Tuesday 23 December 2014

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?

6 comments:

  1. Salam tuan.tumpang tanye.sy ade buat loan ASB rm50K bulan 6 2012.kalau sy nak terminate loan sy bulan 4 2015 ni berapa jumlah yg sy akan dapat?
    bole tunjukkan pengiraannye x?

    ReplyDelete
  2. Salam. tumpang tanya, pengiraan 'c' tu mcm mne? xphm.mcm mner defisit boleh jadi rm6.38...

    ReplyDelete
  3. Maksud nye disini, option 1 lagi masyukkk laa dari yang option 2, secara jujur laa, x gitu.?hu9

    ReplyDelete
    Replies
    1. Please kindly rujuk Teknik 11 yg br ditemui bln 4 2015. Ada dlm 2 post terkini.

      Delete
    2. Please kindly rujuk Teknik 11 yg br ditemui bln 4 2015. Ada dlm 2 post terkini.

      Delete
  4. boleh kirakan asb saya nk trminte..15k 25thn 38bln...brpe keuntungn sya

    ReplyDelete