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[Tempatan] Bank Negara Malaysia akan bekukan Pinjaman ASB Selepas Belanjawan 2014?

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Author: Magika       Show all posts   Read mode

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Post time 17-9-2013 06:17 PM | Show all posts |Read mode
http://klse.i3investor.com/blogs/kltrader/37015.jsp



Banking - BNM To Curb ASB Financing?

Author: kltrader   |   Publish date: Tue, 17 Sep 09:35

Minimal impact on sector. The Edge reports, quoting sources, that banks are considering a freeze on new loans for Amanah Saham Bumiputera (ASB) schemes to rein in household debt levels and that the central bank will look to introduce curbs on such financing after Budget 2014 in October. ASB financing is low risk to the banking system, for it accounts for just about 3% of system loans, by our estimates, but lending to this segment has been fairly rapid, with growth of more than 25% YoY. If these restrictions do materialize, they would somewhat impact lending growth by RHB Capital, which drives ASB financing through its EASY kiosks. Neutral maintained on the sector, with top BUYs unchanged C AMMB, HL Bank and HLFG.

About 3% of total loans. Loans for the purchase of securities have seen robust momentum, expanding 25% YoY in Jul 2013. Nevertheless, such loans account for just 5.4% of total banking system loans, with ASB financing accounting for just 56% of such loans, by our estimates, i.e. 3% of total system loans. The default rate for share financing is just 0.2% and associated risks with ASB financing are low, given that the unit price does not fluctuate and is fixed at MYR1/unit.

Three banks currently provide ASB financing C Maybank, CIMB and RHB, with market shares estimated at 52%, 23% and 25% respectively. CIMB and RHB have been most aggressive, with ASB financing expanding at a 4-year CAGR of more than 30% and 50% respectively. Even so, loan exposures are still low. Despite the strong growth, CIMB is essentially playing catch up and ASB financing currently accounts for just 3.8% of its total loan portfolio as at end-June 2013. Maybanks exposure is just 5.5% while RHBs exposure is a higher 7.7%. RHBs EASY kiosks have been the primary source of ASB loans to the group.

ASBs returns have been high. ASBs returns have averaged about 8.79sen/unit over the past six years, which would be more than sufficient to ensure a positive return, even if investors were to borrow to invest at RHBs financing rate of BLR-1% or 5.6%. This thus enhances the viability of the investment scheme even if it were financed through borrowings at current interest rates.

Source: Maybank Research - 17 Sep 2013
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 Author| Post time 17-9-2013 06:17 PM | Show all posts
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 Author| Post time 17-9-2013 06:19 PM | Show all posts
kalau buat pinjaman 25 tahun , rasanya dapat dividen pertama, dah cukup untuk rolling... tetapi betul ke BNM nak buat>
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Post time 17-9-2013 06:23 PM | Show all posts
Magika posted on 17-9-2013 06:19 PM
kalau buat pinjaman 25 tahun , rasanya dapat dividen pertama, dah cukup untuk rolling... tetapi betu ...

bila dah dapat dividen tahun pertama tu mmg boleh rolling byr setahun terus loan tu..tapi macam maybank tak benarkan bayar untuk setahun terus..still kena potong dari akaun bulan2.. kalau tak gelap mata berbelanja duit yg ada tu okla..
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Post time 17-9-2013 06:28 PM | Show all posts
dah berhutang nk tambah htg lgi wakaka,,, mansukan jelah loan asb nih, yg kaya bank, yg berhutang pelabur
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Post time 17-9-2013 06:42 PM | Show all posts
apa produk yg bank bleh jual lepas nih.....hbis semua BNM dah ganggu hahahh....
personal loan dah kiok.....
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Post time 17-9-2013 07:18 PM | Show all posts
xpelah kita menabung sdri sdri je.... walaupun perbelanjaan makin naik... minyak naik semua naik
gaji naik 1 persen je


klu Rosmah boleh kita pun boleh... menabunglah dari kecil
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Post time 17-9-2013 07:27 PM From the mobile phone | Show all posts
KoSe posted on 17-9-2013 06:23 PM
bila dah dapat dividen tahun pertama tu mmg boleh rolling byr setahun terus loan tu..tapi macam ma ...

Bkn maybank pon boleh byr setahun terus ke? Cuma tuk tahun pertama je kena byr manual... Tahun seterusnya dah ok dah....
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Post time 17-9-2013 08:09 PM | Show all posts
antara kesan2 minyak naik dua posen...
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Post time 17-9-2013 08:19 PM From the mobile phone | Show all posts
polaris_girlz posted on 17-9-2013 07:27 PM
Bkn maybank pon boleh byr setahun terus ke? Cuma tuk tahun pertama je kena byr manual... Tahun set ...

Boleh eh? Iols byr potong dr akaun setiap 1hb.. Klu boleh next year iols nk byr terus setahun.. Klu tak, duit dividen tu tak sampai mac pun dah habis guna..
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Post time 17-9-2013 08:58 PM | Show all posts
KoSe posted on 17-9-2013 08:19 PM
Boleh eh? Iols byr potong dr akaun setiap 1hb.. Klu boleh next year iols nk byr terus setahun.. Kl ...

bayar guna dividen maksudnya masukkan duit dividen tu kedalam akaun maybank (akaun yang tolak duit tiap-tiap bulan), kalau bayar terus ke Maybank memanglah tak boleh.

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Post time 17-9-2013 09:18 PM From the mobile phone | Show all posts
adi143 posted on 17-9-2013 08:58 PM
bayar guna dividen maksudnya masukkan duit dividen tu kedalam akaun maybank (akaun yang tolak duit ...

Akaun maybank tu ialah akaun utama yg digunakan selalu..duit dividen tu akn mix dgn duit gaji..mmgla tak dpt nk sampai bulan 12 dah terguna.. Klu boleh byr terus setahun kan best
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Post time 17-9-2013 09:20 PM From the mobile phone | Show all posts
KoSe posted on 17-9-2013 08:19 PM
Boleh eh? Iols byr potong dr akaun setiap 1hb.. Klu boleh next year iols nk byr terus setahun.. Kl ...

Yup...tp kn inform kt org maybank, nk byr setahun terus...then duit tu msk dlm acc dia...so xde dah lah dia potong kt acc kita...
Wat camni baru selamat byrn bulanan hihi...
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Post time 17-9-2013 10:02 PM From the mobile phone | Show all posts
Boleh je guna dividen tu byr utk setahun loan. Tp kena buat surat rasmi..inform pd maybank yg nk byr loan asb for 1 year..
Saya pernh buat..
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Post time 17-9-2013 11:36 PM From the mobile phone | Show all posts
Rugila ambik loans bank chg interest lebih 3% dah tu ASB bayar dividend 7% untong dln 3% ape gunanye. Aku dah kira tunjuk kat maybank staff mereks terdiam tgk kiraan aku. nak melabur seelok guna wang sendiri.
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Post time 18-9-2013 02:48 AM | Show all posts
kodokke posted on 17-9-2013 11:36 PM
Rugila ambik loans bank chg interest lebih 3% dah tu ASB bayar dividend 7% untong dln 3% ape gunanye ...

cuba share kiraan tu..

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Post time 18-9-2013 03:26 AM | Show all posts
aku bantah.....! pasal aku ada share ASB.....! cilanat BNM.......!!!
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Post time 18-9-2013 05:40 AM | Show all posts
Aku bantah gak...
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Post time 18-9-2013 01:25 PM From the mobile phone | Show all posts
kodokke posted on 17-9-2013 11:36 PM
Rugila ambik loans bank chg interest lebih 3% dah tu ASB bayar dividend 7% untong dln 3% ape gunanye ...

tu blum masuk processing fee. seblum & selepas & tax kira x?
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Post time 18-9-2013 01:29 PM | Show all posts
credit cards tak nak hapus ke...
dari hapus ASB baik hapus credit cards, kita pakai je debit cards, so tak der ler hutang banyak.
Loan keta pun kita naikan tempoh, mungkin 3 tahun bagi kereta import
5 tahun bagi kereta bertaraf local. Bagi kereta import pulak kenakan down payment 30%, Bertaraf local kita tak kena down payment? Amacam
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Post time 18-9-2013 01:50 PM | Show all posts
suami sy ada buat loan dgn maybank utk 2 anak sy..seorg 100k...waktu mula buat loan tu suami terus byar advance utk setahun...xada masalah pun...pastu hujung tahun ambil dividen tu byar terus utk tahun seterusnya...jd anak2 xpayah bayar guna duit mereka la nanti...sebagai pelaburan utk anak2, sbb xada harta lain nak tinggalkan utk diorang nanti...
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Post time 18-9-2013 01:58 PM | Show all posts
aku x pernah paham lagilah tertarik ngan loan ASB nih
x nampak untungnye sgt pon
beh baiklah aku invest in tabung haji ke hapow
at least duit byk, leh g haji
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Post time 18-9-2013 01:59 PM | Show all posts
ni ke salah satu usaha kerajaan tuk kurangkn beban hutang isirumah?
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Post time 18-9-2013 02:09 PM | Show all posts
aku x rase ni salah satu lgkah utk kurangkan hutang isi rumah

hutang isi rumah slalunya mmg keperluan jer (bg yg da kawen) rumah+kete+loan blaja

kalu bujang mmg la kete+loan blaja

yg x sedar diri hutang kad kredit

asb ni x ramai pon yg buat, kalu buat pun biase nye diorg yg ade 'duit lebih bulan2' jer

::kesian rakyat marhaen yg terpaksa pk 1001 caa utk stabil kn hidup, bukan utk hidup mewah, tp utk teruskan hidup

::menabunglah utk anak2, spy mrka x tjebak dgn sgala hutang yg x spatutnya in future
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Post time 18-9-2013 02:23 PM | Show all posts
asb syubhah kan
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