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  #8401  
Old 22-07-2012, 06:34 AM
Fahmiyafeii Fahmiyafeii is offline
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Quote:
Originally Posted by ikeda View Post
Teknik 5. Asb financing to buy car/goods

Teknik ini diguna pakai sebagai batu loncatan untuk kita memiliki sesuatu barang seperti Kereta.
Kita bahagi kepada dua jenis.

1)ASB Financing certain period and make a payment cash to desire vehicle.

Item ini lebih menggunakan pendekatan teknik 1, teknik 3, dan teknik 4,
Maksudnya apabila sampai tempoh 2 tahun or 3 tahun kita terminate loan ASB kita akan dapat cash dan buat payment cash kepada kereta idaman kita..So anda membeli kereta cash lah,,anda dapat slashkan monthly komitment kepada mesin yang suatu hari nanti akan rosak dan tidak bernilai..
Details anda boleh refer teknik 1, 3, 4...

2)ASB LOAN vs CAR FINANCING.

Berkenaan dengan car loan financing anda kena faham pengiraan interest dia bukan style interest x baki loan..tetapi adalah interest x jumlah pinjaman x tenure..Lihatlah betapa kejamnya pengiraan interest mereka..
So disebabkan pengiraan ini kebanyakkan bank mengamalkan discount sekiranya fullsetlement kita lakukan. Namun pengiraan tersebut saya x tahu details. Apa yang saya tahu bank mengamalkan diskaun apabila kita buat full setlemnt.

Teknik ini menceritakan si A akan membuat loan ASB setara dengan payment bulanan kereta beliau.
Contoh target kereta Myvi monthly 500 nak beli tahun hadapan
Maka dia membuat loan ASB 100K monthly 580 pada tahun ini dan layan sampai ujung tahun.
Tahun kedua dia membayar asb loan 580 macam biasa,,cuma installment kereta beliau dibayar oleh pendapatan dividen ASB tahun lepas.Dan dia melayan kaedah ini sampai masa tertentu beliau mempuyai pilihan samada untuk trade-in or untuk full setlement.

So pengiraan dibawah ini saya mengambil kira contoh kawan saya untuk full setlement Myvi STD Manual dia.
Nilai nilai ini adalah value actual according to monthly payment and source from bank muammalat for full setlement.
Please refer table tersebut.
yang ni saya kurang paham... sesapa bole buat ringkasan x??
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  #8402  
Old 22-07-2012, 06:54 AM
kentzige bruang kentzige bruang is offline
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Quote:
Originally Posted by Fahmiyafeii View Post
yang ni saya kurang paham... sesapa bole buat ringkasan x??
sy pon mcm awk jugak sebelom ni. sy cuba bantu skit ye.

1stly, apa yg awak paham? mungkin awak keliru sedikit je kot. basic loan ASB awak faham kan? dr loan ASB awk dpt generate duit kan? cuma duit tu je awk guna utk apa.

for this case, basically awk dpt kereta dgn modal yg sgt kecil. sy sedang praktikkan teknik ni utk kereta cefiro 3.0 32k. paling lemau 9 tahun kereta ni mcm dpt free dgn 50k yg sy serve. paying 300 mthly. modal asal cuma 3600.
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  #8403  
Old 22-07-2012, 09:03 AM
hyrulxxx hyrulxxx is offline
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Quote:
Originally Posted by Fahmiyafeii View Post
yang teknik loan asb utk kereta tu mcm ne?sape bole bagi ringkasan... plz...
contoh nk beli myvi

harga = 46000..
deposit 10% = 4600
intrest = 2.7% peryear
tenure = 9 taun (108) bulan...

so 46000-4600 = 41400
41400 x 2.7% = 1117.8
1117.8 x 9 taun = 10060.20
10060.20 + 41400 = 51460.20
51460 / 108 = 476.48 per month..

macam mana teknik asb ni bole membantu... plz share...
Quote:
Originally Posted by Ran View Post
Kpd mr achik n otai sekalian..cam menarik lak teknik byr keta ngn duit lasb nih..aku dh 3 thn buat lasb nih..total 200k dh ckup dlm acc..cuma nk tahu lbih jelas cmne tuan2 buat byr keta guna duit lasb ni..hamba xnmpk lg..mklumlh matematik dlu failed..haha..klu sudi kiranya tuan2 ajarkan hamba di buln yg mulia ni..amatlah hamba brterima kasih..heheh..keta bulan2 byr 660, lasb bulan2 byr 795..camne nk buat teknik ni yer..mknanya duit kita xusik ke..hmm..InsyaAllah thn depan bulih praktik teknik yg tuan2 ajar ni..trma ksh..



juga di sini

http://matkedah.com/blog/2011/04/30/...ta-dengan-asb/


yg dg dari thread ni jugak


p/s mat kedah , kalau tak suka link hang kat sini ,PM aku utk

delete ye ...
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  #8404  
Old 22-07-2012, 09:27 AM
potsmoker potsmoker is offline
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Quote:
Originally Posted by hyrulxxx View Post
juga di sini

http://matkedah.com/blog/2011/04/30/...ta-dengan-asb/


yg dg dari thread ni jugak


p/s mat kedah , kalau tak suka link hang kat sini ,PM aku utk

delete ye ...
Bgw teknik ni
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  #8405  
Old 22-07-2012, 10:30 AM
mr achik mr achik is offline
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Katani & lantoi bleh check email, saya dah fwd pada tuan.
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  #8406  
Old 22-07-2012, 04:01 PM
Remaja_Purba Remaja_Purba is offline
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Quote:
Originally Posted by mr achik View Post
Kepada farhansz, dyiaas, Remaja_Purba, homiezstar, powetzs & atankok. Boleh check email masing masing. Saya dah send. Kalau x de dlm inbox, boleh check dlm spam folder.
Email received.....Many thanks to mr achik.
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  #8407  
Old 22-07-2012, 05:33 PM
utc utc is offline
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salam ...sy ada cancel loan abs 100k sy setelah 2 taun(24bln).(buat loan bln 5 2010 cancel bln 5 2012)...br2 ni tgk rm1300 lbh dlm akaun.dpt xmcm formula excel yg dlm thread ni pn?ke akn dpt lg kmudian?
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  #8408  
Old 22-07-2012, 05:43 PM
fizzy86 fizzy86 is offline
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Quote:
Originally Posted by hyrulxxx View Post
lasb

katakan buat lasb pada jan 2011


,int = blr-1.65 =4.95 ,ikat 25 thn ... loan = 100k( anggaran shj )

lasb + ins = 100k + 4k = 104k ( anggaran shj )


so monthly lasb = 605 ( anggaran shj )


layan lasb tu sampai setahun tanpa babas ,, bila januari 2012,

bro dapat dividen asb,katakan 8% .. so divi = 100k x 8% = 8k,,,

8k bahagi 12 = 666.66 kan ?

duit tu biar shj dlm buku asb jgn gatai2 usik ,,

then pi beli keta,,let say ...


loan = 46000-4600 = 41400

monthly = {{ {(2.7/100^41400) x 9 ** + 41400 **** bahagi 108


= 476.48 ... katakan bro beli keta tu 0 dwnpayment,,

so bro tak keluarkan lg 1 sen duit poket kan ?...


katakan 1st payment ialah 1 feb 2012 (( lg cun kalau dapat adjus

due date ke 3 / 4 hb lg best .. so pi la byr lasb tu kat bank

dan pada masa yg sama keluarkan 476.48 ( ngam2 jgn lebih@

kurang ) dari buku asb anda ... so adjust la simulasi ini

sesedap rasa ... kereta ka rumah ka pun boleh guna style ni




aku pun dah pening





laaa ,, awat tak boleh pulak .laaaa ..kan aku dan mr achik suruh buat loan dulu. (...


nak buat loan selepas asb selepas loan keta pun boleh,,tp ko sakit laaa nak byr 2 2

benda sedangkan dividen tak dapat lg ....(4thn tak sure la ,, tp 6 thn boleh kot ,,,,

utk pengiraan ,, mintak otai tlg kira ,aku tak reti
mcm best je duit asb byr loan keter.... nak kna praktikn ni...
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  #8409  
Old 22-07-2012, 05:59 PM
SniperDebt SniperDebt is offline
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Quote:
Originally Posted by mr achik View Post
Katani & lantoi bleh check email, saya dah fwd pada tuan.
Bro achik, boleh tulun forward to wtkrfq@Gmail.com
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  #8410  
Old 22-07-2012, 06:39 PM
bapago bapago is offline
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Quote:
Originally Posted by mr achik View Post
Katani & lantoi bleh check email, saya dah fwd pada tuan.
Leh kongsi gak tak? tolong fwdkan jugak teringin bebeno nak gak. emailkan kat projuta@gmail.com
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