the ugly duckling story

aku ade confusion kt kepala otak aku ni...nak simpan duet gaji carum tiap2 bulan masuk asb ke or buat asb loan?? asb loan tu aku baru je nk familiar...actually da tolak gaji masuk asb..cume ade org kate kalo join asb loan lagi untung...memang la lmbat kaya tu...tp biar lmbat asal selamat...tak berani aku nk join mlm pelik pelik ni...so care paling senang is to saving la kan...ni satu satu usaha untuk elakkan aku beshopping bejoli...i am going to do this yawww!~

kawan kawan yg da bekeje...kalo korang tau pasal ni sila share maklumat yg korang tau...aku ni tak pegi bank lagi tanye psl ni..ingt kn nak wat gak loan ni..tapi still musykil..so here are some info on asb loan yg aku cilok kt intenet..kalo korang musykil gak rajin rajin la pegi bank n tanye je org kt situ:

Eligibility

• Individuals who are between the ages of 18 and 60 years old
• Bumiputera

Loan Amount

• Min loan amount : RM10,000
• Max loan amount : Up to RM400,000 per borrower, at any one time including the balance outstanding of the existing ASB loans (if any), or up to the maximum investment amount allowed by ASNB, whichever lower

Margin of Advance

For loan amount up to RM200,000

• Up to 100% of nominal value of ASB units
• Up to 105%, inclusive of the GASBRTT

For loan amount above RM200,000, at any one time

• Up to 95% of nominal value of ASB units
• Up to 100%, inclusive of the GASBRTT

Loan Tenure

• Up to 25 years OR
• Up to age 60, whichever is earlier

Eligibility

• Individuals who are between the ages of 18 and 60 years old
• Bumiputera

Loan Amount

• Min loan amount : RM10,000
• Max loan amount : Up to RM400,000 per borrower, at any one time including the balance outstanding of the existing ASB loans (if any), or up to the maximum investment amount allowed by ASNB, whichever lower

Margin of Advance

For loan amount up to RM200,000

• Up to 100% of nominal value of ASB units
• Up to 105%, inclusive of the GASBRTT

For loan amount above RM200,000, at any one time

• Up to 95% of nominal value of ASB units
• Up to 100%, inclusive of the GASBRTT

Loan Tenure

• Up to 25 years OR
• Up to age 60, whichever is earlier

Loan ASB

• Loan ini ditawarkan di 3 bank agen PNB bagi mendapat sejumlah Sijil ASB dgn bayaran bulanan tertentu
• Sijil ASB dipegang oleh bank dan dividen akan dikira berdasarkan amount sijil ASB tersebut
• Peminjam boleh mengeluarkan duit yg diterima sebagai dividen, tetapi tidak bagi sijil
• Sijil ASB dari loan ASB ini tak boleh dicagarkan utk OD (sebab dipegang oleh bank yg bagi loan tu). Tetapi dividen tahunan yg diterima boleh dijadikan sijil utk dicagarkan sebagai OD
• Jenis interest : Monthly rest…sama mcm housing term loan

OD-ASB

• Cash dlm ASB dijadikan sijil, kemudian dicagarkan kepada bank (agen PNB) utk mendapat OD facility
• Sijil yg dicagarkan akan dipegang oleh bank selagi anda menggunakan OD faciliy
• Size OD adalah 90%-95% dari jumlah sijil ASB
• Account OD adalah Current Account dan pengeluaran duit boleh dibuat bile2 masa (atm, online, buku cek)
• Tiada pembayaran perlu dibuat setiap bln kerana bayaran utk interest akan ditolak secara automatik dari balance dlm account OD (ni kalau case tak pakai habis la)
• Jenis interest : Daily rest…interest dikira berdasarkan amount yg digunakan shj

Rasa mcm dh cukup…kalau ade lagi korang tambah la