Hahahaha...to pay loan for ASB 200k? other needed how? house? just rent till your ASB loan settle? die laaa...

For saving or investment in amanah saham, it is better if we do by our own...if emergency, we can withdraw easily.if pay loan, its burnt lahhhh

ASB loan

1st year, use own money to pay loan, end of year get dividend.let say 8k.
2nd year, use 8k to pay loan..

Own

1st year saving with same amount with loan, end of year have 8k CASH in ASB book + dividend.
2nd year, continue saving.
When emergency struck in mid of 2nd year and u need 10k...which one is better?????

Loan - use dividend as emergency, then fork out your money continue pay loan
Cash - lalaalalalalalalalalaa...smile of the way looking your ASB passbook..
GET IT DUDE?

Great!

If u save 1k per month with dividend 600 end year, you will get 12600 and its TOTALLY yours!

If take loan, pay 1k per month and get dividend 10k end year, what is TOTALLY yours? 2nd year still short 2k lah if use dividend along still not enough to cover?

Aiyahhh..just see the diff in term of end year dividend only.

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Added on November 11, 2011, 3:07 pmLet put it this way lah

bank got 1mil to loan out and want to take advantage of asb dividend.so what they do? They offer loan facilties to BUMIPUTERA to take the loan.so,what is the summary? Banks will get benefit of the dividend for whole tenure when the 'smarters' group say 2nd year onwards just use the dividend to pay monthly loan and put a hope when end of loan tenure, they will get total amount of monies with inflation factor 3% per year...hahahahaha..

Kepada semua ahli forum yang dihormati.

Izinkan saya berkongsi hasil pengiraan saya yang tidak mempunyai latarbelakang ekonomi.

Mari kita ambil contoh kes pinjaman asb selama 30thn berjumlah 100k. Kadar inflasi negara kita yang dicintai ialah 3% setahun, jadinya jumlah terkumpul selama 30thn ialah 90%! Ini bermakna, nilai wang 100k pada 30thn ke hadapan adalah bersamaan dengan nilai jumlah wang 10k pada tahun ini. Oleh itu, dengan bermodalkan 12k duit sendiri pada tahun pertama pinjaman asb dan mengharapkan wang 100k pada 30thn kehadapan yang sebenarnya hanya bernilai 10k pada tahun ini adalah amat tidak berbaloi.

Ini belum mengambil kira risiko perubahan pada kadar BLR dan juga kadar pulangan dividen asb yang tidak dijanjikan akan tetap pada 7% selama 30thn. Jika digoogle sejarah pembayaran dividen asb sejak ianya dilancarkan pada 1990, pulangan pada 10tahun terakhir adalah berkurangan jika dibandingkan pada 10tahun terawal.

Sekian.

for me.. why do u need to loan for ur savings?
rite now, everything is 'comel'.. ur monthly bayaran is 'cantik'..
but what happen in the future when u need to use money for emergency?
personally, i save a portion from my salary and put it in asb..
i have more, i put more. i have less, i put less.. i hv none, i put none..

and if there is economy guru here that can justify loan asb vs own saving.. this will be purrrfect XD