Bandingkan Pinjaman ASB di Malaysia 2019

1. All eligible ASB investors under ASNB guidelines who are between the ages of 18 and 65 years old.


2. Individual with income documentation only.


3. Mode of repayment is Standing Instruction


4. 2 years lock-in period.


5. Margin of Finance can up to 100% or up to 100% + 5% (if with GRTA/CLTA premium financing)


6. Insurance is optional, but must be financed by bank if taking insurance.


7. This rates is effective from 1st January 2019 to 30th June 2019

1. Endorsement Fee:
   
   
   
   • ASB Term Loan: RM53 per certificate
   
   
   • OD against ASB: RM106 per certificate
   
   
   
   


2. Stamp Duty: RM10 for Letter of Offer


3. Commitment Fee: 1% on the unutilized portion of the overdraft facility for amount above RM250,000


4. Exit Fee: For full repayment of the outstanding ASB Financing made within the first 2 years from the date of loan disbursement, an exit fee as penalty/compensation to the bank based on the difference between the ASB Board Rate and the Promotion / Special rate is chargeable.

1. For Government and Private Employee (Salary Deduction For All Income Range)


2. Eligibility
   
   
   
   • All qualified ASB investors under the ASNB guidelines.
   
   
   • Aged 18 to 65 years old at the end of the loan tenure 
     
   
   
   
   


3. MoF up to 100% + 5% (including Stamp Duty, Collateral cost, Insurance and will fee).


4. Loan amount will be in multiples of RM1000 and subject to the limit.

1. Stamp Duty: As per the Stamp Duty Act 1949 (Revised 1989)


2. ASNB Certificate Fee: RM50 per certificate


3. Insurance (Optional)


4. Will Fee (If any): RM371


5. Late Payment Charge: Monthly installments in Arrears × 1% × Number of Days Overdue / 365

1. Government and Private Employee (More Than >RM3,000 Monthly Income)


2. Eligibility
   
   
   
   • All qualified ASB investors under the ASNB guidelines.
   
   
   • Aged 18 to 65 years old at the end of the loan tenure.
   
   
   • Permanent Employee or Self-employed.
   
   
   
   


3. Fixed income earner (Government’s & Private’s employees) or Self-employed.


4. MoF can upto 100% + 5% (including Stamp Duty, Collateral cost, Insurance and will fee).


5. Loan amount will be in multiple of RM1000 and subject to the limit.

1. Stamp Duty


2. ASNB Certificate Fee: RM50 per certificate


3. Insurance (Optional)


4. Will Fee (If any): RM371


5. Late Payment Charge: Monthly installments in Arrears × 1% × Number of Days Overdue / 365

ASB/ASB2 income distribution and bonus earned automatically credited into the respective ASB/ASB2 unit holder's account

• ASNB certificate Fee: RM50.00


• Redemption Statement: RM50.00 per request


• Security Document Retrieval: RM30.00 per request


• Additional Loan Statement: RM10.00 per request

1. All eligible ASB investors under ASNB guidelines.


2. Individual with income documentation only.


3. Student is not eligible to apply except working students with fixed income.


4. Customer can know their ASB loan application status in 10mins.


5. This rates will be effective from 1st January 2019 to 30th June 2019

• Stamp Duty: RM10 per Letter of Offer


• Custodian Fee: RM150


• Endorsement Fee: RM50


• Late Payment Fee: 1% per annum

• Student is not eligible to apply


• Insurance is compulsory (5% will be added as premium)

• Documentation Fee: RM50.00


• RM10.00 will be charged upon disbursement of the financing


• Nominal stamp duty

1. Guarantor is not needed


2. Takaful coverage is not necessary

1. Stamp Duty: RM10 as per Stamp Act 1949 (revised 1989)


2. Lien Fee on ASB or ASB2 certificate payable to ASNB: RM50 per certificate


3. Late Payment Fee: 1% per annum

1. Guarantor is not needed


2. Insurance coverage is not necessary

1. Stamp Duty: RM10 as per Stamp Act 1949 (revised 1989)


2. Lien Fee on ASB or ASB2 certificate payable to ASNB: RM50 per certificate


3. Late Payment Fee: 1% per annum

1. All eligible ASB investors under ASNB guidelines who are between the ages of 18 and 60 years old.


2. Individual with income documentation only.


3. Student is not eligible to apply except working students with fixed income.


4. Insurance is compulsory. Additional 5% will be added as premium.


5.  Additional 5% for 100% MoF is including insurance.


6. Maximum loan amount is up to RM200,000 per borrower, at any one time (including existing ASB Loan, if any) or up to the maximum amount allowed by ASNB, whichever lower

1. Stamp Duty:
   
   
   
   • Letter of Offer: RM10
   
   
   • Variable Standing Instruction: RM10
   
   
   
   


2. ASNB Certificate Fee: RM50 per certificate

1. The financing is based on the Bai’ ‘Inah which is the sale-based Shariah contract as approved by Shariah Advisory Council (SAC) of Bank Negara Malaysia (BNM).


2. All eligible ASB investors under ASNB guidelines who are between the ages of 18 and 60 years old.


3. Individual with income documentation only.


4. Student is not eligible to apply except working students with fixed income.


5. Insurance is compulsory. Additional 5% will be added as premium.


6.  Additional 5% for 100% MoF is including insurance.


7. Maximum loan amount is up to RM200,000 per borrower, at any one time (including existing ASB Loan, if any) or up to the maximum amount allowed by ASNB, whichever lower.

1. Stamp Duties: as per Stamp Act 1949 (revised 1989)


2. Variable Standing Instruction: RM10.00 (for stamp duty)


3. ASNB Certificate Fee: RM53.00 per certificate (inclusive of 6% GST)