200k, as Davez89 said is about 1,200.00 per month.

although the dividend can cover the loan amount, I would suggest you don't touch it and let it compound. In 10 years, you double your money.

If you do take it out to pay your monthly loan, at the end of 30 years, you will have a little over 200k. If you leave the dividend in there and let it compound @ 7%, you will have 1.5M in cold hard cash! that's 1.3M difference...

The 1.5m buggie mentioned is that you'll have to pay your installment at 1.2k a month for 30 years without touching it.

The other method is to pay installment 1200 monthly for a year
And then second year you don't have to come out a single cent as your dividend gained will cover the installment with extra few k cash for you to spend. After 30 years you'll have 200k.

No. Hehe...  That's too  easy. Think you misunderstood.

if you do that, meaning take the dividend to  pay for the loan you will only have 200k at the end of 30 years because since you take out every year to pay, there is no money in there left to compound.

You have to pay 1200 every month for 30 years to have 1.5m. You cannot touch the dividend at all...

May sound a lot but if you do the calculation...

1200 × 12 = 14,400.  End of 30 years you get 200,000 so you untung 185,600

1200 × 12 × 30years = 432,000. End of 30 years you get  1.5m so you untung 1M

200k untung vs 1M untung....  Hmmmm