Apr 11 2016, 04:11 PM
QUOTE(budak minyak @ Apr 11 2016, 12:27 PM)
Guys, wanna ask for opinion. Let say Ali bought 2 houses for rm1.2mil. but now Ali still cant decide about the payment.
whats the best option if Ali has rm600k cash?
the house price is rm1.2mil.
i. should Ali pays rm600k cash to the houses and loan the other rm600k,
ii. or its better if Ali maximize the loan say 90%, and Ali invest rm600k in FD ASB, and pay the mortgage loans with annual divident from ASB.
What do u think tuan? boleh kongsi secebis nasihat untuk membantu Ali.
Thanks in advance.
If FD ASB can pay higher rate than the loan rate, definitely better to choose option 2. whats the best option if Ali has rm600k cash?
the house price is rm1.2mil.
i. should Ali pays rm600k cash to the houses and loan the other rm600k,
ii. or its better if Ali maximize the loan say 90%, and Ali invest rm600k in FD ASB, and pay the mortgage loans with annual divident from ASB.
What do u think tuan? boleh kongsi secebis nasihat untuk membantu Ali.
Thanks in advance.
The risk associated for option 2 would be:
1.) How if FD ASB pay lower rate than loan rate since its return is not guaranteed?
2.) How if FD ASB bankrupt (unlikely, but still have possibility)?
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