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yowa2 posted on 29-11-2012 03:51 PM 
saya suka analoji ini. beli & sewakan rumah. betul juga.
saya baru mohon rm150k loan ASB tengah ...
tengok bank - kalau cepat dia process & sempat masukkan duit kat akaun ASB before cut off date - the chance is there. Kalau x sempat pun - next year kira serve one complete year - So in 2014 - dapat le full dividen  |
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cmf_Juju posted on 27-11-2012 07:26 AM
Actually loan ASB nie u all boleh le assume cam loan rumah. Lepas tu rumah tu disewakan . Let say am ...
good anology.
another way that i cud think of is, amek personal loan 200k cash sesiap sumbat asb. i tgk ada bank yg offer personal loan 4.95% (lebe kurang asb rate ajek blr - 1.65%). amek loan tenure yg lebe kurang sama mcm asb loan say 200k, 25 yrs, monthly dlm 1100.
annual dividend ASB rolling bayar personal loan. the advantage is, u've got all the 200k cash in ur asb saving now, rather than to wait next 25 years to have that 200k materialise. how's that??
just throwing an idea....
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tina^^ posted on 30-11-2012 03:21 PM
good anology.
another way that i cud think of is, amek personal loan 200k cash sesiap sumbat as ...
tp you have to wait 25 years to use that 200k ..
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termignoni posted on 30-11-2012 04:42 PM
tp you have to wait 25 years to use that 200k ..
you mean the asb loan? yes indeed.
but personal loan, the moment you had your loan approved and credited into your account, you can have it instantly.
wic part yg funny??
dont find it funny though.
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tina^^ posted on 30-11-2012 03:21 PM
good anology.
another way that i cud think of is, amek personal loan 200k cash sesiap sumbat as ...
But, please be careful ya...even bank yg bagi personal loan tu stated that the rate is fixed 4.95%...you have to annualised it...normally this rate will convert to flat rate of 7.++%...please use google to find the calculator...
while asb loan use reducing rate methodology...the sooner and more u pay, the term will reduce...saya selalu bayar extra on top of SI yg bank tak fixkan setiap bulan...and asb loan ni boleh terminate bila bila masa provided takde lock in period la...mana tahu, just in case ade loan yg tak lepas ke dan asb loan ni kene terminate dulu...
kalau buat personal loan tu, kiraannya berbeda sikit ya...saya tak aman sikit dengan cara bank calculate personal loan tu...rasa mcm tinggi je...macam tak kurang kurang hutangnya...
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cmf_Juju posted on 30-11-2012 06:07 PM
yes, great idea tapi susah nak dapat personal loan with rate 4.5% for RM200K
rasanya lagi se ...
Yes...so true...tak semua bank bagi serendah tu...kalau bank ckp rate 4.5% per annum, itu bukanlah flat rate...mungkin boleh naik ke 7.++% kalau diconvert ke fixed rate...lucky me dapat facility dari my company for personal loan at 2.12% fixed rate....but, disadvantage coz the term only for 7 yrs...and the amount yg takde la banyak sangat...but, still i leverage this thing to top up my asb...
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yus262 posted on 30-11-2012 11:43 PM
Yes...so true...tak semua bank bagi serendah tu...kalau bank ckp rate 4.5% per annum, itu bukanlah ...
ya, ramai yang tertipu dengan konsep personal Loan ni...even pegawai bank pun ramai yang tak paham.....
Personal Loan ni bukannya daily rest or monthly rest so bayar advance banyak mana pun interest dia sama jer.....
Yang best cuma Loan ASB, Loan Rumah dan OD-ASB/Property/FD jer kot......
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legendazack posted on 19-9-2012 09:43 PM
mngkin consultnt g dipilih telah xaktiv..switch 2 suma keje consultant..so,lgkh baik..jgn biarkn.. ...
Switch sume keje2 consultants? Kalau consultants tu dah ada 100 orang clients bawah dia
dan setiap clients ada 4,5 funds yang diorang labur larat ker tuan nak monitor semua?
Jangan tabur janji yang agak mustahil nak tepati......
Why not ajar jer customer untuk monitor sendiri portfolio pelaburan diorang online
dan buat switching sendiri jer bila graf dana mereka mula menurun...
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cmf_Juju posted on 27-11-2012 07:26 AM
Actually loan ASB nie u all boleh le assume cam loan rumah. Lepas tu rumah tu disewakan . Let say am ...
Memang terbaik analogy ini, memang ini pun yang saya ceritakan kepada kawan2 tapi tu pun ramai
yang masih keberatan...entah kenapa...tak nak ada komitmen kot padahal benda ni bukannya komitmen sangat pun...
Lain lah beli rumah, nak kena kejar penyewa bayar sewa, nak kena maintain rumah kalau ada kerosakan etc....
Kalau ikut analogy ini agak2nya saya dah ada 4 buah rumahlah yang bernilai 200K....insyaAllah....
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bila nak buat long term investment...
mesti faham betul2 financing terms yg digunakan
apa beza flat rate calculation dengan reducing balance calculation...
apa beza fixed rate dengan blr-x or bfr-x ( variable rate based on blr or bfr )...
for a 25 yrs loan period...
4.5% flat rate is actually equivalent (in term of total payment) to a 7% on reducing balance..
flat rate selalu nya for car loan and personal loan..
so... be careful and don't be confused by the lower rates.........  |
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ikhwanii posted on 1-12-2012 12:15 PM
Memang terbaik analogy ini, memang ini pun yang saya ceritakan kepada kawan2 tapi tu pun ramai
ya ...
wow great - if got 4 houses = RM200K x 4 = RM800K, kira lagi RM200K nak jadi jutawan. Congrates |
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aarie posted on 3-12-2012 10:41 AM
bila nak buat long term investment...
mesti faham betul2 financing terms yg digunakan
Betul tu - sebab tu car loan - period x lama ie 5 - 7 years. Tak faham for those yg ambil sampai 10 years.
I yang ambil 7 years nie pun menyesal & jenuh nak menghabiskan hutang.
I think the best period for car loan - 5 years |
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cmf_Juju posted on 4-12-2012 07:37 AM
Betul tu - sebab tu car loan - period x lama ie 5 - 7 years. Tak faham for those yg ambil sampai 1 ...
The shorter period U pay is exactly the lesser U pay for the total loan BUT
nowdays people prefer to pay lesser monthly but end up paying more in TOTAL LOAN
coz they want BIGGER CAR.
Sekarang kerajaan perkenalkan pulak skim kereta untuk siswazah???
Belum habis ngaji lagi dah ngajar buat hutang kereta.....
Kereta I pakai sekarang pun beli kat Lelongan awam dan bayar pakai OD-ASB.
So, almost no interest at all exactly.
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ikhwanii posted on 4-12-2012 10:02 AM
The shorter period U pay is exactly the lesser U pay for the total loan BUT
nowdays people prefer ...
the new generation is - Gen Y - sebab tu lepas habis belajar - terus beli kereta. Tak tahu nak hidup susah senang tak macam budak2 gen X .
now ASB for the kids - max RM50K. So boleh le full kan limit ASB tu . |
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cmf_Juju posted on 4-12-2012 11:49 AM
the new generation is - Gen Y - sebab tu lepas habis belajar - terus beli kereta. Tak tahu nak hid ...
awal 30-an Gen Y ke Gen X erk?
Masalahnya takda orang nak guide diorang....
Parents pun tak kasi warning kat anak2, abang, kakak semua tak pandai kasi nasihat
sebab hidup diorang pun paras2 hidung...
Mak bapak lagi bangga anak2 pakai kereta besar sebab bangga ngan jiran2..
dah tu camner?
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ikhwanii posted on 4-12-2012 05:03 PM
awal 30-an Gen Y ke Gen X erk?
Masalahnya takda orang nak guide diorang....
Gen Y - i guess - coz refer for those born in early 1980's
Bukan masalah tak de yg nak guide tapi diorg kena le belajar & berfikir sendiri . Nie semua nak senang je - maybe time diorg lahir - their parents mmg jenis berwang & apa yang nak semua dapat .
But i really educate my kids to keeps saving - tu yg bukakkan akaun ASB & TH .
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aarie posted on 3-12-2012 10:41 AM
bila nak buat long term investment...
mesti faham betul2 financing terms yg digunakan for a 25 yrs loan period...
4.5% flat rate is actually equivalent (in term of total payment) to a 7% on reducing balance..
walaubagaimanapun, secara kasar ia bermakna, jika ASB umumkan dividend 8% (termasuk bonus), banding dengan interest 7% ... tolak bayaran insuran lagi... sungguh minima keuntungannya?
dah gogel, tak tau kalkulator mana nak guna. tolong terangkan.
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bila pengumuman dividen n bonus ASB bagi tahun 2012 yg berakhir 31 Disember |
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Category: Belia & Informasi
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Post time 29-11-2012 04:34 PM
