Guys I just did a calculation, much to my surprise..

based on this: Maybank ASB Financing-i

Let's say that I took a 30k ones with 25 years of repayment schedule which is 176/month for 25 years

Using ASB Loan

Monthly = 176
Yearly  = 2112
Total    = 2112x25 = 52,800 (goes to Maybank)

Assuming that ASB dividend is 8% for 25 years

Total      = (deposit=30k) + (dividend=175,454)
              = 205,454

Nett total = 205,454 - 52,800(goes to Maybank)
              = RM152,654

Putting 176/month for 25 years

Monthly = 176
Yearly  = 2112
Total    = 2112x25 = 52,800(goes directly into ASB)

Assuming that ASB divident is 8% for 25 years

Calculated using this Online Calc

Nett Total = (deposit=52,800) + (dividend=108,290)
              = RM161,090

Using dividend to pay installment

Monthly = 176
Yearly  = 2112
Total    = 2112x25 = 52,800

Assuming that ASB divident is 8% for 25 years

Dividend per year = 8/100*30,000
                          = 2400

Profit                  = 2400 * 25
Total                    = 60,000 + 30,000
                          = 90,000

Nett total              = 90,000 - 52,800 (goes to Maybank)
                          = RM37,200

Summary

Basically you lose = 161,090 - 152,654
                          = RM8436 if you use the loan instead of putting 176/month for 25 years (assuming that u put it regularly)

U lose even more by using the dividend to pay the installment

And this is assuming BLR is the same for 25 years, which is impossible..
Also assuming that dividend is 8% flat for 25 years

Point me if I'm wrong cause I still can't wrap my head around this, how that we're blatantly lied to..

Sorry for the long post