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Reply 170# 220796
boleh kot nak mintak yg maybank islamic punye sebab masa tanya aritu officer maybank cakap nak konventrional leh, islamic pun leh..terpulang pada sipeminjam..rate same je cuma islamic punya dia ade cap blr at berapa percent tah..pastu no commitment fees... |
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Post Last Edit by 220796 at 16-4-2010 14:59
Reply 171# yus262
yg bawah ni kot....tp baru smlm officer tu call sy ckp ASB cert against OD ni bukan Murahabah.....fenin2...mane 1 betoi ni? jap tadi officer tu call lg mmg betul minimum cert adalah rm12k & loan OD RM10,800....
Murabahah Cash Line Facility-iA Shariah-compliant financing for working capital requirements, personal consumption, or purchase of assets or properties
Financing tenure:
3, 6, 9, 12 months up to a max of 5 years
Features - Based on the principle of Murabahah (sale and purchase contract)
- No commitment fee on unutilised amount
- Maximum financing period for particular ceiling rate is 5 years. Profit rate will be subject to periodical review
- Profit rate is at par with the Conventional OD rate
- Protection against rise in BLR by a fixed ceiling rate
- Third party financing is allowed
Scope - For working capital requirements
- For personal consumption
- For purchase of assets/properties
Who can apply - Muslim and non-Muslim individuals or joint account holders
- Companies incorporated under the Companies Act
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Salam Saudara Saudari..
Saya Fahmi boleh pggl amie.Sy buat biz MSI (Multiply Source Income) bersama Unstoppable Team.Mgkin ade yg pnh dgr kt sini.Ok sy nk intro skit psl Unstoppable dkt sini,bg yg mgkin bertanggapan buruk sy minta baca atau perdgrkan dlu b4 judge.Ini 1 PELUANG yg sy nk kongsikan bersama saudara saudari..
Ok Unstoppable merupakan 1 komuniti yg bersama2 menuju ke arah 1 tujuan,iaitu "KEBEBASAN KEWANGAN SEUMUR".Yg mne Unstoppable merupakan komuniti yg mmbimbing kite mnjadi STRIKER bkn lg DEFENDER.Mane mgkin MENANG dlm team bola klu asek berthn je,asek2 ckup mkn tp xtaw ade harta karun yg tersimpan sbnrnye tuan2.Utk jd STRIKER ni perlukan SKILLS+TEKNIK je la.
Mgkin smue org da sedia maklum dlm dunia ni ade 2 jenis income iaitu AKTIV & PASIF..AKTIV=berlari dlu bru dpt duit..PASIF=dlm tido pn boleh dpt duit.Tp Unstoppable lebih memandang kearah PASIF income xnk kite risau2 psl dunia ni lg.Sgtlah rugi klu kite hanye ade AKTIV income dan sgtlah malang klu kite xde PASIF income. Antara kegiatan UNSTOPPABLE ini adalah menggunakan medium Internet sebagai base platform perniagaan e-networking + e-commerce,menghala kepada bidang Properties dan sentiasa berkembang dari masa ke semasa.Unstoppable mmberi PELUANG kpd kite utk bersara pd usia muda,kaya pd usia muda dan bebas masa dan kewangan !!!! Unstoppable dah mempunyai 40,000 ahli,smuanya berhenti kerja slps 2-3 bln buat Unstoppable.
Ok dipendekkan citelah sng..Unstoppable ade SKILLS & TEKNIK bagaimana nak penuhkan ASB RM200K at least dlm 6bln..RM200K x 30% = RM60k setahun = RM5k sbln..Klu cerdik kite buat 2 account ASB..bermakna RM400K x 30% = RM120k setahun = RM10k sbln..hmm klu 15-20 thn kite simpan,agak2 sedara cmne?Ini kelebihan Unstoppable Team.Jdi vision Unstoppable bknlah hanye buat bisness tp tujuannya juga utk memberi Ilmu-ilmu yg manfaat buat ahli-ahlinya.
Tp SKILLS & TEKNIK ni hanye utk ahli Unstoppable je..Bg yg btol2 nak kan KEBEBASAN KEWANGAN SEUMUR HIDUP..atau dah xtahan dgn majikan dan sbgainye..boleh add sy di FaceBook ( amie toww ) = [email protected] just leave ur name,hp no & location to my facebook inbox..
Nothing Imposible If You Are Unstoppable !!!
One For All & All For One !!!
Thanks You.. |
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Salam Saudara Saudari..
Saya Fahmi boleh pggl amie.Sy buat biz MSI (Multiply Source Income) bersama Unstoppable Team.Mgkin ade yg pnh dgr kt sini.Ok sy nk intro skit psl Unstoppable dkt sini,bg yg mgkin bertanggapan buruk sy minta baca atau perdgrkan dlu b4 judge.Ini 1 PELUANG yg sy nk kongsikan bersama saudara saudari..
Ok Unstoppable merupakan 1 komuniti yg bersama2 menuju ke arah 1 tujuan,iaitu "KEBEBASAN KEWANGAN SEUMUR".Yg mne Unstoppable merupakan komuniti yg mmbimbing kite mnjadi STRIKER bkn lg DEFENDER.Mane mgkin MENANG dlm team bola klu asek berthn je,asek2 ckup mkn tp xtaw ade harta karun yg tersimpan sbnrnye tuan2.Utk jd STRIKER ni perlukan SKILLS+TEKNIK je la.
Mgkin smue org da sedia maklum dlm dunia ni ade 2 jenis income iaitu AKTIV & PASIF..AKTIV=berlari dlu bru dpt duit..PASIF=dlm tido pn boleh dpt duit.Tp Unstoppable lebih memandang kearah PASIF income xnk kite risau2 psl dunia ni lg.Sgtlah rugi klu kite hanye ade AKTIV income dan sgtlah malang klu kite xde PASIF income. Antara kegiatan UNSTOPPABLE ini adalah menggunakan medium Internet sebagai base platform perniagaan e-networking + e-commerce,menghala kepada bidang Properties dan sentiasa berkembang dari masa ke semasa.Unstoppable mmberi PELUANG kpd kite utk bersara pd usia muda,kaya pd usia muda dan bebas masa dan kewangan !!!! Unstoppable dah mempunyai 40,000 ahli,smuanya berhenti kerja slps 2-3 bln buat Unstoppable.
Ok dipendekkan citelah sng..Unstoppable ade SKILLS & TEKNIK bagaimana nak penuhkan ASB RM200K at least dlm 6bln..RM200K x 30% = RM60k setahun = RM5k sbln..Klu cerdik kite buat 2 account ASB..bermakna RM400K x 30% = RM120k setahun = RM10k sbln..hmm klu 15-20 thn kite simpan,agak2 sedara cmne?Ini kelebihan Unstoppable Team.Jdi vision Unstoppable bknlah hanye buat bisness tp tujuannya juga utk memberi Ilmu-ilmu yg manfaat buat ahli-ahlinya.
Tp SKILLS & TEKNIK ni hanye utk ahli Unstoppable je..Bg yg btol2 nak kan KEBEBASAN KEWANGAN SEUMUR HIDUP..atau dah xtahan dgn majikan dan sbgainye..boleh add sy di FaceBook ( amie toww ) = [email protected] just leave ur name,hp no & location to my facebook inbox..
Nothing Imposible If You Are Unstoppable !!!
One For All & All For One !!!
Thanks You.. |
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kite up kan thread ni.......tadi dh gi sijilkan asb pstu dh isi form, sign agreement tuk apply OD kat RHB bank...RHB offer 95% OD loan compare to MBB 90% je...interest rate MBB 5.80% tp RHB 5.05%.....within 3 weeks approve la..... |
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kite up kan thread ni.......tadi dh gi sijilkan asb pstu dh isi form, sign agreement tuk apply OD ka ...
220796 Post at 8-6-2010 23:31 
akak nomot amik yang murabahah tu ke |
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Reply 176# al-asil
tak..murabahah tu kat maybank je ada.... |
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Melabur Secara Bulanan atau Meminjam Untuk Skim ASB? (CARI DUIT)Posted on June 6, 2007
Filed Under Financing Your Wedding
Share
TODAY, I would like to talk about FINANCIAL PLANNING. It抯 something that affects everyone抯 lives. What you do now can have wide range and long term implications in the future. There are a lot of books of personal finance management such as those by Robert Kiyosaki (Rich Dad Poor Dad and Cashflow Quadrant) and we also have local Gurus in this field such as Azizi Ali who himself has become a millionaire from an astute wealth management. Azizi Ali, MBA, Ch. Fin. Planner has produced a couple of books on finance management such as Millionaire Landlord etc.
AZIZI ALI扴 BOOKS COLLECTION
My focus here today is to share with some burning questions that people have with AMANAH SAHAM NASIONAL (ASB) i.e. to invest straight into the scheme through monthly wage cuts or take out an ASB loan. Let me put it in another way, is it better to put in, RM500 monthly into ASB a/c or to make RM500 loan instalment on say RM50,000 ASB loan? The answer is simple, as long as you have a good margin spread between the cost of borrowing and the return, go ahead and borrow the money. After all, it抯 the basis of all investment decisions in the purchase of property for investments or any other investments for that matter. But can we actually make money through this way with ASB? ASB, Boleh?
In the current interest rate environment, the answer from me is the AGAIN, will be based on the margin spread. Untuk betul-betul CARI DUIT anda perlu pandai merancang bagaimana BOLEH BUAT DUIT dan juga CONSIDER ALL RISKS Jika tidak anda akan kehilangan DUIT anda. Let抯 look at my case study below:
Being a fussy accountant and financial planner myself, I naturally did up a special spreadsheet in Excel to compare the returns from savings consistently with the returns from borrowing for ASB. Assuming that I am saving the same amount of money every month that I pay for my loan instalments, I started to chart out the return mechanics. On interest rates, after some shopping around I have found RHB抯 ASB LOAN scheme to be the best deal:
First 3 years: BLR -1.00%
The rest of the years: BLR-1.25%
Processing Fee: RM30
Taking ASB Dividend Rates as declared last year:
Dividend: 7.30%
Bonus: 1.25%
Let抯 say we take out RM 50,000 loan, with 10 year-loan period, with monthly instalment of RM549. Here is what I found out:
SAVINGS MONTHLY CONSISTENTLY
ENDING BALANCE: RM 98,350.50
TAKING OUT A LOAN/PINJAM DUIT UNTUK ASB
This involves both INFLOWS (Through Capital Appreciation and Dividend+Bonus Payments) and OUTFLOWS (Loan Installment Payments including interests+Processing Fees+Loan Insurance).
General rule of thumb is that if INFLOWS is greater than OUTFLOWS then you will be making on the investment (on borrowing per se).
Here抯 what I found out:
Net Inflow is Positive After Deducting all the Transaction Expenses - Good!
ENDING BALANCE: RM 101,255.73
So, you are better off by taking out loan by RM2,475.23 (RM 2,905.23 margin less Processing Fees and Loan Insurance Premium). Good isn抰 it? You pay the similar amount monthly to the bank to the amount you save every month over the same number of years and you end up with a better ending balance in your ASB a/c. Cun kan..hehe..So you are better off taking out the loan.
What if the dividend granted is much higher, thus the margin spread is higher? Say dividend becomes 8.5%? Well from my worksheet, the amount of margin difference with conventional savings is a lot higher at a whopping RM 7,997.98.
Downside:
But if the Government chooses to declare dividend below or close to your ASB loan rate? Tough厃ou could end up losing some money on the loan transaction.
Also, the above ending balance assumes that you NEVER EVER take out your ASB dividend at any point in time over the loan period. If this happens, you won抰 be able to get the return or ending balance as stated above. Ni sesetengah orang kita kononnya nampak duit dividen banyak, mulalah nak berbelanja tak tentu pasal, modify keta lah, sambung rumahlah etc.. DON扵 BE STUPID! If this happens, you are better off going through the SAVINGS route, kerana anda akan menguntungkan pihak bank sahaja! Duit untuk simpanan hari tua! The spreadsheet that I use to make the above calculation is attached ASB LOAN CALCULATOR HERE
sumber dari: http://syokkahwin.com/blog/2007/06/06/cari-duit-melabur-atau-meminjam-untuk-asb-invest-or-to-take-out-loan-cara-mengira-bonus-dividen-asb/ |
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nasihat dari orang yg buat duit dengan menyimpan gila2 dan buat duit melalui buku dan seminar  |
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ok loan OD dah approved....rm14,250....nnti nak withdraw msuk ASB & byar hutang :re: |
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OD ASB dah xleh buat start july ni huuuuu...
ade alternatif lain x? otai2 pls... tulunnn |
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Reply 181# 1n2o1r
ye ke? sib baik sy smpt....OD sy approve end of jun....tp last year pon cmni gak...PNB bekukan buat sementara wktu.....pstu nnti dia bukak balik kot.....juz wait...... |
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od asb dah di 'hold' kan ...? |
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Reply 11# cucusaddam
bukan di'hold'...
ODASB dan ODASW sudah tidak dibenarkan untuk individu..hanya untuk syarikat shj..maknanya kalau nak buat jugak kene set up co dan register dgn ROC kot.....kalau sebelum ni bank leh bagi 90%-95% margin,sekarang tidak lagi..maybe 60% margin shj... |
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Reply 12# yus262
sib baik sy cepat gak....sign agreement OD 8 jun...duit OD msuk end of jun...july mmg dh tak boleh....huhuhu! PNB sedar makin ramai org guna OPM...& amat untung guna kaedah ASB cert vs OD tu.....syg, sy cuma dpt buat 15k je....huhuhu! |
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Reply 13# 220796
oo,duit dah masuk la ni kan...sakan tu...hehe
saya buat 28jun..memang last day sesangat la tu...
ni tgh tunggu duit masuk je nie... |
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Reply 14# yus262
lambat tau...lsp hmpir sebulan lps sign agreement baru duit msuk.... |
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Reply 16# yus262
congrats! gunakan dgn sebaik mgkin....hehehehehe! |
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Reply 17# 220796
yeah...thanks...first nak gi penuhkan bank persatuan... |
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Category: Belia & Informasi
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Post time 16-4-2010 02:07 PM
