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View Poll Results: Adakah ASB Loan cara paling selamat untuk mendapatkan pulangan yang tinggi.
Setuju 619 56.58%
Tidak setuju 198 18.10%
Tidak tahu 277 25.32%
Voters: 1094. You may not vote on this poll

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  #51  
Old 06-02-2010, 02:14 PM
aidiryatim aidiryatim is offline
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more trick please,

berdasarkan gambar di bawah , mohon terangkn detail perkara2 berikut:
1) dividen utk loan di bawah di kira dari bulan berapa?
2) sekiranya cancel loan lepas 2 thn, brp anggaran baki premium insurans yg diperolehi?
3) mengapa ada interest charge pada 31 jan?

penyata di bawah utk loan pada 2009.
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  #52  
Old 06-02-2010, 03:25 PM
wan12345 wan12345 is offline
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aku pun buat gak loan asb...
mmg ramai yg kata rugi,bank yg tibai intrest...tapi bagi aku cara nie lah
nk menyimpang duit bagi yg x reti menyimpan duit...
walaupun ramai yg kata unit trust lebih menguntungkan...
tapi aku pun ader pam skit dlm unit trust...
tapi 2 tahun tgk untung br 4% sj...
klu asb aku paling busuk pun dh 14%...
jadi bagi aku kena pandai mebur untuk masa depan...
bersakit-sakit dahulu....
nanti kemudian senang lah skit hehehee
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  #53  
Old 06-02-2010, 03:26 PM
cdan cdan is offline
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Quote:
Originally Posted by mdhazrin View Post
bagus cadangan TT..,tahun pertama je sakit, pastu dpt dividen je tiap2 tahun..
kalau nak kurang sakit(bayaran rendah)...
bayaran 5 tahun(short term)...
buat loan ASB dgn EasyRHB
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  #54  
Old 06-02-2010, 03:32 PM
cdan cdan is offline
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Quote:
Originally Posted by Harimau_kumbang View Post
Aku dah buat.. 2 tahun lepas.. rm25k. cuma aku kene topap sket utk byr lumpsum setahun..
ini tempuh bayaran balik pendek kot...
pilih tempuh bayaran panjang, div ASB dpt cover monthly payment...
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  #55  
Old 06-02-2010, 03:42 PM
warok232 warok232 is offline
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klu pnjg sgt...
cm borink plak nk mmbyrnya...
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  #56  
Old 06-02-2010, 03:46 PM
cdan cdan is offline
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RM1070/bln x 12 bln = RM12,840 <- simpan dlm ASB atau sudah mempunyai simpanan
apply loan ASB RM200K
bayaran bulanan RM1070 <- dibayar dgn simpanan ASB
div ASB 7% x RM200K = RM14K <- buat bayaran ansuran tahun berikutnya

# bayaran tahun pertama dari wang simpanan ASB
# bayaran tahun berikutnya dari div ASB

ini pun trick juga kot...

p/s: ini contoh RM200K
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  #57  
Old 06-02-2010, 03:52 PM
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Quote:
Originally Posted by warok232 View Post
klu pnjg sgt...
cm borink plak nk mmbyrnya...
tempuh bayaran pendek - monthly payment tinggi, div ASB tak dapat cover
tempuh bayaran panjang - monthly rendah, dapat cover dgn div ASB
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  #58  
Old 06-02-2010, 04:05 PM
astrowan astrowan is offline
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huhuhuh

bgus thread ni

kasi lagi kasi lagi

aku zero langsung
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  #59  
Old 06-02-2010, 04:15 PM
warok232 warok232 is offline
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bro cdan,ada idea x tuk bwat trick loan asb ngn emas....
ajar la ckit..
hamba bdk bru blaja..
tq
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  #60  
Old 06-02-2010, 04:37 PM
StaRz_V StaRz_V is offline
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Quote:
Originally Posted by the_derhaka_student View Post
mmg menarik giler, mmg rugi sapa x buat.

jgn anggap sy buat sale lak kt cni, cume nk tlg kaum bumiputra buat saving jer.

klu nk buat sale, baik sy market credit card, personal loan atau insurance jer hehehe......
haa.. btul2.. aku pn xwat sume tue.. aku cume wat ASB loan n personal financing jer.. kalo ASB Loan tue ntk tlg bumiputra aku nyer personal financing ntk tlg sume kaum.. open ntk fresh loan / overlap / refinancing.. ape2 leh kontek aku thru email yer.. xleh nk dedahkan no merate2.. hehe..

P/s: n kalo nk khidmat nasihat pn leh gak.. atau sembang2 strategi.. aku suke dgr teori2 dr yg len gak.. especially psl financial management n strategy.. nie sumthing yg x di ajar kt oxford mahupn harvard.. haha..
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