Ramai orang tanya saya pasal benda ni... berikut ialah calculation saya.
Assumed Variables :
Keuntungan ASB = 7%
Package Bank = BLR - 1.75%
BLR = 5.55%
Calculated Monthly Basis = 7% / 12 = 0.58% (Non-Compounded Monthly, But Compounded Yearly)
Senario Bank ASB Loan.
ASB Loan = RM 200k.
Tahun = 20 Tahun
Bulanan = RM 1355
Senario Simpan Sendiri
Simpan Bulan-Bulan = RM 1355
Selepas 20 Tahun ...
Senario Bank ASB Loan.
Anda Dapat :
Total in Hand = RM 773,937
Tolak bayar bulan bulan = RM RM 325 200
So BERSIH sebenarnya = RM 448,737
BANK DAPAT :
Duit yg anda bayar bulan-bulan = RM 325 200
Senario Simpan Sendiri
Total inclusive 'COMPOUNDED INTEREST' = RM 1,216,983 !!!
(Tapi kena pakai 2 account sebab maximum own money cuma RM 200k per pelabur so:
Account 1 = RM 200k + Account 2 = RM 125,500 = RM 325,500 total own money)
Assumed Variables :
Keuntungan ASB = 7%
Package Bank = BLR - 1.75%
BLR = 5.55%
Calculated Monthly Basis = 7% / 12 = 0.58% (Non-Compounded Monthly, But Compounded Yearly)
Senario Bank ASB Loan.
ASB Loan = RM 200k.
Tahun = 20 Tahun
Bulanan = RM 1355
Senario Simpan Sendiri
Simpan Bulan-Bulan = RM 1355
Selepas 20 Tahun ...
Senario Bank ASB Loan.
Anda Dapat :
Total in Hand = RM 773,937
Tolak bayar bulan bulan = RM RM 325 200
So BERSIH sebenarnya = RM 448,737
BANK DAPAT :
Duit yg anda bayar bulan-bulan = RM 325 200
Senario Simpan Sendiri
Total inclusive 'COMPOUNDED INTEREST' = RM 1,216,983 !!!
(Tapi kena pakai 2 account sebab maximum own money cuma RM 200k per pelabur so:
Account 1 = RM 200k + Account 2 = RM 125,500 = RM 325,500 total own money)
