ASB Loan By RHB

Overview

At RHB Bank, we offer you ASB Financing to finance the purchase of your ASB units. Enjoy high margin financing, low interest rates, flexible loan tenures and optional insurance coverage, financed by us.

For further information, do give us a call at 03 - 9206 8118 or visit our nearest branches.

Product Features :

INTEREST RATES	Term Loan (TL) RM10,000 to RM49,999 without GRTA BLR – 1.25% RM10,000 to RM49,999 with GRTA BLR – 1.40% RM50,000 & above without GRTA BLR – 1.40% RM50,000 & above with GRTA BLR – 1.55% ASB Interest Only Package (ASB5) BLR – 1.00% Overdraft (OD) against ASB / ASW BLR - 1.00%
LOAN TENURE	1 year to 20 years or 60 years old whichever is earlier
LOAN AMOUNT	Min. RM10,000 Max. Up to individual's ASB investment limit
MARGIN OF ADVANCE (MOA) TL FOR ADDITIONAL / NEW ASB INVESTMENT	Up to 100% + 5% (GRTA)
TL AND OD FOR PERSONAL CONSUMPTION ON UNENCUMBERED ASB CERTIFICATE	95% of ASB certificate
INSURANCE	Optional, financed by Bank
MODE OF REPAYMENT	Standing Instruction (SI)
CUSTODIAN FEE	Term Loan (TL) RM100 Term Loan (TL)/ Overdraft (OD) against unencumbered ASB certificate RM150 per certificate
DOCUMENTS REQUIRED	Photocopy of identity card Photocopy of ASB passbook 1 month pay slip/other proof of income e.g. bank account statement
EXIT FEE	1st 2 years 3% of approved loan amount 3rd to 5th year 1% of approved loan amount if settled by liquidation of certificates. However, NO exit fee if settled by own funds from 3rd year to 5th year.

PELABURAN ASB ATAU SKIM AMANAH SAHAM BUMIPUTERA

MAKLUMAT TABUNG

Nama Tabung	SKIM AMANAH SAHAM BUMIPUTERA (ASB)
Jenis	Pendapatan
Kategori	Ekuiti
Tarikh Pelancaran	2 Januari 1990
Objektif	Untuk menjana pulangan jangka panjang yang kompetitif dan konsisten kepada pemegang-pemegang unit di samping memastikan pengekalan modal pada tahap toleransi risiko yang minimum.
Pelabur Sasaran	Pelabur yang memahami risiko dan pulangan pelaburan serta menjangkakan manfaat dari pertumbuhan jangka panjang tabung hasil pelaburan semula pengagihan pendapatan (sekiranya ada) dan penerimaan pendapatan (sekiranya ada) ke atas pelaburan mereka.
Kelayakan	Bumiputera Malaysia. Akaun Dewasa (18 tahun ke atas) Akaun Remaja ( ibu bapa atau penjaga sah berumur tidak kurang 18 tahun yang melabur bagi pihak remaja berumur 12 tahun hingga 18 tahun ke bawah).
Pengurus Pelaburan	Permodalan Nasional Berhad (PNB)

MAKLUMAT URUSNIAGA

Harga Seunit	RM 1.00
Bentuk Pelaburan	Buku Pelaburan Sijil
Pelaburan Permulaan Minimum	Buku Pelaburan - 10 unit
Pelaburan Tambahan Minimum	Buku Pelaburan - 1 unit Sijil - Gandaan 1,000 unit
Pelaburan Maksimum	Akaun Dewasa - 200,000 unit Akaun Remaja - 10,000 unit
Saiz Tabung	Tiada had.
Caj Jualan	Tiada
Caj Jualan Balik	Tiada
Pembayaran Jualan Balik	Serta-merta
Tempoh Bertenang	Tiada
Tahun Kewangan Berakhir	31 Disember

PRESTASI TABUNG

Tahun Berakhir 31 Disember	2007	2008	2009
Kadar Pengagihan Pendapatan Seunit (sen)	8.00	7.00	7.30
Bonus Seunit (sen)	1.00	1.75	1.25

Sumber: Petikan dari laporan tahunan Skim Amanah Saham Bumiputera yang telah diaudit oleh juruaudit luaran yang bertauliah.

Easy-ASB: ASB Loan by RHB

Easy-ASB - ASB Financing

Invest for your future the easy way. Enjoy low monthly installments for the 1st five years when you invest in Amanah Saham Bumiputera (ASB) units. No upfront payment needed. To apply just flash your MyKad.

Unique features:

• No documentations required
• On-the-spot approval and disbursement in less than 10 minutes
• Interest only repayment for first 5 years
• Low initial monthly installment amounts from less than RM65 per month
• Full principal and interest repayment for the subsequent 5 to 20 years
• Attractive annual dividends and return on your investments

Benefits:

• Get the Easy Visa Debit Card with the approved loan
• Convenient monthly repayment through standing instruction
• Earn 1 lucky draw entry with approved loan

*Terms & Conditions apply

Product Features

Interest Rate	Term Loan: BLR - 1.0%p.a (5.3% at current BLR 6.3%)
Loan Tenure	Minimum 10 years (including first 5 years of interest servicing) Maximum 25 years (including first 5 years of interest servicing)
Loan Amount	Minimum RM10,000 Maximum RM 100,000
Margin of Advance	100%
Mode of Repayment	Standing Instruction
Custodian Fee	RM200
Exit Fee	3% of approved loan amount if settled within the first 3 years

Easy-ASB Repayment Schedule

Loan Amount (RM)	Interest only repayment for first 5 years (RM)	Monthly repayment amount for subsequent years (RM)
		5 Years	10 Years	15 Years	20 Years
10,000	45.01	190.59	108.04	81.15	68.16
20,000	90.03	380.68	215.58	161.80	135.83
30,000	135.04	570.77	323.11	242.45	203.49
40,000	180.05	760.86	430.65	323.10	271.16
50,000	225.07	950.95	538.19	403.75	338.82
60,000	270.08	1,141.04	645.73	484.41	406.48
70,000	315.10	1,331.13	753.27	565.06	474.15
80,000	360.11	1,521.22	860.80	645.71	541.81
90,000	405.12	1,711.31	968.34	726.36	609.48
100,000	450.14	1,901.40	1,075.88	807.01	677.14

• Repayment table above does not include Group Reducing Term Assurance (GRTA)
• For more information on how to protect your investment through GRTA, kindly contact us.