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

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

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

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

yes mmg btl pun...tp buat apa nak apply asb2 klu asb1 blm full lg...asb2 dividen kurg sedikit berbanding asb1...



-premier wealth advisor-

ASB financial as low as 270/month max to 200k

Want to know more? contact me via whatsapp 011-10785052 or pm me here...

who me?

if me im a consultant under CIMB...

Promotion rate now if u have account ASB u will entitle 5% when u apply ASBF

some bank give 5.0% already...for CIMB normal rate now will be 5.2%...but if ur payroll using CIMB u can get 5% promotion rate...if u do interest pm me and provide me your 3 month bank statement...i will help u to check what is your full loan approval...than u decide for free

we can do all of this using whatsapp only...include if u want to apply for the ASBF...no need to go to the bank...

This post has been edited by haziqnet: Oct 21 2016, 09:33 PM

done pm...

true compounding is the advantage in ASBF...

look at this calculation what is the benefit by compounding your dividend

200k asbf montly RM1100
finance tenure 30 years
total payment RM1100 x 30 years = RM396,000.00


30 years compounding dividend (7.25%) = 1.432 million

your ASBF 200k = RM200k

total = RM1.632 million

Your nett profit = RM1.632 million - RM396,000 = RM1.236 million

Just want to share the difference between ASB saving and ASB financing for those who still dont know.

ASB financing VS ASB saving
===================

RM1100/month
Dividend rate 7.3%
Period : 5 years
----------------------------------

ASB financing method

After 60 month / 5 years
Financing balance = RM184,147.00
Cash = RM15,583

Interest compounding = RM84,464.00

Total cash in ASB account
RM15,583 + RM84,464.00 = RM100,047.00

ASB saving method

After 60 month / 5 years

Cash in ASB account = RM79,352.00


Difference RM100,047.00 - RM79,352.00 = RM20,695.00

With the same amount of commitment you will earn more with ASB financing.

'BE SMART INVESTOR'

For more info please call/whatsapp me at this no. 011-10785052

This post has been edited by haziqnet: Oct 25 2016, 09:59 AM

Im just sharing the difference between saving and financing...big figure will be good for example...

but it u want to apply ASB financing make sure only do with an amount you can afford...if not it will be a burden to you...

btw, November should be the last month to apply for loan, right? because I heard banks doesn't disburse money for asb certificate in disember...??
Yes correct...this month will be the last...u also will get a month of dividend from this year...simply said free money for those who start invest now...because u only will start your repayment at January next year...

Last make sure before u invest, u already set your goal. For example, buying your dream car/house, saving for retirement and so on...


If u r interest please pm me...

This post has been edited by haziqnet: Oct 25 2016, 11:07 AM

usually after disburse there will be a month gap for repayment...

its ok bro...i can help u from 30k to 200k...but u only can get full benefit after 30 years...if u surrender earlier the benefit/return will be less...

for below 200/month u can apply for RM35,000 asb financing only 192/month...

pm me your no.

or take my no. 011-10785052 (just tell u come from lowyat)

This post has been edited by haziqnet: Oct 25 2016, 12:26 PM

no problem bro...or if u want to make for a long term of investment, Private Retirement Scheme are suit with you...minimum only RM100/month...u only can get the money at 55 years old...same like KWSP...but with more return 8-10%...

if your age below 30 years old u can get incentive RM500 from the government if u start invest min 1000...after that u can proceed as low as 100/month...

can contact me...im ASB CIMB consultant...im glad to assist u anytime u free day or night...

how long already was your ASB financing? 2,3 years? and how much is the difference between other bank? 0.2, 0.3 or more?


how long is your financing duration? 30 years or less?

and how old are you now? under 35?

if u interest to seek for advise pm me...im glad to assist u anytime...for easy reach whatsapp me directly at this no. 011-10785052 just state your name at lowyat...

This post has been edited by haziqnet: Oct 27 2016, 10:07 AM

Its ok bro...if u have friend who are interest to make asb financing can u introduce me to them?

Basically PRS is same like EPF...

However EPF annual return only around 6.3% while PRS around 8-10%

PRS will be invest in unit trust at low to medium risk investment

Yes minimum to contribute for PRS is 100/month and above however you can stop contribute anytime you want and the balance in your PRS will continue to be invest until you reach age 55.

For those who age are below 30 years old and have a minimum of RM1000 in their PRS account will get RM1000 incentive (one time only) from the government

Plus you also can get tax relief max RM3000/year...

If you have more question about PRS please whatsapp me at 011-10785052 haziq.

This post has been edited by haziqnet: Oct 30 2016, 02:02 PM

hi there...yes i can help you...

50k loan for 2 years, i calculate dividen rate 7.3% u can get from compounding total 7,500.00

for your principal balance after surrendering your loan i need to know your investment period...

if u want to know more please pm me