Feb 4 2014, 10:38 AM
QUOTE(potenza10 @ Feb 2 2014, 06:30 PM)
STRATEGI PELABURAN ASB: SIMPAN SENDIRI vs 'LOAN' ASB case study: simpan bulan2 RM1200 vs LASB 200k, dgn div ASB 7.5% pa.
Kedudukan kewangan selepas...
TAHUN.....simpanan.......LASB.......LOAN BALANCE.....NET
5...............81K..............287K...........178K................109K
10...........197K..............412K............149K...............263K
15 ..........303K..............592K........... 112K...............480K
20...........601K..............850K..............63K...............787K
25...........942K............1220K..............0.................1220K
NOTA: 1.Loan balance diperolehi dari loan amortization schedule 2. Total investment (money out of our pocket) for both cases is RM1200x12x25= RM360k
As you can see above, ROI using ASB loan is more compare saving using your own money.
This is true. However, we have to also consider for the long run. This ASB loan will affect your credit rating at CCRIS and thus might become an obstacle when you want to apply for housing loan etc in the future.Kedudukan kewangan selepas...
TAHUN.....simpanan.......LASB.......LOAN BALANCE.....NET
5...............81K..............287K...........178K................109K
10...........197K..............412K............149K...............263K
15 ..........303K..............592K........... 112K...............480K
20...........601K..............850K..............63K...............787K
25...........942K............1220K..............0.................1220K
NOTA: 1.Loan balance diperolehi dari loan amortization schedule 2. Total investment (money out of our pocket) for both cases is RM1200x12x25= RM360k
As you can see above, ROI using ASB loan is more compare saving using your own money.
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