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View Poll Results: Adakah ASB Loan cara paling selamat untuk mendapatkan pulangan yang tinggi.
Setuju 619 56.53%
Tidak setuju 198 18.08%
Tidak tahu 278 25.39%
Voters: 1095. You may not vote on this poll

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  #1  
Old 05-02-2010, 09:05 PM
Mailie Mailie is offline
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Smile Best Tips of ASB Loan by Maybank

Salam,

Sesapa minat nak wat ASB Loan, leh bagitau.

Table & Form leh refer attachment link.

BLR : 5.80%
Promosi : -1.65% (sepanjang tempoh loan - lowest ever)
=============
Final = 4.15%
=============

So, caner nak wat duit ngan ASB Loan nie ?

Cth, kita amik ASB Loan RM200k, monthly dlm RM1,100-00 je, tempoh amik yg paling maksimum 25 tahun (klu amik tempoh pendek rugi). Kita assume dividen ASB 7% saja (total dividen 2009 adalah 8.55%). So, bagi yang xnak byr loan lama2, bleh buat payment utk thn pertama saja, first year only bro.

Payment : RM1,100.00 X 12 bln = RM13,200.00
Dividen : RM200,000.00 X 7% = RM14,000.00
==================================
EXCESS DIVIDENT = RM800.00
==================================

Maknanya, klu dah mls sgt nk byr monthly lama2, gunakan dividen tu utk byr next year punya monthly. So, keje anda hanya dtg ke bank pada setiap bulan january utk kuar kn dividen & byr ASB loan trus setahun punya monthly. Just buat mcm tu setiap tahun. End of loan pyment nnt dpt RM200,000.00 kn untung tu ! Modal yang kita kuar hanya pymt 1st year jer RM13,200.00. Tu x masuk lg lebihan dividen setiap tahun sebanyak RM800.00 setiap tahun tu.


25 thn tu lama sgt la........

- Apa ??? 25 thn tu lama sgt ? Mmg la lama, dh tu korang pun cuma byr 1st year punya payment jer, end of loan sok dpt RM200k, kira lbh dr adil la tu.



Apa akan jd kalau interest (BLR) naik, atau dividen turun ?

- senang jer bro, cancel je la loan tu. Tp nk inform sket, dlm masa 2 thn pertama xleh cancel sbb ada 'LOCK IN Period' 2 thn. Tp jgn risau, klu ikut market watch kt M'sia ni, rate ASB xkan turun mendadak sbb nama pun Amanah Saham BUMIPUTRA hehehe...kok mengamuk org melayu nnt...!!! Kadar interest pun xkan naik mendadak, sbb bleh effect local economics.


So, pesan saya & tlg sampaikan pesan sy ni tu sume MEMBERS yg berstatus BUMIPUTRA......Tolong la buat ASB loan, kalau anda jenis semalas2 umat pun tlg la buat at least maintain payment for the 1st year, itu saja.

Kurang2 masa korang pencen sok ada la saving ASB, bukan kne byr tiap2 thn pun (tp klu bleh byr setiap bulan sepanjang tempoh loan, lg la byk korang dpt).

Lg 1, klu apa2 jd kt korang, kematian atau cacat kekal sekurang2nya waris akan dpt jumlah yg korang loan tu. klu loan 200k, dpt 200k la sbb ada cover insurans.

OK sume, pape hal x clear sms ler

Moderator Note : Email & tel no deleted - No direct promotion allowed!

Regards


[/QUOTE]

Last edited by Mailie; 01-12-2010 at 01:03 AM.. Reason: Add attachment
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  #2  
Old 05-02-2010, 09:16 PM
sufian_adi sufian_adi is offline
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mmmm....cam menarik..mintak pandangan otai2 sket...secara teorinyer cam menarik,x tahu plak nanti realitinyer
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  #3  
Old 05-02-2010, 09:49 PM
Mailie Mailie is offline
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mmg menarik giler, mmg rugi sapa x buat.

jgn anggap sy buat sale lak kt cni, cume nk tlg kaum bumiputra buat saving jer.

klu nk buat sale, baik sy market credit card, personal loan atau insurance jer hehehe......
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  #4  
Old 05-02-2010, 10:16 PM
syawal_shafiee syawal_shafiee is offline
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Default dah buat...

heeee... aku pon dah buat loan tuh... kat m'sia nih.. ada 3 bank ja yg buat ASB loan... RHB, Malayan Banking ngan CIMB... (bnyk bank nak apply jugak)...

dulu mcm malas nak buat... aku mana ada duit, tapi dah mak aku yg paksa, aku ambik juga... agak untung... n aku pusing duit dividend jugak... haha...

kalau sapa, yg nak buat aku bg cadangan lah.. p ke RHB bank.. sbb monthly installment dia murah sikit.. (ada satu bank tu, diff dia sampai RM50 sebulan... *aku dah terkena*)

maybank pulak untung dia:: blr rendah n ada stage di kurangkan lagi.....

CIMB aku tak check lg.. huuu... apahal pon, masing2 bank ada kebaikan n kekurangan sendiri.. ikot poket kita jugak... hahahah...
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  #5  
Old 05-02-2010, 10:47 PM
Mailie Mailie is offline
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ya btul.....klu ada apa2 nk tanya habaq mai....

aku akan jwb as a maybankers....
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  #6  
Old 05-02-2010, 11:57 PM
syamz syamz is offline
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yeler,,

sapa xnak 200k..

tapi,,kena tgk gak,,layak ker tak,,utk buat loan 200k tuu


akuu??? mmg sah tak layak,,,60%gaji byr utang,,huhu


..
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  #7  
Old 06-02-2010, 12:04 AM
Mailie Mailie is offline
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layak x layak tu leh adjust bro, yang paling penting skali larat ke x larat nk ngadap monthly utk thn pertama tu.

X semestinya 200k, leh reduce ikut kemampuan. Tp kne ingat satu perkara dlm bab loan ASB nie ; ORANG TAMAK SLALU UNTUNG, dia rugi skali jer, masa 1st year hehehe....
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  #8  
Old 06-02-2010, 12:20 AM
razif1224 razif1224 is offline
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Semuanya terpulang pada diri masing-masing.

Cara terbaik adalah mulakan dengan simpanan di ASB.
Itu tabiat yang baik.

Jangan pula nanti yang dikejar tak dapat,
yang dikendong keciciran...

Benda atas teori mmg cun, realitinya tak ramai
yang sanggup bertahan pada tahun pertama...
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  #9  
Old 06-02-2010, 12:25 AM
the twelve the twelve is offline
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Kalau la aku dah kerja, mmg berminat nak menabung dgn cara ni..
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  #10  
Old 06-02-2010, 12:29 AM
cdan cdan is offline
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bukan semua orang berkelayakan utk loan RM200K...
bukan semua orang mampu membayar RM1070 sebulan x 12 bln...
ukur baju dibadan sendiri....
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