actually ASB loan is really worth it,if u know how to use..let say you have some balance in your ASB account,for example 30k.
Then you loan for 55k add up from your current balance..then it will become 85k.

1.55k monthly repayment is RM562(included insurance) for 10 years

2.if ASB dividend give you 8%, then 85000X0.08=RM6800

3. RM6800 divided by 12 months = RM 566.66

so the dividend can cover your monthly payment for one year,but of course u need to pay
yourself for one year straight until the dividend announce.