Since you are already commited RM1k/month, why not take the asb loan than?
Looking at the MBB repayment table, for current BLR rate, and assume same BLR for 20 years, for RM995 per month you can get a RM155k.

Say asb divident is 7% a year:

save RM995/month for 20 years
asb value at year 20: RM508,045
Total investment= RM995*20*12= RM238,800
Dividend: 508,045-238,800=RM268,245

Put RM155k on ASB, and continue paying banks at RM955
asb value at year 20: RM599,801
Total payment to bank: RM995*20*12= RM238,800
Dividend: RM361,001

asb 2 boleh buat loan ke? cimb kata haritu takleh hm.. rugi2

Looking at the divident now its impossible to get 100k for 5 years.. (5 years of 6.75% only get u a cumulative divident of 77k only)

let say i pay 1,200 per month for 5 years (200k loan maybank)
RM1,200 x 60 = RM 72,000 (to the bank)
divident 6.75 for 5 years (prediction) divident accumulated = RM 77,247

Profit of loan for 5 years: RM 77,247 - 72,000 = RM 5,247 

is it worth it?

Those who go to PWTC can please share their asb loan.

Guys, one question that I need to ask.

Currently I need some emergency money that I Want to withdraw some money from my asb account. The money is my personal investment not from the loan.
Question is, will it affect much my dividend calculation at the end of the year?

I am still trying to figure the bolded parts. Even the bankers and my managers friends are not too clear about this. For MBB and OCBC, the announce is quite clear, that the interests will accrue, but they wont accrue interests on the accrued interest

RHB has been sending my clients to pay on the 31st March, then likely you won't have to pay onwards. Unfortunately my function is up to the sales side, I have the same access to information as to any RHB (or other banks) customers regarding this.