Explaining the ASB Loan Plus OD Method

As I have promised, here is the explanation of the ASB loan with OD facility. You can download the Bahasa Malaysia Version in my earlier post. This is not a step-by-step guide as I haven’t try the method myself. Instead, I will try to explain the concept behind this method.

First of all, you basically need 3 stuffs to make this method working.

  • A significant amount of ASB saving (this can be either from your saving or loan)
  • An overdraft facility against the ASB account above.
  • Credit Card

1. When you have these 3 items, the first thing that must do is to pay all outstanding balance in your credit card (CC) account.

This step is to avoid paying expensive 18% charges by CC providers. Instead, you only have to pay (7%) OD fees.

2. When you receive your first paycheck for the month, put 70% of your paycheck to OD account, and 30% to your ASB account

You want to do this because you can save OD fees by reducing the balance as soon as possible. Remember that OD fee is charged daily. Meaning, the balance in OD is charge 0.0191% (7% divide by 365) daily. The 30% investment is to grow your ASB account as you get more benefits investing in ASB than saving OD fees.

3. Use your CC for the bills and other expenses that are payable by CC. Don’t spend more than you usually do. If not, you won’t be able to improve your financial state.

Why use CC? CC enables you to use money free (for 50 days) without paying any fee if you can clear the balance before Due Date. If you instead use your OD account, you’ll be charge 0.0191% daily. So from alternative point of view, you are actually saving 0.0191% daily.

4. Pay your CC balance only at the Due Date for the current month (which is usually next month). Use the money from OD to clear all your balance. If you spend less that you should with your CC, make a cash advance from your CC (I could only advice doing so when there aren’t much fee to do cash advance)

The reason to pay at the due date is to maximize saving by delaying the use of money from OD account. For the cash advance part, please do not do this if you are charged expensive fee to make cash advance.

5. For the expenses that need cash, withdraw it from your OD account.

Please minimize the usage of OD this way.

6. Repeat the process for the next month.

As pointed out by one of the comments in my first post, this method is highly effective if you have substancial amount of credit card outstanding balance. This is because you can avoid 18% charges by moving the balance to your OD account. I’m not sure how much saving you could get if you are debt-free as what you could save is only the 0.0191% daily OD fees for maximum of 50 days.

OD method is not that easy to follow as you need to micromanage your money by remembering the important dates, paying your CC at due date and so on. I could only advice this method if you have CC debt. Other than that, it’s not worth the trouble and the risk.

If you have any comment or opinion or want to correct me, please use the comment section below.

  1. #1 by eisya on August 9, 2007 - 12:20 pm

    ok…got the idea.

    Does it only works if you have CC debt? How about if you have personal loan outstanding? Sesuai ke kalau kita buat another personal loan, apply OD with ASB Cert, then pay off the CC. Monthly installment guna OD account? Kalau every month memang cash flow sentiasa negative macam mana? lama kelamaan OD akan habis digunakan. Brapa lama ambil masa untuk payoff the personal loan?

    Please explain to me. Kita guna example ye.

  2. #2 by Irwan on August 9, 2007 - 2:17 pm

    The objective of OD method is to reduce expensive interest of CC and replace it with cheaper OD interest. It’s not about how to spend more than than we earn.

    back to the questions, blh je klo buat another personal loan(klo blh la). as long as you don’t use the personal loan for any other purpose except ASB.

    Yeap, monthly installment gune OD, tp bile gaji masuk kite kurangkan balik penggunaan OD. So xde la dia abis cepat sgt.

    bab personal loan tu x sure sebab dia depends on lenders.

  3. #3 by eisya on August 13, 2007 - 3:41 pm

    ok…thank you for your explanation.

    Let say ada outstanding PL 10k @ 5.6% (masa apply dulu; 4 yr to serve) and CC 5k. Pastu nak guna duit dalam 4K untuk bayar duit kawan2. KAtalah dapat PL 30k @5.75 10 yrs.

    Mana option paling baik.
    1. Dapat loan, bayar PL 10k dulu, then masuk dalam
    ASB,apply OD 20K, pay CC 5K n use 4K from OD
    2. Dapat loan, bayar PL 10k, use 4K. Balance 16K masuk
    ASB,apply OD. Bayar CC 5K guna OD.
    3. Dapat loan, masuk terus dalam ASB 30K, then baru keluar
    duit dari OD bayar PL 10K, CC 5k and use 4K.

    MAna satu yek nak pilih. Try guna excel, tapi still tak tau nak decide.

  4. #4 by Irwan on August 13, 2007 - 4:30 pm

    alamak susahnye soklan cik eisya… kene grad jd financial advisor baru blh jawab kot.haha

    nak tanye dulu. ikutkan soklan outstanding PL tu still kene bayar bulan2(ikut scheduled) or dah terlepas bayar bulan2? I’ll answer with former assumption ye.

    Kalau ikutkan, jgn abiskan PL 10K dgn cepat. Sebab cik eisya dpt gune duit tu dgn murah (5.7%). just teruskan bayaran cam biase. duit yg cik eisya ade tu gune utk lain2 tp ikut priority berikut:

    1. settle CC (to avoid 18% fee)
    2. further investment ASB (to gain 7.5 %)
    3. reduce OD (avoid 6.9% fee)

    step 2 ngan 3 tu blh campur sebab x byk beze dan saling sangkut paut. klo invest dalam ASB, sure kene gune OD utk kegunaan lain. Klo gune OD plak, blh kekalkan or tambah investment dalam ASB. tp klo nak maximize, masuk semua dalam ASB.

  5. #5 by sma on August 13, 2007 - 5:27 pm

    Dear Irwan,

    Akak baru tau calculation daily rest..cenggitu rupenya..hahah..okeh..let’s say, i got this AIA homeloan which offers 5.99% fixed date daily rest, the calculation should be..:-

    1) 0.0599 / 365 X 170 000 (loan amount) = 27.89 (which is charged daily, kan? So maknenya, kalu sebulan = 30 hari, interest that i should pay for that particular mth = 27.89 x 30 = 836.70/mth

    2) kalu monthly rest plak..0.0599 / 12 X 170 000 = 848.58/mth

    betui tak dik irwan? then, I can reduce the interest by pay the installment sekerap mungkin..if possible daily..betui dak?..

    hmm..syok jugak exploring memende around us yg actually all the while we just leave it like that..( hmm..it is applicable only for me..donno others..;-).).thanks Irwan for this informative blog..

  6. #6 by sma on August 13, 2007 - 6:03 pm

    alamak dik..akak sebenanye dh tekeluar tajuk arr…

  7. #7 by Irwan on August 13, 2007 - 6:14 pm

    Dear kak su, (hehe pandai2 je panggil org kak su)

    pengiraan kak su tu tepat skali. kelebihan daily rest ni dia blh reducekan interest fee klo kite cepat bayar. contohnye, klo tetibe blanje ari ni terlebih RM10, terus gune utk extra payment. so blh save interest utk additional RM10 tu. (contoh saje)

    tp daily rest gak blh tambah interest klo terlewat bayar.

  8. #8 by afahmi on September 25, 2007 - 12:08 am

    i brje jumpa thread nogold tu bulan lepas(aug)..the thread is 300 pages..and it took me 4 weeks just to reach 110 pages n understand the concepts

    i dah buat simulation by using excel…and it seems proven..i buat simulation tu dgn objektif..nak tgk baper tahun i perlu ia amik utk ada 100K dalam ASB..well the anwser is 6 years or less depending on your startup amount..the assumption case for the simulation are as below :

    1) salary rm3000 fix for 6 years and i have cash 10K only in ASB
    2) OD interest 7% for 6 yrs
    3) ASB interest 7% for 6 yrs
    4) ada hutang kredit kad 8K in the 1st year
    5) FIX rm300 for enjoy purposes for 6 yrs
    6) no CC use for 6 yrs

    wut a beauty of OD/ASB huh…

    • #9 by firdaus on February 3, 2009 - 5:26 pm

      hi afahmi,

      ada simpan lg x excel file tu. kalo ada lg, sy nk.

  9. #10 by Matjin on December 28, 2007 - 1:16 pm

    Hi all,

    I have something that I wanted to add regarding this ASB/OD. If you are husband and wife, I suggest that you don’t use cash advanced from credit card, instead, both husband and wife open ASB/OD each, e.g. husband 25k (OD1) and 15k for wife (OD2). Use OD1 as your main OD, all payment must be from this account and all paycheck should be deposited into this account.

    What you can do is pay 10k from OD2 to OD1 on the 30th of every month (using cheque), and pay back from OD1 to OD2 on the 6th of every month (using cheque). This way, you can extend your balance of OD1 up to 2 years (provided that you strictly save 30% of total income in ASB and only spent 70% of total income).

    Your OD will reduced over time, this is where your saving will come into action. DO NOT pay the OD using cash from your ASB saving, instead convert the ASB savings to sijil and top-up your reduced OD with that sijil. This way you still have the benefits of receiving divident from your ASB while your OD limit increased.

    I hope my explanation does not confused anybody since this method takes at least 2-3 years (based on your savings)before you can take full advantage of the systems.

  10. #11 by azr on July 15, 2008 - 3:57 pm

    1. As the discussion here is more on the conventional 7% OD interest rate. I guess there are more competitive rate somewhere. It would be great if you guys (the knowledgeable fellas) can direct us to the best deal in town.

    2. What are the miscellaneous fees are like to have an OD.

  11. #12 by Azman on July 25, 2008 - 4:39 pm

    I just started to use this method this month. I use RHB OD (Rate BLR + 0%). BLR = 6.75%.

    I pledged RM11,000 Sijil ASB and get RM10,450 OD Facility in Current Account.

    I activate my old savings account in RHB and link the current account with the ATM card. I also activate the Internet Banking to ease bills payment and fund transfer.

    I am in the process to apply for RHB credit card to facilitate the payment for my expenses.

    My short term aim is to save RM1,000 every month. My long term aim is to settle my credit card debts within 18 o 24 months. I also hope this OD can help my online business (if I need money to buy stock).

    I hope I can regularly update this comment to assist all readers and also to get feedback from other readers.

    • #13 by Irwan on July 25, 2008 - 4:54 pm

      thank you azman, your effort is much appreacited.

  12. #14 by Azman on August 1, 2008 - 10:51 am

    I am also looking into doing what MatJin suggested – use 2 OD facilities. My wife is already applying OD at RHB also.

    I have a friend who is trying to do the same thing with Bank Mualamat. He has to open Bank Muamalat’s Investment account at RM30,000. Bank Muamalat does not accept ASB. Anyway, the OD will be base on Islamic Banking.


  13. #15 by Azman on August 20, 2008 - 11:36 pm

    Just want to update – last month service fee for this facility is only RM50 @ RHB. Now RM150 and you need to open up current account at only RM20.


  14. #16 by Azman on September 11, 2008 - 8:44 pm

    Hi All, MBB juga dah offer OD Islamic and boleh guna ASB as collateral. Dia bagi 90% margin. BFR + 1.5% –> fixed profit rate. Cara apply mudah – slip gaji, ea form dan photocopy IC.

  15. #17 by Khair on January 3, 2009 - 1:53 pm

    Hi, Saya nak minta pendapat. Saya bercadang buat biz loan (modal backup) 300K pada kadar 6% setahun selama 5 tahun. Clear hutang 30K. Baki 270K. Saya bercadang nak buka akaun ASB. Ada pendapat tak bagaimana nak uruskan?

  16. #18 by dien on April 18, 2009 - 1:56 pm

    salam..wat do u think sir…lets say..got:

    (i) RM 8000 in unit trust
    (ii)RM 10,550 in ASB
    (iii) RM 15,000 in banks current accounts..

    ermm liability motor..monthly payment RM 200
    allowance bout RM800..stay with parents..unmarried..every month can save round RM 300…

    wat u’ll do sir??thanx..need ur opinion sir tq very2 much…much appreciated

    • #19 by OM on May 6, 2009 - 12:12 pm

      reduce the amount in current account to minimum level as such enuf to maintain ur monthly expense ie. pay loan, makan and so on, transfer most of them to ASB to obtain higher return.

      current account does give interest max 1% (or less) peryear.


  17. #20 by irwana on May 13, 2009 - 1:36 pm


    Saya memang tak berapa faham sgt pasal duit ni. Minta bro Irwan selesaikan cara yang terbaik.
    1. Pendapat la ni RM 6000 sebulan
    2. Pinjaman ASB Maybank RM 200 ribu. Dah buat pinjaman selama 3 tahun. sebelum ini dok ada RM 1500 sebulan kena bayar pinjaman ASB. tapi bayar dari diveden asb yang dapat.Boleh jual ke ASB tu?
    2. hutang2 dok ada dalam 4 ribu sebulan.

    Macamana nak handle masalah ni sebab tiba nak hujung bulan je mesti sengkek jugak.

    Dah baca dah pasal OD/ASB tapi tak faham jugak. sapa2 boleh tolong.

    Terima kasih kerana sudi menolong..

    • #21 by Jr Banker on May 28, 2009 - 11:57 pm

      1) ASB Loan RM200K tu x boleh buat OD psl sijil dh dipegang oleh pihak Bank. Kalau nk wat OD melalui sijil ASB kena jual sijil ASB tu (maksudnya cancel ASB Loan).

      2) Pas tu, klu ada duit sendiri masukkan ke dlm ASB. Klu x de, wat pinjaman peribadi.

      3) Pas tu, convert baki akaun ASB ke bentuk sijil.

      4) Pas tu, cagar-kan sijil utk dpt-kan OD.

      Hrp fhm la mende kat atas tu. Ni baru langkah pertama.

  18. #22 by pengurusankewangan on May 22, 2009 - 4:45 pm

    Memang best main MENGGUNAKAN teknik OD ni. Yang paling penting pengurusan kewangan kena tahu…

  19. #23 by kak ati on May 25, 2009 - 11:11 am

    akak nak tanya, akak baru nak buat pinjaman perumahan pada harga rm204k, macam mana dengan pinjaman RM204K tu akak nak jadikan OD. boleh ke macam tu??

    • #24 by Jr Banker on May 28, 2009 - 11:59 pm

      Cam tu x bole kak. Klu akak re-finance munkin bole.

  20. #25 by satira on May 25, 2009 - 4:45 pm

    jangan jadik bodoh… jangan buat benda nih kalo tak reti… ini untuk elak interest rate @ mulakan perniagaan kecil kecilan… jangan memandai amik pastuh kantoi… leceh… ko tau tak ko buat macam tuh bank lagik suka… bank untung, RHB untung, ASB untung, ko pening… aku dah buat dah… baik la. kurangkan berbelanja…

  21. #26 by diamate on June 23, 2009 - 5:59 pm

    mcm mn nk tau utk pengurusan kewangan yang betul part 4 dan part 5..boleh tolong tak

  22. #27 by faris on July 9, 2009 - 11:15 am

    salam encik irwan….sy sungguh sedih terlampau byk hutang, yg menganggu sgt ialah hutang cc semasa hayat bujang dulu menganggu hingga ke skrg ini dah ada anak sorang…sy akan mempunyai cash rm20k bbrp minggu lagi…soalan sy tolong lah apa perlu nya sy buat sy xnak kecundang lagi dan di maki hamun isteri sy…tolong reply ncik walau sepatah kata…salam n terimakasih

  23. #28 by faris on July 9, 2009 - 11:24 am

    encik irwan sesuai lg tak skrg ni apply od kat rhb?

  24. #29 by faris on July 9, 2009 - 11:38 am

    maaf ncik sy sekali lagi…..salam..sy bergaji bersih rm2200 sebulan, tanggungan lain ada 3cc(xguna dah cuma byr bulanan je yg di fixedkan oleh pihak bank), rumah rm1140, keta rm700,….yg lain xtau la brp baki tinggal malas le nk tau, dh mmg xcukup pun encik….skrg ni tu lah rm20k tu sy modal utk bukak episod baru hidup sy yg sengsara dgn hutang ni….harap maklum encik irwan, salam, terimakaseh…

  25. #30 by faisal on July 18, 2009 - 11:41 pm

    just curious, How can this investment help me.
    Below are my details expenses & savings:

    Basic salary : RM 2600
    1. My current personal loans commitment with 2 banks:
    RM10k(monthly:RM280)& RM20k(monthly:RM420)

    2. I have a current credit commitment of RM3K (18% PER ANNUM)

    3. I already have only 2k cash investment in ASB

    4. monthly expenses : RM1k

    5. car loan RM900+

    I’m confuse either I still can utilize this method or not. Can I still get the OD-ASB?

    please help.

  26. #31 by AbgZan on July 24, 2009 - 6:37 pm

    ASB memang menarik, dari kecil lagi saya dah involve ngan ASB. Selain ASB, bnyk lagi tempat utk invest duit cthnya Bank Rakyat, Bank Persatuan, properties dan lain-lain. Jika sudi lawatlah blog saya http://kakilabur.blogspot.com. Saya baru jer berjinak2 dlm blogging nih. Just utk share my experience dlm pelbagai jenis pelaburan. Thanks

  27. #32 by rizal71 on August 17, 2009 - 11:58 am

    Saya ada od rm 27k.la ni.income saya rm2135,pas tolak sume2 – jadinya.Tlg la saya cara2 nak guna od +asb + cc.

  28. #33 by arllyy on September 11, 2009 - 8:11 am

    dalam xplaination kat atas byar mesti ke pada 1hb, kalau kita aji awal macam raya ni camne, takkan nak tunggu sampai next month. tolong jawab kemusykilan i ni.

  29. #34 by stabillo on September 29, 2009 - 10:13 pm

    Saya tak paham pasal interest OD tu..interest dikenakan kat kita atau bank akan bagi duit kat kita..tq

  30. #35 by ZaRa on October 30, 2009 - 7:31 pm

    interest OD tu dikenakan daily.BLR skrg adalah 5.55%. so 5.55/365hari=0.0152 sehari x jumlah OD balance yg ada
    itu adalah pengiraan interst OD.setakat yg sy paham.
    correct me if im wrong…

  31. #36 by Haryzat on November 23, 2009 - 5:08 pm

    Hye Good Day,

    I am promoting Alliance Islamic Personal Loan with the lowest interest in town 3.4%-4.95% for maximun tenure 15 years.

    -max loan up to 100k
    -no guarentor (tanpa penjamin)
    -kadar terendah di pasaran 3.4% – 4.95%
    -15 years/tahun
    -overlaping another loan

    For those who interested to apply personal loan to make OD & ASB, please call me and I will help you form A-Z. No need to go bank.


  32. #37 by nany on January 15, 2010 - 2:12 pm


    Saya memang kurang faham sgt pasal duit ni. Minta En Irwan selesaikan dengan cara yang terbaik.
    1. Pendapatan bersih ni RM 1800 sebulan
    2. Pinjaman ASB Cimb RM 25 ribu. Dah buat pinjaman selama 1 tahun. kena byr bln rm152.
    3.Monthly commitment + expenses = gaji bersih
    4.xde buat saving pun…

    Macamana nak handle masalah ni sebab tiba nak hujung bulan je mesti sengkek jugak.

    Dah baca dah pasal OD/ASB tapi tak berapa faham jugak. sapa2 boleh tolong.

    Terima kasih kerana sudi menolong

  33. #38 by Hilmie on February 3, 2010 - 3:50 pm

    Assalamu’alaikum semua,

    Tumpang lalu
    Dari pendapat saya:
    OD (Overdraft) ade pelbagai jenis dan untuk specific OA ASB, hanya ada beberapa bank (yg ada buat urusan ASB) sahaja yg offer sprt CIMB, RHB, and MBB. Ari tu CIMB ade offer OD interest BLR – 2%.

    Bagaimana OD dibuat dari ASB?
    1) Jika di dlm ASB mempunyai simpanan
    => Tukarkan simpanan di dlm ASB kepada sijil (ex. RM10,000 nilai sijil)
    => cagarkan sijil ASB ke bank² pilihan utk membuat OD
    => bank akan open current account with the amount of 95% from nilai sijil. Dlm kes ini, amount dlm current account tu ialah RM9,500
    => interest akan dikenakan ke atas amount yg digunakan dgn kadar daily interest. Maknanya jika gunakan RM1,000 hari ni dan akan bayar balik besok nya, maka daily interest akan dikenakan pada amount RM1000 utk sehari.

    2) Jika membuat pinjaman ASB
    => pinjaman disbursed ke akaun ASB dlm bentuk sijil (sijil dipegang olh pihak bank). Dlm buku takkan nampak value pinjaman tu
    => dividen yg dibayar setiap tahun berdasarkan jumlah pinjaman akan kelihatan bila buku ASB dikemas kini
    => buat OD dgn menggunakan duit dividen dimana dividen ditukarkan kepada sijil dan cagarkan sijil ke mana² bank utk membuat OD seperti di atas

    Bagusnya membuat OD dari ASB ni ialah, kita menghalang nilai duit dalam ASB menyusut dimana dividen akan dikira dari jumlah duit yg tersimpan di dlm ASB. Dlm pada masa yg sama, jika terpaksa memerlukan duit (yg kebanyakan org akan terus membuat pengeluaran dividen dari ASB), kita boleh menggunakan duit dari OD current account. Pembayaran balik pon tidak fixed. Kalau lambat bayar balik, daily interest rate akan terus dikenakan pada baki amount yg belom habis dibayar.

    Setakat ini sahaja penerangan dari saya.

  34. #39 by qimie on February 10, 2010 - 5:27 pm

    Dear everybody,

    Let say I plan not to use or apply any CC bcoz i know i dont need CC yet. I just keep using the money from OD account and pay what i can paid in the end of the month.
    So, is it I’m losing something in term of reducing interest if i keep doing like tat.
    Can Somebody clarified to me?

  35. #40 by psiwar on February 11, 2010 - 4:14 pm

    kalau gaji bersih tinggal 30% je daripada gaji pokok..camne nak selamatkan diri ni..tinggal beberapa bank saja lagi belum buat PL …yang lain semua duit gaji hakmilik dituntu oleh bank..adakah pinjaman OD/ASB boleh menyelamatkan keadaan?

  36. #41 by attesa on February 18, 2010 - 9:25 am

    sekadar bertanya

    kalau sesaja nak buat od ( 50k ) dan pada masa sama ada juga loan asb 100k….camana nak tingkatkan pendapatan..

    gaji bersih tolak perbelanjaan (termasok loan asb 1k ) lebih kurang 1k. CC tak der.

    buat OD utk tambah simpanan asb bleh ker? camana nak maksimumkan ASB tuh

  37. #42 by Wida on February 25, 2010 - 4:23 pm

    Salam Irwan et all

    Terima kasih di atas penerangan yang panjang lebar

    Untuk download OD Tracker – tool untuk manage OD dan interest.. silalah melawat ke blog saya.. EmasdanTanah.com

    Nota pelaburan emas dan hartanah

  38. #43 by man on March 7, 2010 - 2:39 am

    senang je bleh refer dkt oneinamillion-secrets.blogspot.com
    mayb dpt idea cmne u bleh max kn ur ASB dlm masa setahun.. 🙂

  39. #44 by ayam on April 16, 2010 - 8:23 am


    saya baru nak plan buat OD daripada 10K sijil ASB.

    Saya still confuse berkenaan daily rate calculation.

    seandainya akaun OD 10K kosong dalamnya & interest 7%(0.02% daily), adakah betul kiraan berikut:

    1hb – 10K
    2hb – 10K x 1(hari) x 0.02% = 10,002
    3hb – 10K x 2(hari) x 0.02% = 10,004
    31hb- 10K x 30(hari)x 0.02% = 10,060

    soalan saya, adakah saya akan dikenakan interest 0.6% (30hari x 0.02%) from OD jika saya bank in gaji ke OD pada 31hb setiap bulan? Bagaimana cara untuk saya kecik kan interest RM60 sebulan kalau kiraan saya di atas betul?

    harap sesiapa yang ada ilmu finance membantu saya buat kiraan daily rate. Just nak estimate how long i can get back my sijil if i’m constantly bank in money into my OD every month.


  40. #45 by Wilson Mathews on May 21, 2010 - 2:15 pm

    What is ASB Loan and benefits ?

  41. #46 by AJ on July 6, 2010 - 3:14 pm

    Just got info that CIMB did not offer OD-ASB anymore few weeks back.. It seems that PNB not allowed such offer to be under OD facilities… Some will miss the boat…

    I don’t know about other banks (RHB, MBB…) anybody got info??

  42. #47 by awang on July 12, 2010 - 11:43 pm

    aku punye nett salary rm1500. aku buat od asb (ringkas cerita) rm 15k. aku punye expenses rm 2450. so aku with draw rm2000 sebulan dari ccard dan saving rm 1000 kat asb. semua duit yang aku dapat masuk dalam od.bayar ccard ambik duit od. sebulan aku pakai od +- rm 1450. betul ke ape yang aku figure ni. mintak otai tolong check.tq.

  43. #48 by awang on July 12, 2010 - 11:51 pm

    od = rm 15k
    nett salary bank in to od = rm1.5k
    monthly expenses ec. car,house & asb loan, use ccard to pay = RM 1450.
    daily expenses = rm 1400/month.take from od.
    utility = rm 250.
    please give a comment. tq

  44. #49 by zack on July 20, 2010 - 1:48 am

    salam…saya dulu bekerja dan memperoleh pndaptan 1k lbh dan berjaya apply asb sbyk rm200k…saya cuma nak tahu sma ada sjil asb saya dipegang oleh bank sehingga abis bayar atau saya boleh kluarkan jumlah itu mnggunakan buku asb..
    dan jika saya hendak terminate,brapa yg perlu saya byr?dan jika saya teminate slpas locking period,berapa jumlah yang saya akan dapat termasuk dividen?maksudnya saya dh membayar slama 2tahun,adakah saya akan mendapat rm16k dlm 200k tdk trmasuk dividen trsebut?

  45. #50 by Marget Fiebelkorn on November 9, 2010 - 2:46 am

    perfect almanac you’ve carry

  46. #51 by Monserrate Goetz on November 13, 2010 - 12:52 pm

    OK, I partially agree.

  47. #52 by best home theater on November 16, 2010 - 12:33 am

    You own a a awesome site here 😉 Would you like to make some guest post over at my info site..?!

  48. #53 by Deandets on January 3, 2011 - 9:56 am

    Hi, what’s the qualification to get an OD account ?…

  49. #54 by Wan on March 18, 2011 - 7:31 am

    Salam Irwan, Sijil ASB dah tak boleh cagar untuk buat OD personally. Ada cara lain tak untuk problem ni??

  50. #55 by Stock Market on May 14, 2011 - 1:44 pm

    I really appreciate your post and you explain each and every point very well.Thanks for sharing this information.And I’ll love to read your next post too.
    Stock Market

  51. #56 by Semawisabli on July 6, 2011 - 9:10 am

    How about comparing between taking OD vs taking personal loan? which is better ?  nowadays personal loan rate can be much lower! as compared to OD!

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