Making Easy Money III: RHB ASB Loan

Here are the rates from RHB Banks. I could not sleep thus did some quick goggling on ASB

INTEREST RATES	Term Loan (TL) RM10,000 to RM49,999 without GRTA BLR – 1.25% RM10,000 to RM49,999 with GRTA BLR – 1.40% RM50,000 & above without GRTA BLR – 1.40% RM50,000 & above with GRTA BLR – 1.55% ASB Interest Only Package (ASB5) BLR – 1.00% Overdraft (OD) against ASB / ASW BLR - 1.00%
LOAN TENURE	1 year to 20 years or 60 years old whichever is earlier
LOAN AMOUNT	Min. RM10,000 Max. Up to individual's ASB investment limit
MARGIN OF ADVANCE (MOA) TL FOR ADDITIONAL / NEW ASB INVESTMENT	Up to 100% + 5% (GRTA)
TL AND OD FOR PERSONAL CONSUMPTION ON UNENCUMBERED ASB CERTIFICATE	95% of ASB certificate
INSURANCE	Optional, financed by Bank
MODE OF REPAYMENT	Standing Instruction (SI)
CUSTODIAN FEE	Term Loan (TL) RM100 Term Loan (TL)/ Overdraft (OD) against unencumbered ASB certificate RM150 per certificate
DOCUMENTS REQUIRED	Photocopy of identity card Photocopy of ASB passbook 1 month pay slip/other proof of income e.g. bank account statement
EXIT FEE	1st 2 years 3% of approved loan amount 3rd to 5th year 1% of approved loan amount if settled by liquidation of certificates. However, NO exit fee if settled by own funds from 3rd year to 5th year.