from asb.
1) make a personal loan with bank and put all the money to asb acc
2) make a asb loan at any bank that offer for this loan.

Bank Rakyat Share currently allow maximum RM 500 top up and new account also maximum RM500.. 

As i only able to put RM500. I also request for another 20k but until now not receive any new from Bank Rakyat

Now everytime you go to Maybank to open ASB account the salesperson will push you really hard until you agree to take this loan 

im lucky coz open asb acc at post office..so no salesperson ...btw can we potong our salary straight for asb?

I am not sure of ASB limit either 200k or 250k .. If 250k is the limit, you have no issue to top up ..

That is the capital limit whereas actual ceiling limit is more than 200k, depends on how much u let the dividend inside the account.

ASNB just stated that dividend for ASB 2015 is 7.25sen + 0.50sen.. quite low..
don't know if still worth to take/keep ASB loan?

i think thats not the main advantage of asb loan..maybe u dont really understand the concept   

we are talking about asb LOAN right

if u have extra cash that good for u lorr

the asb cert value is consistent

the loan is diminishing value

enough said     

p/s : i dont have asb loan..lol

watch this

https://www.facebook.com/khairul.ezuwan.1/v...?type=3&theater

Investing In Amanah Saham via Personal Loan, should you or should you not?
.....with a few scenarios ...
http://invest-made-easy.blogspot.my/2013/0...a-personal.html

sure why not.. tapi banyak lagi alternative lain..
boleh bagi pendapatan dividen from LASB.. untuk support future housing/car loan

dividen boleh jadi side income.. tapi sekarang dah makin turun..     

Yaa i also think it is insurance. But i already got prudential so dont think i can get double insurance if something happen.so might just can cel that rm 5 insurance.but donno can or not.
For cimb loan all branch have or certain branch only provide asb loan?

Agree that it will effect CCRIS. Asb is by no means the best investment vehicle. It's just one investment vehicle to consider. Other investments can bring better returns, like property, opening a business etc...

Investors should get their priorities right. If you've already bought a house, or in between buying houses or don't need that new car just yet, then take the loan. If you need to free up your CCRIS, then terminate the loan. Planning is key. And consider your budget and earning capacity.

If you've got nothing else to invest in or nowhere else to put your money then take the loan. When a new opportunity arises that you think will bring more income then terminate the loan. If your earning capacity can support both then go all the way!

You're right. But how many of us are married with both spouse having 200k in our ASB? I personally dont have a ASB loan cause I dont like to be tied to a bank. It will effect my job choice, my lifestyle etc. But my husband does because he has quite a stable job and our installment is about 10% salary only. Forced savings 

Yes properties take more effort n risk. Bigger returns need bigger effort n risk ma But I have almost 10 yrs experience of managing rentals, so that's within my alley. Some people may prefer stocks, gold, forex etc.

In the end, it all depends on your investment goals and your risk appetite