X byk rugi klu buat loan max 30 thn...ptt dividen masih dpt tampung byrn bulanan...cara camni cuma kurg untung sbb xdpt buat compounding dr dividen yg dpt....xpe hold dulu 3-5 thn br surrender...jgn surrender awal rugi

Hello the would it mean it's better not to surrender after 5 years?

i mean its better to surrender after 5 years not less than 5 years...if u surrender before 5 years u will not earn a lot from the compounding...minimum is 3 years but the best (my suggestion) is 5 years..

This post has been edited by haziqnet: Sep 8 2016, 09:00 AM

Tak paham bro.... on that part you said about using asb that I surrendered at Year 5 and paying for whole year 200k asb loan. u mean after I surrendered, I apply ASB loan 200k??

use malay ok?

1. contoh tuan mampu apply pinjaman 50 ribu utk 30 tahun (BANK PROFIT RATE 5.2%)

bulanan = RM275 (tanpa insuran)

jd tuan byr amaun RM275 secara konsisten selama 5 tahun

selepas 5 tahun tuan akan dpt compound interest = RM21,000

jumlah lebihan tuan dpt selepas surrender pinjaman = RM4,000

Jumlah keseluruhan = RM21,000 + RM4,000 = RM25,000




2. Selepas dapat amaun ni apply pinjaman ASB 200 ribu (BANK PROFIT RATE 5.2%)

bulanan = RM1100 (tanpa insurans)

total setahun RM1100 x 12 = RM13,200

Jumlah RM13,200 ni tuan ambil dari RM25,000 yg tuan dpt dari surrender ASB sebelum ini

RM25,000 - RM13,200 = RM11,800 (baki ni terpulang pada tuan utk buat ASB 2 atau gunakan utk diri sendiri)


Ok kesimpulannya, dgn modal RM13,200 tuan ada ni, tuan boleh bayar bulanan pinjaman ASB utk 1 tahun (secara bulanan bukan lumpsum) tanpa menggunakan duit poket sendiri...Selepas 1 tahun tuan bole gunakan dividen yg tuan perolehi setiap tahun utk membayar pinjaman tuan sehingga 30 tahun...walaubagaimanapun cara ini tidak dapat memaksimakan keuntungan dari compounding tetapi ianya tidak akan membebankan tuan.

Tips tambahan : jgn bayar bulanan ASB dari dividen yg diperolehi secara lumpsum tp secara bulan2...jadi baki yg tinggal di dalam akaun ASB akan dikira masuk dlm kiraan dividen setiap bulan...


Jadi dgn bayaran minimum tuan RM275 sebelum ini, selepas 5 tahun tuan upgrade ke pinjaman ASB 200 ribu tuan tidak perlu membayar apa2 pun menggunakan duit tuan sendiri...


PERINGATAN : PENGIRAAN DI ATAS ADALAH SECARA KASAR (KEUNTUNGAN DIVIDEN 7.25% SECARA TETAP) DAN BUKANNYA TEPAT. KEUNTUNGAN ASB BERGANTUNG KEPADA DIVIDEN TAHUNAN DAN BAYARAN BULANAN BOLEH BERUBAH TERTAKLUK KEPADA PERUBAHAN BLR


Kalau tuan masih kurg faham PM sy tuan...atau whatsapp sy di 011-10785052 (haziq)

This post has been edited by haziqnet: Sep 8 2016, 10:57 AM

ahh....paham dah bro. Tkasih.

bagus bro...nak apply loan pm saya...hehehe

tuan haziq. mohon advise. sy dah berumur 40 tahun. berbaloikah buat LASB nih...?

katakan sy ambil 150k. sebulan rm895 (ikut jadual maybank). agak2 brp kos2 lain spt insuran/Takaful, GST & Fi Sijil nak kena tambah lg...

still berbaloi cuma bayaran lebih mahal la...boleh saya tanya tuan bekerja di sektor swasta @ kerajaan? bole dptkan no. telefon? sy boleh menawarkan sesuatu yg lebih sesuai dengan tuan...@ tuan ambil no saya ni 011-10785052 haziq

kos takaful tgk berapa tahun tuan nk buat...klu islamic loan hanya ada fi RM60 skali byr shj...

This post has been edited by haziqnet: Sep 26 2016, 02:03 PM

Suami Isteri Labur ASB Financing 5 Tahun Untuk Dapatkan RM130k
===================================================

Ramai sebenarnya masyarakat kita yang xtahu kelebihan ASB Financing ni. Mereka ada yang terhasut dengan mitos-mitos yang buat financing ni HANYA untung kepada bank. Padahal wang hasil yang bakal diperolehi itu lebih banyak jika dibandingkan dengan simpanan sendiri. Sangat PELIK jika ada bumiputera yang tidak memanfaatkan sepenuhnya kemudahan ini untuk menjamin ekonomi yang lebih kukuh di masa akan datang.

Ok. Ada banyak teknik dalam ASB Financing ni yang dapat disesuaikan mengikut kemampuan dan target perancangan masing-masing. Salah satu caranya ialah JANA 130k dalam 5 tahun. Dengan komitmen hanya rm1074 sebulan SAHAJA.

1. Tahun pertama buat ASB Financing husband. Bulanan rm1074, cari yang rate rendah (5.0%). Setahun total kena bayar rm12,888. Katakan lepas setahun dividen dapat 7.25%. So dapatlah rm14,500. MAINTAIN bayar sehingga 5 tahun.
2. Tahun ke-DUA apply lagi ASB Financing wife rm200k. Gunakan rm12,888 dari dividen ASB Financing husband untuk bayar monthly installment rm1074.
3. Tahun ke-TIGA apply pula ASB2 Financing husband rm200k. Gunakan rm12,888 dari dividen ASB Financing wife untuk bayar monthly installment rm1074. Anggaran dividen ASB2 7.05%, dapatlah rm14,100.
4. Tahun ke-EMPAT apply pula ASB2 Financing wife rm200k. Gunakan rm12,888 dari dividen ASB2 Financing husband untuk bayar monthly installment rm1074.
5. Kalau dapat proxy untuk tambah 200k ASB Financing pada tahun kelima ni lagi cun, tapi dalam kes ni, cukup sekadar 4 sijil rm200k dengan total keseluruhan jadi RM800k.
6. Hujung tahun ke-LIMA terminate kesemua ASB Financing korang. Tengok berapa hasil yang akan korang dapat.

••••••••••••
PENGIRAAN
••••••••••••
🔴ASB Financing Husband
Baki Dividen : 1,612 x 4 = 6,448
Dividen Tahun Akhir : 14,500
Principal Terkumpul : 16,342
TOTAL = RM 37,290 ✔️

🔴ASB Financing Wife
Baki Dividen : 1,612 x 3 = 4,836
Dividen Tahun Akhir : 14,500
Principal Terkumpul : 12,739
TOTAL = RM 32,075 ✔️

🔴ASB2 Financing Husband
Baki Dividen : 1,212 x 2 = 2,424
Dividen Tahun Akhir : 14,100
Principal Terkumpul : 9,312
TOTAL = RM 25,836 ✔️

🔴ASB2 Financing Wife
Compounding Dividen ; 29,194
Principal Terkumpul : 6,052
TOTAL = RM 35,246 ✔️

▶️TOTAL KESELURUHAN = RM 130,447 ‼️‼️

Nak lagi banyak ?
➰baki dividen biarkan compounding
➰ambil setiap bulan duit dividen dari asb untuk bayar installment
➰pengiraan x campur bonus ASB lagi
.
.
.
.
So amacam ? Xkan nak tengok je. Jom lah ambil peluang kemudahan ASB financing dengan memaksimumkan OPM korang. Ingat, ASBf hanya untuk bumiputera sahaja. Jangan lepaskan peluang.

#SHARE jika bermanfaat

- Hafiz Kadir -

Cimb Wealth Advisor
013-4352443

So I wanna ask.

Inside asb acc got 20k example (manual saving)

So I can loan another 180k right

I loan 150k and + 20k = 170k, and over the years it will fill the gap of 30 k example from the dividen

So does it mean that if I sell my 150k,the next loan I can take is maybe less than 150k?

Will the compounding not as strong as I straight loan 200k?

[QUOTE]So does it mean that if I sell my 150k,the next loan I can take is maybe less than 150k? [/QUOTE]
- You can still take 150k... in fact up to 180k if your 20k earlier was still in there. If you take out your 20k, then you can take up to 200k loan. The dividend doesn;t eat into your quota,it merely grow your ASB size.

[/QUOTE]Will the compounding not as strong as I straight loan 200k?[QUOTE]
- of course the more money in there the more it compounds.

My advice if you can afford the monthly installment, take out the 20k and take the full loan of 200k which earns you the 7.++% dividend. The 20k, put into your ASB2 earning you a further 7.++% dividend.

In a nutshell, you earn 7.++% dividend on 220k but only pay 5% interest on a 200k loan.

yes sure u can...from my calculation u only need about 28 month to get another 30k from the compounding dividend

calculate from 150k loan + 20k (original saving)


So does it mean that if I sell my 150k,the next loan I can take is maybe less than 150k?
no you still can apply for 200k asb loan but why u want to surrender it if u still can pay for it. It will be a waste instead im advising u to apply 200k loan for ASB2 (30 years) without surrendering your current loan (ASB1) You can pay your ASB2 loan using your ASB1 dividend for 1 year...At 2nd year use ASB2 own dividend to pay for the loan (rolling dividend method)


so my calculation assumption dividend rate at 7.25% you will get :

1st ASB account after 30 years you can earn approx. 1.6 million (pay using your own money)

2nd ASB account after 30 years you can earn approx. 300k (rolling dividend method)


for your last question, yes the more you loan the more you get for your compounding interest...

-Premier wealth advisor-

This post has been edited by haziqnet: Sep 30 2016, 10:32 AM

surrender original 150k of loan, not 200k. because example if i have 20k inside, max loan i can get is 180k loan right?

in this case i took 150k. so should i surrender 150k after 5 years example, and see whats the new total amount remain then apply a new loan to max out 200k?

asb 2 boleh buat loan ke? cimb kata haritu takleh hm.. rugi2

1st question the answer is correct.

for 2nd question

ok if you loan 150k and surrender it after 5 years, u will get approx. RM62k (interest) + RM12K (balance from loan) = RM74K

so u only need to loan another 126k to max out your 200k ASB

so if u really want to use this method also can...


but if u ask me, it will be better if u keep your 150k loan and max out your ASB2 account...

-Premier Wealth Advisor-

This post has been edited by haziqnet: Sep 30 2016, 11:31 AM

ada beritau reason kenapa tak boleh? ASB2 boleh je buat loan xde masalah...edited (menimbulkan salah faham)

This post has been edited by haziqnet: Sep 30 2016, 08:42 PM

Asb new campaign promotion.. from 30 sep to 30 Nov..

If you are Cimb payroll customer . Then you would entitle effective rate 5.0% p.a.(BR+1.10%) which is the lowest in market

Cimb payroll customer which mean your salary being credited into cimb bank account .

For those who interested Pls call me or whatapps me for further information .. 016348912 Ck

Tak perlu full ASB1 pun. Tak ada syarat macam tu.
Boleh apply loan ASB2 bila-bila masa.