Manipulasi ASB Loan
Ahmadzaimahmad @ ASB King - Fri 2/Dec/2016 2:54pm
Dividen 6% sahaja?? So mana untung? Simpan sendiri atau buat ASB loan?
Pinjaman ASB, ASB loan, ASBf adalah benda yg sama (xkisah ASB atau ASB2)
Pinjam RM100K selama 30 tahun..pada kadar keuntungan bank 5.2% (interest rate).
RM550/bulan @ RM6600/tahun ???? (MODAL).
Bulan pertama bayar RM550.
Bulan kedua bayar RM550.
Sehingga lah bulan ke 12 bayar RM550.
Lepas tu terminate loan tu. Dapat surrender value RM1423.
Dan dapat dividen hujung tahun tu RM6000.
Total cash dapat in hand RM1423 + RM6000 = RM7423 ???? (HASIL)
Ok baca ni 16 kali,
Kau bayar bulan2 RM550 bersamaan RM6600 setahun, tapi kau dapat hasil RM7423..
Untung kau ialah (????hasil - ????modal) RM7423 - RM6600 = RM823..
Ye kau untung RM823 kalau buat ASB loan..
Dividen 6% pon masih untung!??
Ya..untung RM823.. adi nubli cakap ye kau untung RM823..
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Nak simpan secara manual RM550 kt ASB? Silakan..tapi aku btau siap2 ni, kau simpan manual kt ASB RM550 selama 12 bulan kau hanya akan dapat cash Rm6813..untung kau hanya RM213..
Cmne kira? Tgk gambar bawah screenshot financial calculator.. adi nubli tak boleh kira manual ke?
Cmonn, kau nak aku tunjuk kira manual boleh, belanja teh tarik segelas , bwk pen bwk kertas.
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Org buat ASB loan bulan2 bayar RM550 compare dgn org simpan manual bulan2 RM550..tahun ni tetibe PNB declare dividen 6% jerrrr..
Yg amik ASB loan untung RM833.
Yg simpan manual untung RM213.
Korg yg rasa tergugat dividen turun tu ape hal? Simpan sendiri lettew ???? dulu2 suh buat asb loan xnak, jual mahal..

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