Product

ASB is a unit trust fund with a fixed price of RM1 per unit. It offers Bumiputera citizens a low-risk, long-term investment opportunity with consistent and competitive returns.

With ASB, you can easily top up your investment using available cash whenever it suits you, allowing it to grow progressively over time.

Read more about ASB here.

ASB Financing/-i is an Islamic financing facility that allows customers to leverage their investment in Amanah Saham Bumiputera (ASB) units to obtain financing for various purposes.

Instead of relying solely on your own funds to save in ASB, leverage a financing solution to boost your ASB investment capital and maximise your returns.

Who is it suitable for

Individuals who can self-manage their financial commitments and allocate remaining funds to savings.

Individuals with surplus income who want to pre-commit and grow their investment capital.

Payment/Investment information

Investment
Cash investment

Mode of Investment
Self-contribution or Auto Labur (automated monthly recurring investments)

ASB Income Distribution & Bonus Earned

Automatically credited to the respective ASB unit holder's account

Payment
Single monthly instalments

Mode of Instalment Payment

Variable Standing Instruction

ASB Income Distribution & Bonus Earned

Automatically credited to the respective ASB unit holder's account

Eligibility

Bumiputera

Akaun Remaja

• Eligible from 6 months to under 18 years old

Akaun Dewasa

• Eligible for 18 years old and above

Bumiputera

• Individuals aged between 18 and 70 years old

Joint Borrower

The eligibility for a joint borrower are as follows;

• Malaysian and Bumiputera.
• Joint borrower must be immediate family members i.e. spouse, parents, children or sibling
• Aged 18 years old and above, not exceeding age 70 years’ old

Guarantor

• Malaysian
• One (1) guarantor only and must be immediate family members i.e. spouse, parents, children or sibling with means to repay the financing
• Aged 18 years old and above, not exceeding age 70 years old

Investment/

Financing Amount

Min. Investment: RM1

Max. Investment: RM300,000

Min. Financing: RM10,000

Max. Financing: RM200,000

Tenure

Up to 35 years or up to 70 years old, whichever comes first

*Note: Financing tenure is based on the applicant's age

Dividend Returns

5.00% (2021)

4.60% (2022)

5.25% (2023)

Note: The percentages above exclude an additional bonus of 0.5% in 2022 for balances up to 30,000 units.

Benefits for Maybank customers

Easily top up your investment online by linking your ASNB account with Maybank2u. Follow the steps provided here

Competitive financing rate and no upfront fee

Online Application
Easily link your ASNB account with Maybank2u or apply through the MAE App for quick and seamless processing.

Instant Approval
Apply for ASBF and receive your application status in as little as 10 minutes*.

*Applies to Maybank’s existing customers with complete records.

Existing Maybank Customer

New to Maybank Customers

Step 1: Login to the MAE app and tap  ‘Apply’

Step 1: Download and install the MAE by Maybank2u app and tap  ‘Apply’

Step 2: Select ‘ASB Financing-i’ under the ‘Loan/Financing’ tab

Step 2: Select ‘ASB Financing-i’ under the ‘Loan/Financing’ tab

Step 3: Key in your ASNB account number and follow the on-screen instructions to complete your application.

Step 3: Fill in your personal details and key in your ASNB unit holder account number.

Step 4: Authorise via Secure2u.

Step 4: Complete your financing details, income details and follow the on-screen instructions to complete your application.

Step 5: Selected Maybank customers will have their financing approved instantly!

Otherwise, upload any required documents and allow 3 working days to process your application.

Step 5: Review and confirm your details.

Step 6: You will be notified of the status of your application via SMS and/or email.

Existing Maybank Customer

New to Maybank Customers

Step 1: Login to www.maybank2u.com.my

Step 2: Click ‘Apply’ at the upper tab. Select ‘ASB Financing-i’ under the ‘Loan’ section.

Step 2: Fill in your personal details and key in your ASNB unit holder account number.

Step 3: Key in your ASNB account number and follow the on-screen instructions to complete your application.

Step 3: Complete your financing details, income details and follow the on-screen instructions to complete your application.

Step 4: Authorise via Secure2u.

Step 4: Review and confirm your details.

Step 5: Selected Maybank customers will have their financing approved instantly!

Otherwise, upload any required documents and allow 3 working days to process your application.

Step 5: You will be notified of the status of your application via SMS and/or email.

Tenure: 5 - 35 years
SBR + 1.40%
(Effective Rate at 4.15%)

Stamp Duty

As per Stamp Duty Act (Revised 1989)

ASNB Unit Certificate Fee

RM50.00 per Certificate