This is my analysis of investing using loan. As some of you might know, investing on loan is quite popular among Malaysians. Even some banks make a fully describing brochures to attract people. One of the main confusions is the monthly pay. I noticed some banks use lower monthly payment but here, I’m going to use standard BLR + 0.4% as the interest rate which is 6.9%. Some calculations are done with the help of online calculator. There are a lot of methods to invest using loan. I will just analyse the ones that I think the best.
Update: Too tired of numbers? Use my simplify ASB calculator instead.
If you would like to share your ASB investment plan, here is the place
The data that I used in this calculation is as follow:
Interest Rate:6.9%
Dividend Rate:7%
Lending Terms: 10 years
Loan Method 1:Dividend will be used to buy more ASB shares
Monthly Payment = $587 (using online calculator)
Conventional Method 1: Invest $587 monthly for 10 years in ASB
Verdict:
Loan Method :Total Investment at the end = $98357 ( 39.63%)
Conventional Method:Total Investment at the end = $103888 ( 47.48%)
Total Cost: $587 x 120 = $70440
Loan Method 2 : Dividend will be used to pay monthly loan payment.
Monthly loan payment minus Monthtly Dividen = 587 – 291.66 =$295.33
VS. Conventional Method 2 : Invest $587 monthly for 12 months, and $295.33 for 108 months
Verdict:
Loan Method :Total Investment at the end = 50,000 ( 28.40%)
Conventional Method:Total Investment at the end = 58884 (51.22%)
Total Cost: ($587 x 12) + (295.33 x 108) =38939.64
Click For to see How I get the Numbers: Calculation Or click the Thumbnail Below
Please comment if you see any discrepancy. Thanks
Addendum:
BLR (Base Lending Rate) – A minimum interest rate set by Bank Negara. It will change over time and not fixed.
Dividend – Distribution of earnings to shareholder. ASB’s dividend is around 7-8% each year.
#1 by kokai on January 20, 2009 - 10:34 am
do u know any bank that offers fixed interest rate/mnthly payment for this ASB Loan?
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#2 by pijul on January 25, 2009 - 1:21 am
i have took loan for 5 yrs now, and from what i can see, after 1 year of investing, the dividen can pay back your loan. But i have no intention to take the dividen out. Just let the money grow and you may surprise of what they will become in future. Believe it or not, 200000 will become 1 million in 20 yrs! enough spending after your retirement for 7k-8k per month. That is in fact, you did not touch your 1 million. That is my goal.
ps…. BLR now become low (5.75% in this february. U can take a look at any bank. My suggestion – CIMB)
[Reply]
ju reply on May 13th, 2009:
I totally agree with you. I joined the scheme 4 years ago and I believe I can be a millionaire by the age of 50
BTW I’m 34 now.
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#3 by Deeno on January 28, 2009 - 11:58 pm
Benda ni kene melalui paksaan. Latih diri pergi bank simpan sikit2 dlm asb setiap bulan.
X perlu ambik loan.
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#4 by pijul on February 1, 2009 - 1:32 am
1 perkara utk renungan semua….. pinjaman ASB adalah penting utk seseorang yg memikirkan masa depannya (bila dah pencen). Jumlah selepas loan (say 20 thn) dari pinjaman adalah melebihi dari simpan tiap2 bulan….. Bila seseorang itu plan mengeluarkan ASBnya setiap bulan (lepas pencen), jumlah yg dpt dikeluarkan selepas buat loan adalah lebih besar dari simpan bulan2 masa dia kerja dulu. Itu adalah matlamat yg patut ada bagi sapa2 yg ambik loan. Jgn dok ambik loan tak pakai otak, jgn ikut org jer….
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#5 by lompong on February 1, 2009 - 6:48 am
memang betul apa yg dicakapkan oleh pijul. Fikirkan apa matlamat anda untuk masa depan kewangan anda sebelum meneruskan langkah seterusnya……
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#6 by joel on February 4, 2009 - 3:16 pm
Guys, my 2 cents.
I believe taking a loan for ASB is definately more profitable compared to the ‘conventional’ saving method although through calculations, you will most likely have to fork out your own cash for the first 1/2 years before you receive your dividend+bonus and make some profit.
As an example, for a 200k loan (20 years), one would expect to pay around 1.4 – 1.5k a month to service the loan which sums up to be 18,000 a year. Say the dividend+bonus for the year is at 8% average.
In a Nutshell – Year, 1 200,000 x 0.08 = 16,000
2 216,000 x 0.08 = 17,280
3 233280 x 0.08 = 18,662
and so on for the next 20 years. if the big picture is looked on, you would get 863,140.21 if you dont touch your yearly income of ASB dividend. Now, compared to investing 1500 everymonth for 20 years, that would only come up to half of what you would get from ASB loan (1500x12x20 = 360,000)
Many might think i cant afford RM1500/month. Fine, start off with a smaller loan amount to kick start your investment. Besides, when the bank tells you its X amount of years, its usually does not take that long to fully finance the loan. *depending on BLR.
This is the otherside of the beachball which some people may miss. Hope this post proves useful for you guys.
Cheers!
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#7 by hannah on February 7, 2009 - 3:57 am
hye people,
i hope somebody could clear up my mind.
i am actually just getting involved with this loan and asb thingy and seriously after reading half way of all this comment, i feel a bit scared.
i took loan from maybank of 50k for 25 years and will be paying rm298 monthly.
and what made me worries now, when i heard people said that ‘maybank byk problem’ and ‘ramai org kene tipu’
oh no! is that true?
is there any advice for me?
im in confusion state now whether to cancel or just to proceed. or can i change to another bank? and which bank is better? or itu cume sekadar cakap2 org? hmmm…
i really hope for a reply soon, so that i can still have time to make decision since i’ll be flying back to australia nextweek.
thank you people.
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#8 by lydia on February 17, 2009 - 12:08 pm
hi,
kpd sesiapa yg blh membantu..
sy bekerja bru 6bln,,basic salary selepas tolak epf n socso rm2.2k..car loan n komitmen yg len2 mbolehkn sy menyimpan lebey kurang rm400 sbln..skang sy nk wat asb loan..tp masih was2..krn tkut akn komitmen..sbg anak sulung membantu family merupakn komitmen sy yg utama..tp dlm pd masa yg sama sy igin mnyimpan tuk masa dpn sy sndr..
ada sesiapa yg ign berkongsi pnjg lebar ttg pengalaman atau nasehat blh email di blossom_child83@yahoo.com..
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#9 by mat on March 5, 2009 - 12:12 am
one thhing i dont understand..adakah sijil dikira sama dengan profit kita dpt untuk next year?
lets say..asb loan 20k.. then 1st year get a profit..then 2nd second year profit based on total 20k+1st profit or just 20k based certifct??help me??
[Reply]
Irwan reply on March 5th, 2009:
The purpose of sijil is to be a kind of collateral. It doesn’t mean that the money/investment is fixed for the amount of the certificate. It’s just to show to whom it might concern that you have the money inside it.
So i think, you will get the dividend of 20k+1st profit for the second year.
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#10 by syuhada on March 11, 2009 - 9:09 pm
saya baru apply loan ASB from maybank..loan saya rm20k for 20 years. Monthly RM132.
harga belian saya RM20000 + RM293 (insurans).
harga jualan pula rm47,059.60. Ape maksud harga jualan?
Lagi 1, ape maksud Kadar Pembiayaan Asas (KPA).
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#11 by syida on April 8, 2009 - 12:25 am
rasanya harga jualan tu = total investment + interest + insurans
Kadar pembiayaan asas (KPA) / Base Lending Rate (BLR) = Rate minimum yg ditetapkan bank negara, tak fixed tp jarang berubah.. latest baru ubah dari 6.75% utk beberapa tahun lepas kepada 5.55% sejak Mac 2009. Loan rate yg sedia ada akan based on rate ni, tak kira lah KPA – X% atau KPA + X%.
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#12 by arnas on April 24, 2009 - 3:48 pm
hi,saya dari sabah ,suami saya ada buat loan ASB rm30k masa dia kerja di semenanjung, memang buat loan untuk masa hadapanlah…tapi saya jadi takut kalau rugi….than sejak pindah sabah 1 tahun yg lalu ,statement tidak pernah sampai kpd kami,jadi kami tidak tahu perkembangan pelaburan yg kami buat.kami sudah buat laporan dgn maybank sabah tapi dia tidak pasti bila boleh dapat.
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#13 by shafree on May 3, 2009 - 10:35 pm
ASSALAMUALAIKUM… KEPADA RAKAN SEBUMIPUTERA.. INGIN SAYA CERITAKAN PENGALAMAN SAYA MENGENAI ASB.. HARAP HARAP JADIKAN PENGAJARAN.. TAK PERLU KITA TAMAK UNTUK MENDAPAT LEBIH BANYAK HASIL DARI ASB… CUMA PERLU SEDIKIT DAN BERSUSAH SEDIKIT..
CARANYA:
AMBIL LOAN DARI BANK(RHB,MAYBANK,CIMB,IKUT KEMAMPUAN …BAYAR UNTUK SETAHUN SETENGAH,, DPAT DIVIDEN,, SELESAIKAN,, AMALKAN TIAP TIAP TAHUN ,,SEHINGGA TAMAT PERJANJIAN.. SENANGKAN.. SEBAB SAYA PUN AMALKAN CARA
YANG SAMA.. SAYA AMBIL ASB ISLAMIC LOAN MAYBANK BULAN DISEMBER,SEBANYAK RM 100000 (SERATUS RIBU) SELAMA 20 TAHUN, JUMLAH BAYARAN BULAN RM 641, PAYMENT SAYA BUAT SELAMA SETAHUN (DAH BAYAR LUMP SUM SEBAB DALAM TANGAN ADA 10000, )SO, RM641 X 12BULAN = RM7692.. MASUKKAN DALAM AKAUN MAYBANK.. SYARAT UTAMA KENA BUAT DEBIT AKAUN.. TUNGGU HINGGA JANUARY TAHUN DEPAN.. DAPAT DIVIDEN ..KASAR KASAR 8% BERSAMAAN RM 8000 DARI RM 100000,.. KELAURKAN DIVIDEN DAN MASUKKAN DALAM AKAUN.. LAKUKAN SETERUSNYA SELAMA 20 TAHUN.. CUKUP TARIKH ANDA AKAN ADA RM 100000 …. SENANGKAN.. SAYA JUGA MERANCANG UNTUK MEMBUAT PERKARA YANG SAMA UNTUK ISTERI DAN ANAK2 SAYA.. ISTERI RM 50000, ANAK2 RM 20000.. SELAMA 20 TAHUN… CUKUP LAH UNTUK ANAK SAYA YANG BARU SETAHUN DAN DUATAHUN NANTI BILA UMUR DAH SAMPAI 20 TAHUN MASING MASING ADA RM 20000.. SEBAB LOAN UNTUK RM 20000 SELAMA 20 TAHUN CUMA RM 128 SEBULAN ..RAMAI YANG MAMPU KAN… INFO YANG SAYA DAPAT.. MAYBANK MAMPU BUAT LOAN SECARA BERASINGAN… UNTUK ISTERI SUAMI SEBABGAI PEMBAYAR.. UNTUK ANAK ANAK.. GUNA ASB SUAMI ATAU ISTERI.. CUKUP LAH SAYA BERSUSAH DULU… JANGAN ANAK ANAK SAYA TERPAKSA BERSUSAH APABILA DEWASA NANTI.. SEKIAN WASALAM…
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#14 by adeq on May 17, 2009 - 1:26 pm
Hi
Saya cuba jelaskan sedikit berkenaan dengan accumulated dividend yang agak memeningkan kepala kepada investor2 baru.
Maximum capital as at today is 200,000 RM.
Maksudnya, kepada pelabur baru maximum unit anda yang boleh dibeli adalah 200,000 unit @ 200, 000 RM.
Jika anda mula melabur pada hari ini, dan kononnya dividend ASB 7% pada tahun 2009, maka simple calculation;
Kiraan dividend 2009 = 200,000RM * 0.07 * 6/12 (pro-rata jun-dec)
= 7,000RM
Jadi untuk tahun 2010, maximum unit untuk pelabur tadi adalah = 200,000RM + 7,000RM = 207,000RM
Untuk kiraan dividen 2010 = 207,000RM * 0.07
= 14,490RM
Jadi maximum unit dalam ASB pelabur adalah;
= 207,000RM + 14,490RM
= 221,490RM
Maximum unit bertambah disebabkan accumulated dividend.
Walaupun bila-bila masa, pelabur mungkin akan ada membuat pengeluaran, the maximum unit masih 221,490RM.
Dan kiraan maximum unit akan bertambah setiap tahun sekiranya pelabur tidak membuat pengeluaran.
Disebabkan ini, ada pelabur ASB mempunyai nilai ASB hampir mencecah jutaan RM, kerana pelabur itu telah memenuhkan akaun pelaburan sejak tahun permulaan ASB (1981).
Maaf jika saya salah. Hanya berkongsi apa yang saya tahu.
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#15 by bangLONG bukan ahLONG on May 26, 2009 - 1:23 am
the power of compound interest!
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#16 by sulaiman on May 30, 2009 - 9:41 pm
salam…
pengalaman saya..awal thn 2009 ambil 200k asb loan kat maybank utk wife,dapat rate -1.65% blr 1st 3 year,selepasnya -1.5%…ambil 20thn mungkin exit lepas 3-5thn..so masa tu 3thn dah ada sekurang2nya 70k,,or 5thn ada 120k..bebaskan diri dari bank ambil nilai diatas tadi masuk asb balik,bayar bulan2 macam biasa lebih berbaloi&menguntungkan….
skang dgn khabar cimb bagi rate lagi best 1.75% utk 5thn kalau tak silap….
ok itu utk wife..tetapi untuk aku memandangkan ada modal 70k..aku try labur klse dgn pengetahuan minima,bulan pertama aku dapat 5% untung..masuk bulan kedua ada sekitar 20% pasal dah pandai sikit,kini baru dua bulan dapat 25%…
so cadangan aku kalau ada modal masuk klse lebih berbaloi!..jika forex org kata dlm 100 org..95 org gagal..klse dlm 100 org mungkin hanya 10 org gagal/rugi,dgn syarat jgn tamak,jgn main kontra yg guna duit margin/bank..ketahui beberapa larangan,perangkap dan selalu hubungi ejen bank sebelum beli mana2 kaunter…ramaikan contact yg main klse…sayapun tenggah slow2 ikut cara ini.
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#17 by Agnes on June 3, 2009 - 4:37 pm
oh God…the more i read about this topic the more i get headache…actually i plan to take maybank loan for ASB but i found out more cons than pros hence i decide better for us to just save our own money to ASB without loan…
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#18 by sulaiman1 on June 5, 2009 - 8:32 pm
ASB loan mmg menguntungkan kpd mereka yg baru nak start menyimpan dari zero…dgn loan 200k..lepas setahun anda dpt 15-16k dividen&bonus campur lagi yg tak nampak prinsipal yg berjumlah sekitar 6k…adakah bulanan yg sama(rm1300.00) anda dapat itu semua?…
lepas 3-5thn exitlah masa tu dah nampak 70-110k..masa ni baru sesuai rutin labur tanpa loan…
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#19 by yg pening on June 15, 2009 - 3:49 pm
aduihhhhhh peninggggggggg
skrg ni ok ke tak kalau nk labur asb loan? tu je nk tau
lain2 yg memening kan tak mau tau
huhuhuh
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#20 by sal on June 21, 2009 - 6:17 pm
Kalau nak tau cuba la experiment sendiri 10k 4 tahun….then you may feel it…
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#21 by sal on June 21, 2009 - 7:38 pm
Sebenarnya ramai orang tidak tahu hakikat sebenar Pinjaman Peribadi (Personal Loan) ni. Kalau personal loan itu dikira secara straight-calculation (seperti pinjaman kereta yang mempunyai fixed-interest), interest sebenar yang dicaj tidak sama dengan interest yang dipamerkan.
Pinjaman untuk 5 tahun pada 7.05%
Interest sebenar pada kadar APR = 12.6%
Pinjaman untuk 7 tahun pada 7.55%
Interest sebenar pada kadar APR = 13%
Walaupun nama pinjaman Islamik, pengiraan semua cara konvensional. Masalahnya, walaupun di dalam surat perjanjian ada tercatat interest sebenar dikira mengikut APR (Annual Percentage Rate), sesetengah bank tidak telus dengan TIDAK menyatakan kadar interest sebenar ini semasa berurusan dengan pelanggan. Sebaliknya mereka mengguna published rate 7.05% & 7.55% sehingga membuatkan pelanggan seperti anda menyangka mendapat faedah pinjaman peribadi yang rendah seperti pinjaman ASB Loan yang berasaskan kadar BLR 7%.
Kalau melabur ke ASB guna personal loan pada kadar interest 12-13% setahun, dan duit itu tadi dilabur dalam ASB yang cuma beri 7-8% setahun, nampak seperti tidak rasional. Sebaik-baik pelaburan adalah guna duit sendiri, dan bukannya dengan duit yang dipinjam (duit hutang).
Katakanlah anda pinjam RM 10,000 pada kadar 7.05% untuk 5 tahun. Interest sebenar 12.6% dan bayaran bulanan adalah RM 226 . Jumlah pembayaran selepas 60 bulan = RM 13,560.
Simpan duit RM10,000 itu dalam ASB yang beri faedah 7% setahun. Selepas 5 tahun, ia menjadi RM 14,025, dengan syarat dividen ASB dilabur semula.
Keuntungan yang anda dapat selepas 5 tahun bersusah payah bayar pinjaman
= RM 14,025 – RM 13,560 = RM 465 sahaja.
Alternatively, kalau anda simpan RM226 sebulan dalam ASB yang beri 7% setahun untuk 5 tahun,
Total Contribution = RM 13,560
Total Investment Value selepas 5 tahun menabung = RM 16,274.
As you can see, menabung dengan duit sendiri sebenarnya lebih untung, kerana pulangan lebih tinggi dan pulangan tersebut anda dapat bersih, tanpa disapu oleh pihak bank melalui interest yang dikenakan ke atas pinjaman peribadi ada. Masalah disiplin atau tidak, sebenarnya adalah isu peribadi. Mengapa bila berhutang boleh disiplin bayar RM226 sebulan tanpa gagal, sedangkan jika menyimpan RM226 sebulan anda akan dapat lebih dari itu?
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#22 by sulaiman on June 22, 2009 - 3:37 pm
adalah kurang bijak melabur dlm loan asb dgn cara meminjam personal loan..yg sah menguntungkan adalah asb loan bayar pakai duit gaji etc anggap sebagai menyimpan,ini lebih menguntungkan drpd simpan bulan2 tanpa loan,dgn syarat baru nak start menyimpan dlm bank masih sgt minima atau kosong…
ambil pinjaman 20thn exit 3thn….baca tulisan saya yg lepas…
jadi kalau ada yg bertanya untungkah loan asb jawapannya mmg untung terutama kpd mereka yg tiada simpanan lansung!
sebab itu saya berani ambilkan utk isteri asb loan 200k.
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#23 by ashriq on June 26, 2009 - 9:33 am
Kepada yg berminat untuk buat pijaman,sila lah buat.tapi jangan lah harap selepas 20 tahun dividen akan terus naik tapi akan semakin menurun berlawanan dengan peningkatan bumiputra.
Asb bermula pada tahun 1981,10 tahun pertama pendapatan dividen adalah 20 % tetapi 10 tahun kedua berkurrangkepada 10 peratus,
dan 10 tahun kemudian nya berkurang kepada 8 peratus.
iaitu tahun 2000 hingga 2009.
jadi kepada pelabur bumiputra jangan lah berharap pelaburan ASB akan bawa untung tetapi anggap lah sebagai insuran kematian yg dapat membantu keluarga anda jika berlaku sesuatu kepada anda…
saya menjangkakan pelaburan ASB akan menurun sekitar 6 peratus 10 tahun mendatang berdasarkan statistik 30tahun yg diambil…
harap pelabur semua bersedia bayar lebih hutang…anggap sebagai insuran
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#24 by rompin on June 26, 2009 - 5:29 pm
oklah tu…insuran nyawa dpt..duit yg labur 100% dpt selain untung walaupun sikit…bank untung kitapun untung….
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#25 by zainah on June 28, 2009 - 5:44 pm
anda semua beruntung labur di asb saya labur dlm unit trust semasa tahun lepas masih rugi kalau jual sekarang..berbabnding asb anytime boleh keluarkan malah dpt dividen.
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#26 by su on July 11, 2009 - 9:01 pm
contohnya sa guna duit sendiri labur dalam ASB
rm200,000
lepas 20 thn, berapa saya dpt?
please tlng kira kn
guna rates 2009
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#27 by su on July 11, 2009 - 9:04 pm
contohnya sa guna duit sendiri labur dalam ASB
rm200,000
lepas 20 thn, berapa saya dpt?
please tlng kira kn
guna rates 2009
dn dalam ms 20 thn saya tidak mengambil keluar satu sen pn.
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zak reply on July 12th, 2009:
kalau dah ada dlm tangan 200k…asb atau asb loan adalah pilihan terakhir..kalau saya paling senang masuk bank persatuan beri 12% setahun …atau beli saham ‘bawah nilai’ klse,mmg berbaloi if lucky kurang setahun leh double 400k…
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#28 by su on July 11, 2009 - 9:22 pm
begini ka pengiraannya??
contoh:
Loan= rm200,000
Interest= 5%
Time= 20 years
Total= rm200,000×105%
= rm210,000
ASB= rm200,000
Dividend= 8%
Time= 20 years
Total= rm200,000×108%
= rm216,000
rm216,000-rm210,000= rm6,000
untung selepas 20 thn rm6,000
begini ka??
ni cuma sbgai cnth
Payment
[Reply]
rossa reply on July 22nd, 2009:
Dear Su,
camni,
cash rm200k in asb,
after 20 years @ 8% div = rm622,427.20
i amik factor for 5 yrs utk 8% rtd is 1.45
yr 5 = 200k x 1.45 = 290,000
yr 10 = 290k x 1.45 = 420,500
yr 15 = 420,500 x 1.45 = 609,725
yr 20 = 609,725 x 1.45 = 804,101.25
i saje highlight every 5 yrs to compare dgn loan rm200k with assumptions dividen x amik langsung.
if by loan, sijil of rm 200k is kept by the bank so u cek senario below
yr 5 = rm 90k
yr 10 = rm 120,500
yr 15 = rm 409,725
yr 20 = rm 604,101.25
the money abv is the dividen dlm u pnyer buku asb dan yr 20 you dh abis byr asb so u blh dpt blik 200k tu so u dpt sebyk rm804,101.25. klu u nak kira utg tak, u tgk installment u dgn bank berapa amaun then darab dengan 240 bln. u minus total amoun u will get at yr 20 dgn total u dah byar kat bank.
cth,
mthly is rm1218 x 240 =rm 292,320
amout u get is rm 804,101.25
yr profit is rm 511,781.25
% profit is 511,781.25 / 292,320 = 175%
TAPI jrg ada orang wat loan smpai 20 thn due to interest factor. bank pun skrg ni bg penalti period kalu settle awal. biasanya kena ikat 5 thn. jd kita bleh cancel loan every 5 thn untuk enjoy investment cost yg rendah,kalu ada.
loan atau simpan sendiri trpulang pd kemampuan diri sendiri.
[Reply]
rossa reply on July 22nd, 2009:
just to kongsi ilmu yg sedikit. kalu salah tolong btolkan.thks.
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#29 by fiffy on August 2, 2009 - 11:51 pm
saya nak tanya pendapat.. skrg umur saya 23thn..saya br stat keja n kiranya gaji br 1ribu lbh..saya cadang nak ambil loan asb.. sbb skrg kiranya nak beli rumah tp kelayakan xcukup lagi memandangkan harga rumah ni boleh tahan..so kalau ambil loan asb dalam tempoh 15 thn, skurang2 nya nnt bila selesai byr loan ni, bleh buat loan rumah..n mgkn hasil loan asb boleh buat deposit skit utk kurangkn tempoh pmbayaran n jumlahnya skali.. sbb tu nak tanya pndapat korang.. betulkah fikiran mcm ni.. saya sedang menimbang2 nie..
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#30 by fiffy on August 3, 2009 - 12:07 am
loan tsbt = 50,000 dgn pmbyrn blk 15thn x 12 x rm394) lau ikut pngiraan sdiri..mcm byk keuntungan..daripada bayaran balik.. bagi yg bpndapatan rendah cm saya ni la.. apa yang terbaik boleh saya lakukan..? help me please..thanx..
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#31 by Miz on September 2, 2009 - 9:00 am
can anybody advice me..how to calculate the profit if let say we already have some amount in the account..
say i would like to try 50k loan, 10 yrs payment..in my current acc, i have 20K and don’t plan to add(monthly) top up except to pay the monthly loan..any calculator for this case..?
thx..
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#32 by firdaus on September 30, 2009 - 12:39 am
sape nk wat loan asb x kua duit 1 sen pun, ym ak kt senseydaus@yahoo.com. yg duk s.alam je. sesape yg duk luar s.alam, kalau rajin dtg s.alam nnti ak tlg explain. tq (^_^)
p/s: sy kerja dgn bank. 1 lg, bumi je plz
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#33 by ayun on November 1, 2009 - 8:08 pm
sy wat asb loan 50k for 20years… monthly 316…
agk2 rugi ke ek…umo skang bru 20..
ai ntah la…
tlong la bg pndapat skit…
sometime pning gk pale nk calculate..
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#34 by arrazi on November 15, 2009 - 3:24 am
salam,
possible x klu sy wat loan 200k slme 25 thn,tp byr blk utk thn pertama je..utk thn2 berikutnye sy just pusing balik hasil dividen asb utk byr loan tu,,sbb sy tgh studi,n dana biasiswa sy pn ade lebih ckit, ble kuar keje nnt bru sye byr pkai monthly income sye..mybe dlm 4/5 thn lg kot..lps jadi MO,,hehe
anybody klu ad opinion,post r..thnx,,
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#35 by capt_sparrow on December 14, 2009 - 10:02 pm
Salamzzz…
Nak tanya skett..
Leh x kita wat monthly payment utk conventional investment tu
thru auto debit/potong gaji bulan2..?
Kalau boleh, camna caranya ye..?
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#36 by pakzul on December 24, 2009 - 3:20 am
memang boleh. nak senang, pinjam kat bank mana gaji kita masuk (tp tengok rate dulu la). maybank,cimb,rhb akan minta kita open akaun (kalu dh ada bagus), untuk buat payment auto debit.
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#37 by erma on January 6, 2010 - 12:34 pm
slm irwan..
ku nk tnya la skit..ku dh lama tahu psl loan asb ni..yg ku paham la..amik loan 30,000 for certain years..n byr certain amount each month kan..cukup tempoh kita akan dpt blk duit + the interest + the dividend kan? cuma ku nk tnya la..secure x bnda nie? kalu la ku nk simpan untuk at least lg 18 thn..utk anak2 belajar duit nih..rasa ok x? secure x investment nih?
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#38 by Julian Joe on February 9, 2010 - 1:51 pm
i am new about this ASB loan savings thingy,and i am very interested for it. I am a normal worker and by end of the month i only have less than RM200 from my salary. Recently i got a payment schedule of maybank payments for up to 25 years and it made me thinking…
what if i take a RM10k loan for 25 years with RM56 p/m!and put it in my ASB account.
- i will fully pay for 1st year RM56x12=RM672
- i’ll wait for ASB interest rate assuming 7%XRM10k=RM700
If i reloan when i can to close the first loan and take RM15k for 25 years at that time with RM83 p/m!and add it into my ASB account.And then i will have RM10700+RM15000=RM25700.
- i will fully pay for the 1st year RM83x12=RM996
- i’ll wait for ASB interest rate assuming 7%xRM25700=RM1799
and continue with increased loan till my ASB account have RM50k to finally stop….is it possible and is it worth it?just writing what my mind is thinking of…any advise is highly appreciated
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me reply on June 8th, 2010:
hi julian
i’m curious, did u go ahead with your plan? if you did, does the loan interest rate cause any problems to your calculation here? (because the interest is also calculated according to the period you’re using the loan and not merely based on your initial loan amount)
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Julian reply on June 11th, 2010:
It went great since ASB loan’s is a bit special than other banks. the 7% rate was the minimum rate and to get more than 7%, never touch the money in at least 1 year. That idea was my cousin’s idea at first and he managed to fill his account in 3 years from 2 banks ” MAYBANK & RHB bank “
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#39 by Ms Angel on February 12, 2010 - 4:56 pm
Hi,
Nak advise. Macam mana nak buat fullsettlement personal loan
Last year bulan 7 baru amik loan at bank rakyat dlm MYR18K. So bayaran melalui potongan gaji majikan. So skrg ada emergency nak gunakan wang lebih kurang dlm MYR10-20k jadi mcm mana nak buat? Any idea bank mana senang berurusan.
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#40 by nurin on February 21, 2010 - 10:48 am
i just received an offer to get this new scheme of ASB loan investment with RHB bank…….
im still searching the comparison benefit between Maybank and RHB offering……
for those expert on this , plz advice me…tanx
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skar reply on March 15th, 2010:
salam
if you have doubt about the asb loan,u can save ur money by using asb tanpa loan.u also can get the life protection(akhirat kematian)u can ask mee on that..
azwanyusak@gmail.com
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#41 by azman on February 25, 2010 - 2:00 am
salam
first of all.. ASB only for bumiputra.. and maximum you can take now is 200 k.. if u want to keep more… you need to leave the dividend in the account..
maybank offer 25 years.. monthly payment lesser.. so u save more than 4k per year.. rhb only offer 20 years.. you save 1 k plus per year…
you take maximum.. yearly you will get up to 16k.. if you pay for 8 years and don’t withdraw the dividend.. after 8th years.. take all your divident and pay the loan amount.. you are free from the loan and you get 200k in your pockets… same goes to any figure you take… u need to pay and leave the money for 8th years.. and after that you will get the whole amount in your hand..
make it simple.. don’t listen to people who don’t know and being stupid teaching other not to take.. remember… asb only for bumi… take it now as long as you are eligible.. and make the money now.. the interes very low… and don’t surrender for 3 years.. after that no penalty.. you will have much more than you think
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me reply on June 8th, 2010:
salam azman
i’m trying to understand your calculation. for example, if i take a 200k loan, how much do you estimate the monthly loan payment would be for the first 8 years?
and, if i take a loan of 200k and put it into ASB, after 8 years, the total dividend (without touching any money from the ASB) would only be 170k (assuming it’s 8% per annum and compounded every year). so why did you say i can pay back the full 200k using 170k? as i said, i’m trying to understand your calculation. thank you.
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me reply on June 8th, 2010:
wait.. i think the answer for my second question depends on the answer for my first question. maybe you meant the balance of 30k would have already been paid during the first 8 years, that’s why i would only need 170k after the 8th year.
ok then, i hope you can answer my first question. thank you.
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#42 by Eduardo Torrado on April 26, 2010 - 4:04 pm
Good business helping people to invest unaware that issuer gets most investing nothing and still get a quantum financing using both paper contract to raise a capital. very deceiving and still shares nothing but dividend? not ownership of the stock.
clear the pictures to your investors and share the blessings square and fair.
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#43 by mansuna laguna on May 3, 2010 - 1:17 am
jgn lupa kaedah OD rempit …huhu yeah
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#44 by moro on May 8, 2010 - 4:21 pm
Dear all (irwan & readers)
i also use loan to maximize my ASB.
for my case,
i already have 45k in ASB, 1st OD will be 90% = 40.5k ,
after that i take 2 personal loan (PL) worth 40k plus 25k from OD & put into ASB
and apply 2nd OD (ASB cert 65k, OD= 58.5k)
All PL monthly payment paid with OD
3rd OD – ASB cert 70k (60k from 2nd OD + 10k from bonus)=63k
4th OD – ASB cert 35k (all from 3rd OD)=31.5k
total ASB cert = 215k + cash 800 = 215.8k max i can put in ASB (i check at PNB counter)
All this done less than 1 year
i also have unit trust worth 40k taken from OD & sallary.
i plan to withdraw excess money from OD (around 50k) & put in ASW and the OD cycle start again.
ASW have no limit of saving and most important can do OD.
Am i doing the right thing?
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#45 by hajar on May 18, 2010 - 7:04 pm
am an optometry student in a pvt uni at KL..in year 2 now
works as a part timer during night..7e nearby home..
monthly income ive get:..rm800+rm700(study loan from mara)
..am planning for managing my own optometry store in 10yrs to come,will b 31yrs old at tht tyme..
so, for a start..should i get ur advise personally..?
of how much should i take the asb loan w/ maybank ?..
and i prefer to repay for 5years only…
plz help…
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me reply on June 8th, 2010:
hajar
i’m just passing by this blog and saw your comment. i think it’s better that u don’t rely on the asb loan arrangement for your goals. untuk personal savings, yes of course u simpanlah seberapa byk u boleh ke dalam asb setiap bulan. untuk business u nanti, there are other loans for serious entrepreneurs. i’m saying this as someone who has also worked hard when i was in uni dulu2, and i saved up money without using loans. i also set up a business using other sources instead of using my personal money.
my friends who used loans were unable to get out of the cycle – until today.
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#46 by mei on June 6, 2010 - 4:11 pm
sy nak tny nak melabur kat ASB kne amik loan ke? kalo xnak loan tu xbole ke?
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#47 by bukan mei on June 8, 2010 - 6:21 am
mei, mujurlah ini bukan blog saya. kalau blog saya, sememangnya soalan-soalan yang ditanya tanpa usul periksa ni akan kena kutuk. umpama, kalau nak buka akaun simpanan dgn bank, kena ambik loan ke?
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#48 by Fitri on June 16, 2010 - 3:02 pm
One Example from Me. My own Case.
Loan: RM 35,000.000
Monthly: RM 265.000
Start: 2004
Base on 7% dividend, I’ve got RM 2,450.00 Per Year in my ASB. Which I withdraw each year for car insurance and land premium. The money was gone every year.
Total I pay RM 3,180.00 Per Year which after offset from dividend, I only actually paid RM 730.00 Per Year.
Base on my assumption (Need opinion on this), for the 20 years, after I paid RM 14,600.00, I will have RM 35,000.00 in my ASB.
Total extra RM 20,400.00 is counted up as 6.9% dividend thru the 20 years.
Is my assumption correct?
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#49 by cd_melaka on June 22, 2010 - 7:21 pm
salam sumer…
Bg sy plak, senang jer… tahun pertama kena dok byr loan maybank full for 12 mth. tahun kedua, dpt dividen ASB terus byr Maybank. so, yg kluar dr duit kita tuk thn kedua cuma utk 2 atau 3 bln je… nih tuk 10thn loan. nk best lg… rm10k loan 2 thn je… abis 2 thn buat lg.. loan 10k mula2 dh kurangkn beban kita doh… pastu seterus nye laa… every 2yrs buat loan. abis byr, ada cash ASB, dividen tolong je… u all kira la sampai thn ke berapa leh menjana pendapatan…
tu idea sy. skrg tgh di praktik kn. klu ada x betul, komen je laa… take positif. wassalam..
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#50 by Khairilaswan on August 25, 2010 - 6:42 am
Salam semua,
Saya wakil dari Easy RHB
Nikmati perolehan dividen secara MAKSIMUM dengan membuat Pinjaman Pelaburan ASB dengan EASY RHB..
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Sila ke blog saya http://easybyrhb.blogspot.com atau hubungi 010-9684021 (Joe) untuk penerangan lanjut mengenai EASY RHB LOAN
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