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  #9911  
Old 22-09-2012, 01:08 AM
alphaOne alphaOne is offline
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Quote:
Originally Posted by apes View Post
Ade tak sape2 yang wat loan asb tak kene bayar upfront??
setakat ini saya x dikenakan sebarang upfront..
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  #9912  
Old 22-09-2012, 01:09 AM
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Quote:
Originally Posted by NEMO View Post
sebb gaji xsampai 2k..pastu ada komitmen lain plak....tp den tetap degil nak max loan..
asal lepas dan mampu bayar installment..
tahniah dan slmt berjaya..
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  #9913  
Old 22-09-2012, 01:42 AM
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Originally Posted by thetrader View Post
Salam...minta tuan bagi dorongan untuk buat Lasb.

Sedikit info...

Dalam sebulan dua ni saya settle jual rumah sendiri dan dapat cash dalam RM165k. RM65k saya nak settlekan segala hutang keliling pinggan yang membuatkan saya ccris/blacklist.

RM100k saya tak nak usik dan nak letak dalam ASB. Pada masa yang sama saya nak buat Lasb RM200k ( mungkin dengan tuan ). Total ASB saya nak jadikan RM300k.

Mohon pandangan otai2 semua, langkah yang terbaik patut saya ambil untuk menghasilkan maksimum dividen dlm masa kurang 5 tahun.

Target saya selepas 5 tahun nak dapat RM2k-RM5k sebulan dan planning untuk retire pada umur 40an.

Umur sekarang 34 tahun...
Gaji bersih RM3094...layak ke buat RM200k he he

Harap otai semua sudi bagi pandangan dan pengiraan yang sewajarnya..
Peeh ada 100k tuh nak letak dlm Asb...
Pakai OPE wat lasbi 1 juta pon menarik tuh.... Tp kena ada saudara mara yg bleh dipercayailah...
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  #9914  
Old 22-09-2012, 06:27 AM
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Quote:
Originally Posted by fixs5 View Post
Peeh ada 100k tuh nak letak dlm Asb...
Pakai OPE wat lasbi 1 juta pon menarik tuh.... Tp kena ada saudara mara yg bleh dipercayailah...
Hehehe.. OPE/OPM RM1Million. terbaek kalau bleh buat. Manage btoi2 masyuk tu..
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  #9915  
Old 22-09-2012, 10:05 AM
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Originally Posted by mr achik View Post
Hehehe.. OPE/OPM RM1Million. terbaek kalau bleh buat. Manage btoi2 masyuk tu..
Maksudnya kita punya LASB RM200k - 1 akaun
saudara mara LASB RM800k - 4 akaun - Total RM1 mil..

Duit RM100k cash tu saya buat upfront dulu..

Tapi mcm mana ya...jika adik beradik tidak bekerja atau pun gaji kurang layak...adakah upfront dari RM100k saya tu boleh approvedkan
LASB mereka tadi..

Mohon tunjuk ajar...
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  #9916  
Old 22-09-2012, 10:07 AM
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Originally Posted by thetrader View Post
Maksudnya kita punya LASB RM200k - 1 akaun
saudara mara LASB RM800k - 4 akaun - Total RM1 mil..

Duit RM100k cash tu saya buat upfront dulu..

Tapi mcm mana ya...jika adik beradik tidak bekerja atau pun gaji kurang layak...adakah upfront dari RM100k saya tu boleh approvedkan
LASB mereka tadi..

Mohon tunjuk ajar...
yg perlu upfront bg upfront..
yg x perlu jgn byr upfront sbb xde faedah pun bg bank duit awal2..
kecuali la utk luluskan loan dr peminjam yg tiada payslip @ komitmen tinggi..
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  #9917  
Old 22-09-2012, 10:28 AM
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Quote:
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yg perlu upfront bg upfront..
yg x perlu jgn byr upfront sbb xde faedah pun bg bank duit awal2..
kecuali la utk luluskan loan dr peminjam yg tiada payslip @ komitmen tinggi..
oret...dah nampak jalan...

Kita ambil contoh dividen asb 8.8%

1 akaun LASB - RM200k - montly RM1162/25thn - RM17600-RM13944 = RM3656 bersih setahun.

Seandainya kita ada 5 akaun LASB RM200k, jadinya...
RM3656 x 5 akaun = RM18280...Lebih kurang RM1523 montly...
agak menarik untuk dipraktikan..

Kalu salah tolong tunjuk...
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  #9918  
Old 22-09-2012, 10:48 AM
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Quote:
Originally Posted by thetrader View Post
oret...dah nampak jalan...

Kita ambil contoh dividen asb 8.8%

1 akaun LASB - RM200k - montly RM1162/25thn - RM17600-RM13944 = RM3656 bersih setahun.

Seandainya kita ada 5 akaun LASB RM200k, jadinya...
RM3656 x 5 akaun = RM18280...Lebih kurang RM1523 montly...
agak menarik untuk dipraktikan..

Kalu salah tolong tunjuk...
jgn tersilap dgn pengiraan bonus asb.. anda ambil kiraan 7.5% sahaja..
untuk dapat merasa 8.8% anda perlulah menyimpan selama 10 tahun..
kerana bonus dikira berdasarkan baki terendah bulanan selama 10 tahun ke belakang..
sbb tu beruntung siapa yg dh bt simpanan 10 tahun.. senyum je bl div announcement..
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  #9919  
Old 22-09-2012, 11:14 AM
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Saya ambil statement ni drpd page 1, kredit to Ikeda...

MAYBANK.
Kaedah 1(Guna duit sendiri serve loan selama 3 tahun,Loan 200k,Monthly 1,162)
ASB 3 tahun = 200000 x 1.075^3 = 248,459
Ammortize loan (bulan ke-37) = 186,361
Nett dapat = 62,098
Modal = 1162 x 12 x 3 = 41,832
Untung = 62,098 – 41,832 = 20,266
ROI = 48.45%

Kaedah 2(Guna duit sendiri tahun 1,seterusnya guna div serve loan)
ASB tahun pertama = 215,000 ; ASB tahun kedua = 216,614 ; ASB tahun ketiga = 218,350
Ammortize loan (bulan ke-37) = 186,361
Nett dapat = 31,989
Modal = 1162 x 12 = 13,944
Untung = 31,989 – 13,944 = 18,045
ROI = 129.41%

Conclusion

Kaedah 1 : Modal = 41,832 ; Untung = 20,266 ; ROI = 48.45% - Cash on hand 62,098
Kaedah 2 : Modal = 13,944 ; Untung = 18,045 ; ROI = 129.41% - Cash on hand 31,989

So Kaedah 2 adalah ROI yang tinggi..tapi kaedah 1 cash on hand 2x ganda dari kaedah 2.(proses menjadi jutawan lagi cepat untuk kaedah 1)

Boleh sape2 tolong kirakan jika saya buat LASB 5 akaun RM200k...maybe guna nama adik beradik...Total LASB RM1mil

Cash yang saya ada RM100k untuk serve LASB selama 3 tahun....Terminate LASB selepas 3 tahun mcm kaedah diatas...berapakah cash in hand yang saya ada pada akhir tahun ke-3 ( bulan ke-37 )...saya agak keliru dengan kiraan yang diatas...

Dan tahun keberapakah patut saya serve loan tu untuk jadikan cash in hand over RM1mil...

Last edited by thetrader; 22-09-2012 at 11:16 AM.. Reason: bold
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  #9920  
Old 22-09-2012, 11:20 AM
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Quote:
Originally Posted by thetrader View Post
Saya ambil statement ni drpd page 1, kredit to Ikeda...

MAYBANK.
Kaedah 1(Guna duit sendiri serve loan selama 3 tahun,Loan 200k,Monthly 1,162)
ASB 3 tahun = 200000 x 1.075^3 = 248,459
Ammortize loan (bulan ke-37) = 186,361
Nett dapat = 62,098
Modal = 1162 x 12 x 3 = 41,832
Untung = 62,098 – 41,832 = 20,266
ROI = 48.45%

Kaedah 2(Guna duit sendiri tahun 1,seterusnya guna div serve loan)
ASB tahun pertama = 215,000 ; ASB tahun kedua = 216,614 ; ASB tahun ketiga = 218,350
Ammortize loan (bulan ke-37) = 186,361
Nett dapat = 31,989
Modal = 1162 x 12 = 13,944
Untung = 31,989 – 13,944 = 18,045
ROI = 129.41%

Conclusion

Kaedah 1 : Modal = 41,832 ; Untung = 20,266 ; ROI = 48.45% - Cash on hand 62,098
Kaedah 2 : Modal = 13,944 ; Untung = 18,045 ; ROI = 129.41% - Cash on hand 31,989

So Kaedah 2 adalah ROI yang tinggi..tapi kaedah 1 cash on hand 2x ganda dari kaedah 2.(proses menjadi jutawan lagi cepat untuk kaedah 1)

Boleh sape2 tolong kirakan jika saya buat LASB 5 akaun RM200k...maybe guna nama adik beradik...Total LASB RM1mil

Cash yang saya ada RM100k untuk serve LASB selama 3 tahun....Terminate LASB selepas 3 tahun mcm kaedah diatas...berapakah cash in hand yang saya ada pada akhir tahun ke-3 ( bulan ke-37 )...saya agak keliru dengan kiraan yang diatas...

Dan tahun keberapakah patut saya serve loan tu untuk jadikan cash in hand over RM1mil...
darab 5 aje lah...
tp adalah lebih baik anda fahamkan dahulu pengiraan tersebut..
dan anda kira sendiri brape yg anda dapat..

Pengiraan haruslah mengambil kira umur, nilai installment bulanan, premium insurans, serta BLR terkini..
selamat melakukan kira2..
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Last edited by alphaOne; 22-09-2012 at 11:24 AM..
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