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[Tempatan]
Bank Negara Malaysia akan bekukan Pinjaman ASB Selepas Belanjawan 2014?
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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 – 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 – 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. Maybank’s exposure is just 5.5% while RHB’s exposure is a higher 7.7%. RHB’s EASY kiosks have been the primary source of ASB loans to the group.
ASB’s returns have been high. ASB’s 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 RHB’s 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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kalau buat pinjaman 25 tahun , rasanya dapat dividen pertama, dah cukup untuk rolling... tetapi betul ke BNM nak buat> |
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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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dah berhutang nk tambah htg lgi wakaka,,, mansukan jelah loan asb nih, yg kaya bank, yg berhutang pelabur |
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apa produk yg bank bleh jual lepas nih.....hbis semua BNM dah ganggu hahahh....
personal loan dah kiok..... |
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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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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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antara kesan2 minyak naik dua posen... |
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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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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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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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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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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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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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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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aku bantah.....! pasal aku ada share ASB.....! cilanat BNM.......!!!  |
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Aku bantah gak... |
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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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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 17-9-2013 06:17 PM
变色卡
Author
Post time 18-9-2013 01:25 PM
