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ASB Financing

 

Maximise your future savings with ASB Financing! ASB units can be yours with high margin of financing, low financing rates and flexible financing tenures.

Eligibility & Benefits


You can start growing your wealth now and achieve your financial goals faster with financing amounts starting
from as low as RM20,000 (maximum RM200,000).
Malaysian Bumiputera

Malaysian Bumiputera

18 years old and above AND no
more than 60 years old at the
time of application.

Affordable Repayment

Affordable Repayment

Starting from as low as RM102.00*
per month.

*Note : As per prevailing rates
Easy Approval & Disbursement

Easy Approval & Disbursement

Hassle-free application and disbursement of loan to your account.

Flexible Loan Tenure

Flexible Loan Tenure

Loan tenure up to 40 years or
up to age 70.

Low Financing Rate

Low Financing Rate

Enjoy low rate starting from as low as 4.75%
Convenient Repayment Method

Convenient Repayment Method

You can choose self-repayment or auto debit instruction.

ASB Financial Calculator

Easily determine your estimated monthly payment amount with our financial calculator.
Loan amount (RM)
ASB Interest Rate (%)
Loan Tenure (Months)
Monthly Instalment
RM 36,079
Reset
Monthly Instalment
RM721.32
Reset
Note: The above repayment schedule is only for illustration purposes. The payment amount and interest charges applicable to the loan facilities are deemed accurate on the assumption that the interest rates remain unchanged. The repayment amount illustrated is based on the interest rates that take effect at the time the Letter of Offer is executed. The actual repayment may be different than the amount shown in the schedule in the event the interest rate changes during the tenure of the loan facility.

Comparison Between ASB Financing vs
ASB Cash Investment


Do you know you can optimise your investment allocation in ASB Financing in comparison
with ASB Cash investment?
Investment Method
ASB Cash Investment (RM)
ASB Financing (RM)
Monthly Investment 102.00 102.00
Annual Investment Amount 1,224.00 20,000.00
Annual Dividend
(proposed assumption rate 5.25%)
64.26 1,050.00
Calculation on monthly investment for ASB Financing is based on ASB Financing amount of RM 20,000 for 40 years tenure.
Estimation of Annual Dividend based on the ASB’s dividend FYE 2023.
Other Features You Want To Know
Investment Method ASB FINANCING
Loan RATES

Single Tier Rate for New To Bank Customer and Existing To Bank Customer Inclusive GRTA
  • Minimum RM20,000 to RM39,000:SBR + 2.35 i.e. 5.35%
  • RM40,000 to RM79,000: SBR + 2.25% i.e. 5.25%
  • RM80,000 to RM200,000: SBR + 1.75% i.e. 4.75%
Single Tier Rate for New To Bank Customer and Existing To Bank Customer Without GRTA
  • Minimum RM20,000 to RM39,000:SBR + 2.40 i.e. 5.40%
  • RM40,000 to RM79,000: SBR + 2.30% i.e. 5.30%
  • RM80,000 to RM200,000: SBR + 1.80% i.e. 4.80%
Loan TENURE
Joy@Work, ASB-Ku, RHB AM, Anti-Attrition, & MOHE Packages inclusive of GRTA
Minimum: 5 years
Maximum: 40 years or up to age 70; whichever is earlier, subject to entry age of 60 years old

 

Overdraft (OD)
Yearly review and payable on demand
Loan AMOUNT
Term Financing
Minimum: RM 20,000
Maximum: RM 200,000 or up to maximum investment limit determined by ASNB/PNB
INSURANCE
GRTA (Optional)
MODE OF REPAYMENT
Standing Instruction/Self Service Terminals/Internet Banking
DOCUMENTS REQUIRED
  • Photocopy of identity card
Income Documentation by Employment Type Salaried Earners
  • Latest three (3) months salary slip;OR
  • Latest three (3) months crediting bank statement;OR
  • Latest interim EPF statement(Minimum 6 months contribution)
  • Letter of certification of employment or letter of confirmation from employer stating salary/allowances is mandatory if service of employment is less than six (6) months
Self-Employed / Own or Partnership Professional Practices
  • Business Registration (Form A / B for Sole Proprietorship / Partnership); Business License (Form D), Current & Valid professional practice certificate issued by relevant competent body (for Professional Practices);OR
    Trading License (for East Malaysia);OR
    Local Council License;OR
    Borang 24 and Borang 49 (for Sdn Bhd);AND
  • Latest six (6) months Personal or Company’s Bank Statement;OR
    Latest Borang B / BE (validated payment receipt of payment to LHDN)
Commission Earners
  • Latest six (6) months salary slips/commission statements;AND
  • Latest six (6) months crediting bank statements;OR
    Latest Borang BE (validated payment receipt of payment to LHDN);

Product Disclosure Sheet - ASB Financing

Product Disclosure Sheet - Overdraft

ASB Conventional
ASB STP

The Master Prospectus of ASNB dated 1 February 2020, the First Supplementary Master Prospectus dated 20 October 2021, the Second Supplementary Master Prospectus dated 1 April 2023, the Third Supplementary Master Prospectus dated 1 December 2023, the Prospectus of ASN Imbang (Mixed Asset Balanced) 3 Global dated 16 September 2020, the First Supplementary Prospectus of ASN Imbang (Mixed Asset Balanced) 3 Global dated 20 October 2021, the Second Supplementary Prospectus of ASN Imbang (Mixed Asset Balanced) 3 Global dated 1 April 2023, the Third Supplementary Prospectus of ASN Imbang (Mixed Asset Balanced) 3 Global dated 1 December 2023, the Prospectus of ASN Equity Global dated 1 September 2021, the First Supplementary Prospectus of ASN Equity Global dated 1 April 2023, the Second Supplementary Prospectus of ASN Equity Global dated 1 December 2023, the Prospectus of ASN Sukuk dated 25 November 2022 and the First Supplementary Prospectus of ASN Sukuk dated 1 April 2023 (“Prospectuses”), have been registered with the Securities Commission Malaysia (“SC”). Please read and understand the content of the Prospectuses together with the Product Highlights Sheets which are available at the ASNB website (www.asnb.com.my) branches and agents. The unit will be issued upon receipt of the registration form referred to and accompanying the Prospectuses. Before investing, please consider the risk of investing as well as the fees and charges involved. Unit prices and distribution payable, if any, may go down as well as up. The past performance of a fund should not be taken as indicative of its future performance.

If you have any queries on ASNB Funds, feel free to contact any of our RHB Branches or our Customer Care at +603-9206 8118.

This advertisement has not been reviewed by the Securities Commission.
There are risks associated with loan financing. Please read and understand the loan financing risk disclosure (RDS) prior to investing via loan financing.
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