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 ASB loan, worth to get it???

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zcatz
post Dec 11 2008, 11:06 AM

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pls google around. there are some people providing the calculator that compare saving in asb using loan vs topup monthly.

overall, i could say that not worth using loan. do u think y bank offer such loan? because they themselves can't put the money on it. so, they use us.

sikit2 lama2 jadi bukit! <- iklan ASB, remember?
zcatz
post Mar 1 2011, 12:24 PM

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QUOTE(azraeil @ Feb 19 2011, 02:50 PM)
.......... Ohh by the way, if you do not use the sijil (which is the bank loans), you most likely will get 7% only as teh 1.5% is for those who has the sijil. Trust me, ask those who don't take loans and they will say that they never get the bonus dividens (you only get the extra bonus dividens after you have been in ASB for 10 years for those not using the sijil)
who said this? pls check in the prospectus, the term DIVIDEN & BONUS. Sijil or Buku, both can get this.


Added on March 1, 2011, 12:31 pm
QUOTE(kaffra @ Feb 27 2011, 04:45 PM)
you can only invest up to 200k for asb
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initially limit = 200k. but, can be more actually. whatever your new high, will be your new limit.

yr 1, limit = asb 200k
yr 2, div 8%, new limit = 200k + div yr 1 (16k) = 216k
yr 3, div 8%, new limit = 216k + div yr 2 (17k) = 233k
yr 4, div 8%, new limit = 233k + div yr 3 (18k) = 251k
.......

you can withdraw & topup back to the max of your highest point.


Added on March 1, 2011, 12:34 pm
QUOTE(mr_nobigdeal @ Feb 19 2011, 06:48 PM)
guys, which bank is better, CIMB or RHB or Maybank for this loan?
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Maybank have islamic financing, blr-1.65% for max 25 yrs.
RHB have the package of paying the interest only, rate @ blr-1%.
CIMB, nothing special. blr-1.65% for max 20yrs.

depends on ur target.
my opinion :
- for fast & easy cash go for RHB/easyRHB.
- for long term..Mbb

This post has been edited by zcatz: Mar 1 2011, 12:34 PM

 

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