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  #16331  
Old 04-03-2013, 02:52 PM
raywanji raywanji is offline
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ade tak sape2 kat sini dah buat loan 400k dalam 1 buku?nak minta pencerahan..
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  #16332  
Old 04-03-2013, 08:43 PM
ard_deep ard_deep is offline
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sy x paham disini.
LASB 45k.
harga jualan 128,143.98.
ikat 25 tahun.
byr rm260/month.

25tahun x 12 = 300 bulan
rm260 x 300 bulan = 78000.

so, ape maksud harga jualan tu?? smpai beratus ribu plak..
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  #16333  
Old 04-03-2013, 10:51 PM
Alcapone9950 Alcapone9950 is offline
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Quote:
Originally Posted by ard_deep View Post
sy x paham disini.
LASB 45k.
harga jualan 128,143.98.
ikat 25 tahun.
byr rm260/month.

25tahun x 12 = 300 bulan
rm260 x 300 bulan = 78000.

so, ape maksud harga jualan tu?? smpai beratus ribu plak..
harga jualan dikira berdasarkan interest BLR+4%.
78k yg ko kira tu if BLR Xberubah langsung sampai tamat loan 25y.

Jika BLR turun.. Ko akan bayar less than 78k.
Jika BLR naik.. Ko akan bayar not more than harga jualan.

Tapi Xperlu bayar sampai 128k tu.. if dividen ASB pun less than 10%.. Just terminate je jika guna teknik 2 tuan ikeda.
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  #16334  
Old 05-03-2013, 12:26 AM
ard_deep ard_deep is offline
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so tahun ni BLR 6.60% - 1.65% (maybank) = 4.95% je lah kan?
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  #16335  
Old 05-03-2013, 10:02 AM
mania21268 mania21268 is offline
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aslm tn ikeda..nak tanya pendapatlah..saya mempunyai modal 10k..teknik yang mana agaknya dapat memberi ROI yang tinggi kalau saya buat LASB nie..berapa agaknya jumlah LASB yg sesuai dengan modal yang saya ada tu
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  #16336  
Old 05-03-2013, 10:31 AM
Alcapone9950 Alcapone9950 is offline
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Quote:
Originally Posted by ard_deep View Post
so tahun ni BLR 6.60% - 1.65% (maybank) = 4.95% je lah kan?
Betul.. jadi kalau LASB 45k with interest 4.95%.. daily interest is RM6.10..
Kalau dividen ASB tahun ni 7%.. daily dividen is RM8.60..
So UNTUNG DIVIDEN saja dah dapat RM2.50 sehari.. sape nak bagi kan

Cuba la buat kira2 sendiri.. nescaya akan lebih faham
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  #16337  
Old 05-03-2013, 10:36 AM
cik idah cik idah is offline
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salam..sy nak tanya sy da wt lasb 35k da masuk 3 thun da tolak kat gaji sy..skg sy wt tambahan 100k pade bulan 1 aritu dan kemungkinan lasb sy diluluskan dan dimasukan dlm bulan 4..patutkah sy terminate kan lasb 35 k tu yg 3thn sy da wt..ade untung x..hihihi..
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  #16338  
Old 05-03-2013, 10:59 AM
Alcapone9950 Alcapone9950 is offline
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Quote:
Originally Posted by cik idah View Post
salam..sy nak tanya sy da wt lasb 35k da masuk 3 thun da tolak kat gaji sy..skg sy wt tambahan 100k pade bulan 1 aritu dan kemungkinan lasb sy diluluskan dan dimasukan dlm bulan 4..patutkah sy terminate kan lasb 35 k tu yg 3thn sy da wt..ade untung x..hihihi..
Yg LASB 35k dah molek sgt la nak terminate tu..
sbb use teknik 1, ROI dah decrease.

Kalau dividen ASB yg 3tahun tu belum usik lagi la molek..
Terminate & buat lagi satu new LASB to max ASB limit
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  #16339  
Old 05-03-2013, 03:55 PM
acexii acexii is offline
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Just want to share:

EZ Financial Calculators (IOS / Android / Window phone)

App yg lengkap untuk pengiraan asb loan, dividend (compound lagi). Sangat berguna.
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  #16340  
Old 05-03-2013, 10:14 PM

 
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salam semua ,
saya harituh ada buat online loan asb application
dia call tanya itu ini so dia kata rm30k loan layak
since saya student + buat bisnes online
tapi dah 2 bulan ta provide document . hehe
bukan apa busy skit ngan study + bisnes
so sekarang nie masalahnya na upgrade loan dr 30k tuh ke 50k
sebab tgk rezeki sejak 3-4 bulan lepas dah mula stabil
so agak2 pendapat otai di sini lepas ke ta ea ?
harituh dia kata loan rm30k tuh bule sangat dapat
since saya student dgn fixed income rm500
tapi sejak income dah steady naik and stabil , agak2 lepas ke utk rm50k ?
ada pengalaman atau nasihat ?
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