Just a gentle reminder to you lots that if you are planning to buy a house withing 2 years, refrain from getting the ASB loan.

The ASB loan will be recorded in your CCRIS as are other loans, and it will be calculated as part of your personal commitments. As such, for most people it is either buying a house with a loan or buying 200k ASB units with a loan, however, you cannot LIVE in the ASB can you? ANd you still need a house and you will continue renting.

I'm honestly tired of seeing clients who couldn't make it for their mortgage due to their ignorance on this little fact. ASB loan agents like we have in this thread will only talk about profits/returns and interest rates but never really care about your financial security as a whole.