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 ASB loan, worth to get it???

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eeeglow24
post Feb 4 2019, 01:54 PM

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Anyone here holding Asbf loan acc with HLB? Can you guys confirm if you can actually view the interest charged on the acc like MBB?

The screenshot below is from ASBF MBB acc. I was wondering if HLB can view similar things like below?
user posted image
eeeglow24
post Apr 2 2019, 03:20 PM

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QUOTE(wild_card_my @ Apr 1 2019, 05:04 PM)

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If we were to pay via pre payment, we still need to pay our monthly installments right?

Thanks.

eeeglow24
post May 11 2019, 09:58 AM

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QUOTE(wild_card_my @ May 8 2019, 10:02 AM)
This is what I predict:


1. for those who already have signed up with the bank, wil enjoy lower rates going forward due to the locked-in [spread], and reduced BR
2. for new application, the banks will adjust the [spread] so the margin is bigger, and the effective rate would be siilar to how it is now ~ around 4.85%
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HLB announced lower BR already?
eeeglow24
post May 11 2019, 11:42 AM

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QUOTE(wild_card_my @ May 11 2019, 10:10 AM)
Not yet. Those who signed up with the old rate will enjoy new lowered rates soon

HLB Base Rate (BR): 4.13% w.e.f 10/01/2019

HLB reference rates
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OK noted. Thanks
👍
eeeglow24
post May 16 2019, 02:47 PM

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QUOTE(wild_card_my @ May 16 2019, 11:41 AM)
Betul, all my customers who jumped in with me back then are getting 4.6% now. It's crazy low; imagine still paying 5%~ and above previously compared to this.

This applies to all the banks. When you bank's  BR gets reduced, so will your effective rates. Those who were paying 4.85% p.a is now paying 4.6% p.a.
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Ya just noticed that they reduced it effective 15.05.19. However, will they reduced my monthly payment? Or I'll be paying the same and this would cause my tenure to be reduced?

Thanks.
eeeglow24
post May 20 2019, 01:17 PM

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QUOTE(junclj @ May 16 2019, 12:33 PM)
Just notice that RHB loan drop again from 5.00% to 4.95%, the latest interest rate for ASB loan for 240months.

[attachmentid=10248147]
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Your installment amount reduced?
eeeglow24
post Sep 10 2020, 05:25 PM

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Anyone here with HLB ASBF? Just wanted to know if call the CS which option should be we choose. So far I can only hear personal loan, housing, hire purchase etc.

Thanks
eeeglow24
post Sep 24 2020, 11:26 PM

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QUOTE(perky @ Sep 24 2020, 08:50 PM)
Have you contacted them on the repayment option? I just received the sms to pay starting next month but I have not contacted them yet. This is the terms that i found on their faq from their website.

user posted image
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Have not yet called but thanks for the Faqs. The service installment amount greatly reduced as OPR cuts a few times already.

 

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