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  #111  
Old 22-01-2009, 07:48 AM
Emil Emil is offline
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Quote:
Originally Posted by Abu nawas View Post
kalau bulan2 simpan sendiri 1300 tu, dalam tempoh 20 tahun agak2 dapat brapa? agak2 dekat RM800K
benda ajaib ke-8 dunia, compound interest...
Kalau simpanan biasa dapat RM312,000 tanpa faedah.
Kalau paling rendah 2.5% setahun faedah saving
account congak2:
(15,600 + 390) X 20 = RM319,800

Tapinya ni kena konsisten, simpan setiap bulan..
Yang di cadangkan oleh RHB ni kita cuma bayar 1st year je..
Lebih Bebaloi kot.
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  #112  
Old 22-01-2009, 08:59 AM
WnB WnB is online now
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RHB..

OD kalau keluar lump sum buat ASB... interest adalah BLR - 0.
loan ASB pula.. skrg ni interest dia BLR - X.XX%.

konsep interest sama. Pakai reducing balance. So secara tak langsung kita akan tau. loan ASB utk konsep lump sum lagi rendah interest dia banding pakai OD.

Beza pula:
- OD kita boleh bayar interest shj setiap bln. Tempoh masa hutang abis bayar gantung pada kita
- Loan ASB bayar interest + pokok setiap bln. Tempoh pinjaman telah ditetapkan.

Kelebihan OD..
- ada teknik kedekut taik idung masih... So kat situ boleh kurangkan interest.

Last edited by WnB; 22-01-2009 at 09:01 AM..
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  #113  
Old 22-01-2009, 09:22 AM
mygol mygol is offline
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BLR turun lagi...

Monetary Policy Statement
At the Monetary Policy Committee (MPC) meeting today, Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) by 75 basis points to 2.50 percent. The ceiling and floor rates of the corridor for the OPR are correspondingly reduced to 2.75 percent and 2.25 percent respectively. The Statutory Reserve Requirement (SRR) is also reduced from 3.5 percent to 2 percent, effective from 1 February 2009. With the heightened downside risks to growth, the magnitude of the reductions in the OPR and the SRR are aimed to be pre-emptive in providing a more supportive monetary environment for the domestic economy.

The international economic and financial conditions have deteriorated much more significantly in the recent period. The major industrial economies are now experiencing a recession and this has significantly increased the risks to global growth. The contraction in global demand and trade, combined with the reduction in global commodity prices, has affected the export earnings of many of the regional economies, including Malaysia. These contractionary factors have been exacerbated by the protracted turmoil in the international financial markets.

The sharper deterioration of the global economy is expected to have a greater impact on the Malaysian economy. The large decline in external demand has already led to a contraction in exports and a moderation in the pace of private investment activity. In addition, these developments have also affected labour market conditions. Under these circumstances, the urgent implementation of policy measures will be key towards ensuring that the Malaysian economy continues to experience positive growth in 2009.

In an environment of moderating growth and the significantly lower commodity prices, inflation has continued to decelerate to 4.4 percent in December 2008. This deceleration is expected to continue with the weaker demand conditions and lower imported inflation.

Given that the Malaysian banking system remains fundamentally sound, the Bank's efforts will continue to be directed towards ensuring access to credit to all sectors of the economy, and that the reduction in interest rates would be reflected in lower borrowing costs.



Bank Negara Malaysia
21 January 2009
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  #114  
Old 22-01-2009, 09:26 AM
WnB WnB is online now
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ambik loan ASB BLR-X.XX, kira untung laaaa skrg nie.... BLR makin rendah...

Last edited by WnB; 22-01-2009 at 09:29 AM..
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  #115  
Old 22-01-2009, 11:59 AM
WnB WnB is online now
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Quote:
Originally Posted by bolabola_la View Post
nak tanya sikit...apa beza BLR ngan BFR???? pening ni.. yang bank negara anounce tiap2 tahun tu BFR ke BLR???
BLR nama non muslim dia.. BFR nama islam dia...
BFR - Base financing rate.

So far, BFR akan ambil nilai BLR.
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  #116  
Old 22-01-2009, 12:16 PM
aidiryatim aidiryatim is offline
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Quote:
Originally Posted by WnB View Post
ambik loan ASB BLR-X.XX, kira untung laaaa skrg nie.... BLR makin rendah...
yup.. TETAPI.. kena cari pakej yg xde fee exit lepas sethn/2 thn.. klu 5 thn.. ade can BLR naik balik tinggi ..xpun amik 2 pakej.. 1 yg fix.. satu lg yg BLR-XX%.. 3 thn cancel arr loan.. wat baru.. mana tau ade pakej lg best, dan boleh jadi BLR rendah dividen ASB pun rendah.. 7% .. ok per
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  #117  
Old 22-01-2009, 12:45 PM
black7 black7 is offline
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Quote:
Originally Posted by hunTer View Post
di rhb minimum od RM15000..tp sy masih blaja ni..gold minded plz advise us..mcm ni ker

beli sijil asb bernilai RM15000
od 95%=l4250pd 1 january put in asb
so let say dividen 8%=8%*(15000+14250)=2340
interest od pd 30 january=6.5%*14250*30/365=76.13
so pd ujung january kite byr interest od skali ngan od 14250 ke?iaitu 14326.13?

14326.13 byr dgn guna 15000+od 14250 tiap2 tahun..

btol ker bley camni..

maknanye overall dividen jd 2x ganda nie..
nie macam tak betul je...duit Rm15k yg bro wat sijil tu lah digunakan lagi...bank dah pegang sijil tu,tapi kita seh dapat dividen ASB...macam mane leh byr Rm14326.13 tu?sedangkan bro dah kuarkan semua OD utk masuk ASB...

kalo ade income masuk setiap bln dlm RM15k tak mustahil nak byr duit OD tu..kalo kuar kan semua OD tu leh kena interest lain nnt..bkn BLR-0..coz penggunaan OD melebihi dari jumlah RM14250...
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  #118  
Old 22-01-2009, 01:12 PM
wfl wfl is offline
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Quote:
Originally Posted by hunTer View Post
salam warga cg..
sy mahu konsi pengetahuan sy bersama anda sekalian
tentang asb..sy bekerja mkn gaji dgn RHB bank..

ok sy mula dgn loan asb
interest rate semasa(IRS) 6.75%
untuk pinjaman asb antara 10k hingga 30k IRS akan ditolak 1.75% pd tahun pertama(IRS=5%) dan start dari tahun kedua akan di tolak 1.25%(IRS=5.50%)

untuk pinjaman asb melebihi 30k IRS akan ditolak 2.00% pd tahun pertama(IRS=4.75%) dan start dari tahun kedua akan di tolak 1.25%(IRS=5.50%)

sy lebih suke simpanan utk jangka pjg..loan boleh di buat sampai 20thn atau mencapai 60 tahun(yg mana terdahulu)..

contoh:

sy buat loan RM200k utk 20 tahun
tiap2 bulan sy kene byr loan RM1348 selama 20tahun
utk tahun pertama sy perlu tolak gaji tiap2 bulan tp hanya tahun pertama sahaja..plan sy pd tahun kedua sy akn guna dividen sebagai back up..contoh:

sy guna 8.50% sebagai tanda aras dividen setiap tahun
dividen tahun pertama : RM200k*8.5%=RM17000
maknaynye sy bley back up tahun kedua dan seterusnya menngunakan diveden dari tahun sebelomnya tiap2 bulan sebanyak :
RM17000/12 =RM1417

dgn gunakan rm1417 sy tak perlu risau nk byr bulanan rm1348 utk tahun seterusnya sehingga 20 tahun..pada tahun 20 sy akan dpt rm200k

strategi di sebaliknya mula pada tahun kedua anda tak perlu risau gaji anda ditolak..hanya pada tahun pertama kita perlu korbankn sket duit kita..dan pada tahun kedua anda dah boleh stat menyimpan tabung kedua anda yg lain kerana dividen setiap tahun dah bley back up byr utk thn seterusnya..tabung pertama dah bley dpt 20thn akn dtg sebyk rm200k..pada tahun kedua sy pula akan simpan pula di unit trust kita pula utk tabung kedua sy.

berminat kontek sy
hunter = 0132151203
ya2 penuh stratergi....

nama dah kasi pinjam...
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  #119  
Old 22-01-2009, 01:14 PM
wfl wfl is offline
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Quote:
Originally Posted by black7 View Post
nie macam tak betul je...duit Rm15k yg bro wat sijil tu lah digunakan lagi...bank dah pegang sijil tu,tapi kita seh dapat dividen ASB...macam mane leh byr Rm14326.13 tu?sedangkan bro dah kuarkan semua OD utk masuk ASB...

kalo ade income masuk setiap bln dlm RM15k tak mustahil nak byr duit OD tu..kalo kuar kan semua OD tu leh kena interest lain nnt..bkn BLR-0..coz penggunaan OD melebihi dari jumlah RM14250...
tuuuu la pasal...penuh statergi
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  #120  
Old 22-01-2009, 05:54 PM
gold_minded gold_minded is offline
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Quote:
Originally Posted by gold_minded View Post
owh cam tu ka... okay kita belajar sama-sama la bro... rasa kalau buat loan asb, duit kita akn terikat dgn bank tu pasal sijil untuk simpanan tetap asb bank tu simpan... kita still mampu bayar bulan2 duit loan asb.. cube try reverse dia punya flow ckit..

1) buat personal loan. cth 20k selama 15thn
2) beli sijil asb dgn 20k tu
3) cagar kan sijil di RHB untuk mendapatkan facility kewangan
(over draft) atau lebih di kenali sebagai OD.
4) RHB bank akan bagi 95% dari nilai sijil(cth 20k dapat 19000)
dgn kadar intr secara daily rest bergantung pada BLR+0%
setahun..
5) dgn facility od ni kita bleh lumsum kan simpanan rm3600 kedalam buku asb pada bulan jan sahaja setiap tahun..
6) apabila ujung tahun kita akn terima 2 dividen
1) dari sijil asb rm20k
2) dari buku asb rm3600( kalau buat simpanan 300 sebulan la)
katakan dividen 8% campur dua2 dividen dah ade= rm1652
7) dividen ni masuk kan balik ke dalam od yang dah susut tadi..
8) dan begitu la dgn tahun2 yang seturusnya...

abaikan dulu interst nya..

cuba bro2 semua kira berapakah simpanan di dalam buku asb dan nilai baki od yang tinggal selepas 10 tahun jika tiap-tiap tahun mggunakan CARA 5 hgga 8... jgan lupa ttg pertambahan simpanan 3600 pada tiap-tiap tahun yang bermaksud dividen pada tahun pertama adalh lebih darpd tahun kedua.. susutan od pada tahun ketiga juga lebih pada tahun kedua.. tapi... selamat mencuba...
x paham lagi tu bro hunter... sekali lagi sya hilight.. nampak x hanya RM3600.. bkn semua nilai od ke dalam buku asb.. kalau semua habis la..... ok cuba lagi..
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