Hi,
Is it okay if I apply my 1st and 2nd loan from different banks?
ASB loan, worth to get it???
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 Dec 6 2017, 06:47 PM
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#1
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Junior Member
106 posts Joined: Apr 2008  
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Jul 13 2018, 12:21 PM
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#2
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106 posts Joined: Apr 2008
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Hi, is it possible to revise ASBF? Mine currently is 5.45% (it was 5.2% when I applied back then) and I want that 4.8% without takaful
 Or is it the only way is to terminate and apply a new one? |
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Jul 13 2018, 12:25 PM
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#3
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106 posts Joined: Apr 2008
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QUOTE(wild_card_my @ Jul 11 2018, 04:13 PM) For MBB's 4.9% rate, Means for this promo, takaful is compulsory? Minimum RM50k, no lock-in Insurance minimum 5 years tenure, full amount (tally with the loan amount)   |
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Jan 26 2019, 12:26 PM
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#4
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106 posts Joined: Apr 2008
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Hi guys,
I'm thinking of cancelling my ASBF with MBB due to high interest rate @5.45% (it was 5.2% back then when i applied, and it increased last year  )Can suggest which bank with lower rate and no lock in period? As well as insurance is not compulsory? Edit: ... and usually how much will I get back if I terminate it now (loan started in Oct 2017)? Or do I have to pay them? This post has been edited by ichako: Jan 26 2019, 12:28 PM |
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Jan 28 2019, 10:04 AM
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#5
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106 posts Joined: Apr 2008
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QUOTE(cucikaki @ Jan 26 2019, 05:30 PM) U can check thru online banking how much u will get back. Nice. Thank you so much for sharing.I applied with rhb 4.90% with no lock in period. I think Hong Leong Bank is offering 4.85% but since i my application with rhb already approve then lazy to change here n there. Rhb also can opt without insurance Probably I will go with Rhb as well since I'm not familiar with HLB  |
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Jan 29 2019, 11:40 AM
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#6
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106 posts Joined: Apr 2008
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QUOTE(haziqnet @ Jan 29 2019, 11:03 AM) You start your loan at oct 2017. Thats mean u serve the loan less than 2 years. Im afraid you need to pay for the shortfall if terminate now. Better check through m2u or the bank your loan balanced. If your loan balanced is below than your loan amount than is ok to terminate but if otherwise better not unless u prepare to pay the shortfall. Yes, my balance currently is lower than my loan amount. It's just that I'm confused since the loan amount includes takaful. You apply the loan at mbb so im pretty sure your loan is with takaful. So to calculate the principal amount that I will get back, which one is correct? a) loan (100k) - balance b) loan (100k+takaful) - balance  |
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Feb 11 2019, 05:58 PM
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#7
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106 posts Joined: Apr 2008
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QUOTE(Qimra @ Feb 10 2019, 03:31 PM) JANGAN BERTANGGUH LAGI!!!! Hi,APPLY/MOHON *ASB FINANCING* WITH ISLAMIC FINANCIAL INSTITUTION *ATAU* *REFINANCES/MEMBIAYAI SEMULA MONTHLY INSTALMENT DENGAN RENDAH 4.85%...* SYARAT-SYARAT PERMOHONAN * BUMIPUTRA * 18 TAHUN & KEATAS DOCUMENT YANG DIPERLUKAN * IC (WAJIB) * 3 BULAN SLIP GAJI * 3 BULAN BANK STATEMENT *50K - 200K INTEREST RATE 4.85%* BULANAN * 50K - RM264.00 - 30Years *100K - RM528.00 - 30Years * 150K - RM792.00 - 30Years * 200K - RM1056.00 - 30Years KELULUSAN SEGERA DALAM MASA 24 JAM SIGN AGGREMENT DIMANA-MANA KAWASAN ANDA ( SELANGOR & KL ) ATAU BERHAMPIRAN ANDA HUBUNGI UNTUK PERTANYAAN LANJUT DENGAN MENEKAN LINK DIBAWAH & TERUS BERWHATSUP www.wasap.my/60172345595 www.wasap.my/60172345595 www.wasap.my/60172345595 Zul (Qim) Assistant Manager What's the difference between apply and refinance? I mean, if I already have ASB loan with Bank X but I want to apply with Bank Y with the same amount but with lower interest rate, the step is still to apply a new one and cancel the existing one right? |
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Feb 12 2019, 09:08 AM
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#8
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Anyway I've been wondering, ASB/ ASB2 has a max quota of 200k.
So if someone take up 200k asb loan, how do they keep the dividend compounding? Or they can't? Edit: Or is it because the loan is invested as cert, so the quota is not reached until the dividend (cash) in the account reaches 200k? This post has been edited by ichako: Feb 12 2019, 09:38 AM |
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Feb 14 2019, 09:36 AM
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#9
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106 posts Joined: Apr 2008
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QUOTE(debonairs91 @ Feb 12 2019, 05:53 PM) Really can? Worth it just because of the liquidity Yes, same like investing EPF Account 1 into unit trust. But all the money invested and the dividend will go back into your EPF account. Still can only be withdrawn once you retire.In other words, it's good if you want to save for retirement. But if you want to use the money for something else, better take up asb loan or save ur available cash into ASB2. This post has been edited by ichako: Feb 14 2019, 09:44 AM |
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