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  #21  
Old 30-12-2009, 08:32 AM
iorichee iorichee is offline
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Quote:
Originally Posted by neceolite View Post
betul ke aku kira ni

Rm387 x 12 bulan = RM 4644

RM4644 (setahun) x 5 tahun = RM23220

=========================

Untung ASB
let say - setahun 8%
so untung tahun pertama = RM8000
kalo 5 tahun = RM 40,000


so (untung ASB) tolak (bayar bank selama 5 tahun) =
40000 - 23220 = RM16780

betui ka ?? otai sekalian .. nasihat
itu secara kasar..

nak halus lagi....

2nd year duit loan tadi x0.08...
3rd year campurkan duit tadi + duit loan tadi x 0.08...
4th year campurkan duit tadi + duit loan tadi x 0.08...
5th year campurkan duit tadi + duit loan tadi x 0.08...

baru dapat duit dividen tanpa diusik...

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- Surah Yusuf ayat 12

Tak kira apa pon yang berlaku... apa masalah menimpa pon...
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  #22  
Old 30-12-2009, 09:04 AM
powerbiz powerbiz is offline
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RHB easy 5 tahun pertama just bayar interest rate je kan?so kalau loan 50,000...just byr +-rm180 jer.
Tp aku baca kat forum2...loan ASB tak dihalalkan...ada komen tak?
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  #23  
Old 30-12-2009, 10:28 AM
gold_minded gold_minded is offline
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Quote:
Originally Posted by FaridZainol View Post
Hehe sebab Easy RHB just bagi max ASB loan 100k je bro...Saya plan pn cuma nk bayar 5 tahun pertama je = RM387.00. Then surrender, total dividen selama 5 tahun tu baru nk bwat OD lpas tu. Mcm mana rasa plan tu ok ke idok?
personaly... mahal la bro.... rm387 just interest je tu... compare dgn bank rimau.. rate RHB ni mahal...

tapi kalau nak buat saving untuk berOD lagi 5 tahun... nampak berbaloi...

387x60 = 23220
div katekan 7% n bonus 1%
bro dah ade cash lebih kurang rm42,062.02pada awal tahun ke 6
itu kalau bro x usik duit dividen n peram dalam akaun asb bro la...
mcm simpan 387 sebulan dapat rm42,062.02 pada tahun ke 6 tu...

kalau lebih rasa selesa cmni.. teruskan bro... biar lambat asal selamat...
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  #24  
Old 30-12-2009, 11:44 AM
THX THX is offline
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Quote:
Originally Posted by powerbiz View Post
RHB easy 5 tahun pertama just bayar interest rate je kan?so kalau loan 50,000...just byr +-rm180 jer.
Tp aku baca kat forum2...loan ASB tak dihalalkan...ada komen tak?
kena tengok interest rate rhb nih, BLR - 1%.
cam biasa, BLR turun naik so pastikan cashflow ada ruang utk support. Kalau terminate awal sebelum dapat dividen, for sure duit burn gitu saja nih

namer pun loan convensional, pepaham jer lar
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  #25  
Old 31-12-2009, 08:28 AM
FaridZainol FaridZainol is offline
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Tulah...plan saya mmg 5 tahun jer lpas tu terminate. Duit dividen yg diperam tu baru bwat OD lpas tu. Awal2 ni nampak mcm lambat sikit la...
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  #26  
Old 31-12-2009, 08:42 AM
PuTRa78 PuTRa78 is offline
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baloi nih..
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  #27  
Old 31-12-2009, 08:49 AM
sedanfx sedanfx is offline
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aku ada buat dgn maybank 100k
bulanan rm611 20thn


611 x 12 = rm7332 kena bayar setahun.
kalo bonus asb 8% , rm8000 lepas ler...

sape nk buat loan asb,xde slip gaji pun blh.
call aku punya kawan Zul maybank 0139783103
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  #28  
Old 02-01-2010, 04:58 PM
vc0r3 vc0r3 is offline
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Quote:
Originally Posted by neceolite View Post
betul ke aku kira ni

Rm387 x 12 bulan = RM 4644

RM4644 (setahun) x 5 tahun = RM23220

=========================

Untung ASB
let say - setahun 8%
so untung tahun pertama = RM8000
kalo 5 tahun = RM 40,000

so (untung ASB) tolak (bayar bank selama 5 tahun) =
40000 - 23220 = RM16780

betui ka ?? otai sekalian .. nasihat
Dengan menganggap awak tidak mengeluarkan dividend setiap hujung tahun, maka awak akan ada RM 46,932.81 pada tahun lima

ATAU

Dengan menyimpan sendiri sebanyak RM 387 selama 5 tahun (60bulan) dan mengambil kira dividend adalah sama iaitu 8% setahun, maka awak akan ada RM 28,425.09 pada tahun kelima.

Mana lagi untung agak agak?
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  #29  
Old 02-01-2010, 05:34 PM
eusahawan eusahawan is offline
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rugi jika buat loan ASB rm100k dalam 1 sijil .....

tapi kalau buat 2 sijil ...ok

contoh :

sijil 1 = loan rm20k
sijil 2 = loan rm80k

total = rm100k ....

tahun pertama = rm100k x 7% = rm7k (jangan usik duit ni...)
tahun kedua = rm107k x 7% = rm15k (tambah rm4k ++ ... dah boleh cover sijil 1)

lepas tu bayar sijil 2 je .....


p/s : kalau boleh buat 5 sijil .... ?
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  #30  
Old 02-01-2010, 07:03 PM
ajib_boy ajib_boy is offline
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Quote:
Originally Posted by sedanfx View Post
aku ada buat dgn maybank 100k
bulanan rm611 20thn


611 x 12 = rm7332 kena bayar setahun.
kalo bonus asb 8% , rm8000 lepas ler...

sape nk buat loan asb,xde slip gaji pun blh.
call aku punya kawan Zul maybank 0139783103

kalau RHB 100K, bulanan 609 utk 20tahun..maybank lebih cikit dr RHB..lebih RM2 cikit..huhu..
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