konsep sama je 20k / 200k... ikut budget & matlamat

compunding divididen 5 years..
boleh dapat +/- 9k

100% agree..loaner earn more because he start with 200k in his asb account while non loaner from 1200 as starter...compounding interest is fully utilize when u start big...they can earn more at the end of the maturity date...
Dun worry bro...start with little first is ok...if u r young make the max loan of 30 years with the afford amount u can and keep paying for atleast 5 years...after 5 years surrender your asb and use that money to pay for your whole year 200k asb loan....from here u just need to use the dividend money to pay for your loan....this is one of the easiest way and without to burden urself paying the high monthly commitment...but pls take note with this technique u wont be able to utilize the full benefit of compounding interest...but atleast u can earn more than 200k after 30 years...still a good amount for retirement right?

Pm me for futher intruction...i can help u to calculate the max loan amount u can apply

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)

Im afraid the bigger problem is not either she can topup another financing or not but if she eligible to do so...pm me bro so i can check for her credibility to apply loan

RM90 - 95k, & 25 - 30 years