Beza terminate Loan ASB 1 tahun dgn 2 tahun.

Beza terminate Loan ASB 1 tahun dgn 2 tahun

Loan ASB 150k
23 tahun
Insuran 7.5k
5.2% interest

Option 1: Terminate 24 bulan
Option 2: Terminate setiap 12 bulan (2kali terminate dlm 24 bulan)

Kita kira beza 2 option ni dr modal vs hasil:

Modal: yuran + ansuran bulanan 24 bulan
Hasil: Jumlah 6 hasil Loan ASB

a. Dividen Sijil 
b. Bonus Sijil
c. Hasil Terminate Loan ASB
d. Hasil Terminate Insuran
e. Dividen modal pusingan
f. Bonus modal pusingan

Kita fokus pd c & d shj dulu ye.

Hasil Option 1:

c. rujuk jadual: defisit RM6.38
d. 70%×7,500=RM5,250

Jumlah c+d=RM5,243.62
(purata utk 12 bulan=RM2,621.81)

Hasil Option 2:

c. rujuk jadual: defisit RM3,850.37
d. 75%x7,500=RM5,625

Jumlah c+d= 1,774.63
(utk 2x terminate =RM3,549.26)

Modal:

RM979.45x12=RM11,753.40 setahun
Yuran RM70 per loan

Option 1: RM11,788.40 setahun
Option 2:RM11,823.40 setahun

ROI tahunan dgn kira hasil c&d shj:

Option 1: 2,621.81/11,788.40=22.2%
Option 2: 1,774.63/11,823.40=15.0%

Kalau aku sabar tunggu 24bulan br terminate then i will get 22%.
Since ada plan B i decided to accept 15%. (Ini kes loan ASB veteran. Kalau org muda lg tinggi ROI nya. Dan ni bkm kira hasil a,b,e & f)
Kita yg tau apa matlamat kita. Jd apa pilihan anda? Terminate 12bln @ 24bln?