Help. I tried to calculate RHB's (and other bank's) ASB loan and got mindf*cked.

I tried calculating a RM50,000 loan for 20 and 25 years.

For 25 years:

Monthly payment (inclusive of interest) : RM 294
So Full amount for 25 years is 294 x 12 x 25 = RM88,200

ASB Dividend (7.65% pa): RM50,000 x (7.65/100) x 25 = RM95,625

So Net profit = RM95,625 - 88,200 = RM7425

All good and fine, BUT when I calculate 20 years.

20 Years x 332 (monthly) x 12 (pa) = RM 79,680

ASB - 50,000 x (7.65/100) x 20 years = RM 76,500

Which means theres NEGATIVE net profit... why?

Im really confused. HELP