Take loan to invest in ASB…is it really smart investment. Let’s calculate, then we talk…
Based on payment schedule that I got from Maybank’s latest promotion, and by using my Comparison Calculator, I can summary as below.
From table above,
-Light green color is higher return that another one.
-Regardless of your loan amount, you will get less return for 10 years loan period compare to if you do monthly saving of the same amount that you pay monthly for your loan in ASB. In other word, if you interested to make loan to invest, apply for maximum period.
So the conclussion, take loan to invest seems is a smart investment, but depends on how smart you are (based on your choice).
For me, im still not interested to take loan to invest even it is the easiest way to deposit your money monthly into ASB (actually to loan account). If you use my Comparison Calculator, you will see how much you need to pay to bank for interest. Why do I need to pay to bank for free if I could go to bank once per month to deposit my money to ASB.
Plus, promotion for loan ASB is become more competitive and banks keep reducing their interest rate to compete each other…so I prefer to wait and see.
If you find any error with my Comparison Calculator, pls let me know.
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Just nak tanya klw sesapa ada idea/tahu ttg tarikh/tempoh pengiraan baki minimum untuk pengiraan dividen asb…
Adakah ia dikira bermula 1hb hingga 30/31hb??? ataupun ada tarikh/tempoh lain??
datang kelas baru tahu pengiraannya..
daripada info org bank, sekrg kira on 1hb every months..
ok dulu 5 tahun lepas saya ambik loan asb melalui cimb bank.
pengalaman saya adalah:
loan ini sesuai sangat kalau kita tak berdisiplin simpan duit dalam bank. so kat sini saya apply konsep pay myself first.
untung ker tak buat loan ni… untung berbaloi baloi.
saya berpendapat kaedah loan lebih menguntungkan daripada menyimpan kerana ia di lindungi oleh insuran dan oleh itu ianya terjamin utk masadepan org tersayang.maksimum simpanan ASB adalah rm200K shj.pengiraan dividen di atas elok ada had sampai situ shj.
setiap oran harus melabur dalam ASB dan mempunyai target sehingga RM200K.dari mula kerja lagi bagus….atau kalau mau beli kereta melabur dalam ASB dulu,duit dividen buat bayar ansuran setahun sekali.lepas 10 tahun,market value kereta rendah tapi duit ASB dah bertambah,fikir-fikirkanlah.
bos khairul.skrg ni dh smpai 25 thn lh loan ASB ni.aku n wife pn dh amik gak.thn ni br cukup setahun.xtaulh mcm mana lg.ok kot,kalu x abis duit,wife aku shopping.kiranya dia tgk slip gaji ckit,xbrape nk shopping sgt.hahahaha…
ASB loan by Maybank Islamic mmg the best.
25 years
Lowest Interest
lowest instalment
Easy Approval
only 2 years lock in Period
dapat free gift
boleh tgk tiap2 hari kat maybank2u
paling penting – Islamic Loan =)
(p/s: saya bukan pekerja Maybank.hehe)