QUOTE(timo1003 @ Mar 13 2017, 11:30 PM)
This. I've been a silent observer of this thread and just felt the need this time to comment on this.
Perhaps someone may want to put a caveat somewhere that ASB Loan works ONLY IF you take the longest/longer tenure and/or without any insurance (if possible) and/or without touching the dividend, etc. Otherwise, you'd have all sorts of theories. And there's no point explaining to someone who's "cup is full", unless they choose to first "empty their cup".
Also to me it's a simple thing. At the end of the 'experiment', I'll have either RM44,029.11 (own saving) vs RM54,009.60 (LASB) cash in hand. I think i know which is more. Without any other 'confusing' calculations. I stand to be corrected.
See calculation below...
QUOTE(buggie @ Mar 13 2017, 11:33 PM)
You must be living in your own little voncrane world... Lol. You post nonsense figures and say we acknowledged them? We took your figures, and stuck it up your arse and you still can:t feel it. You must be some loose goose bruh... Like I said... A special kind of breed.
Bla bla bla.. once again.. Here, some real calculations based on overflowing ASB and sem-full ASB2 alone.. Other similar and dissimilar investments not withstanding.... Less talk.. more numbers. See below..
QUOTE(Xnet @ Mar 13 2017, 11:36 PM)
The delusional kind - simpan bawah bantal saja la and use cracked apps
Delusional? Speak for yourself bruh... You sell IPTV services and I can understand your bread is threatened and so the need to lash out. But hey, its unhealthy to simply do so.... I pay for Hypptv, Hulu Plus, Netflix, iFlix and a few other choice IPTV services I dare not mention. Been paying for years... If you know Netflix, I used to be considered on a grandfather plan.. Long before they moved into Asia.. Go figure.. I tested your service and found it severely lacking and hence divert MY funds elsewhere. So cuz the forum refuses to allow you to promote your sales.. Go take it up with the LowYat Mods...
LoanAmount: RM200,000
Interest: 5%
Term: 30 Years
Monthly Payment: RM1,074
Terminate after 10 years.Total Paid (to bank): RM128,880
Total Interest Paid(to bank): RM91,520
Total Principal Paid(to bank): RM37,316
Accrued Interest (Flat @ 7% per year): RM193,430
Final amount: RM401,932.28
Principal Left (to pay bank): RM162,684
Therefore: 401,932.28 - 162,684 =
RM239,248.28FYI: The total amount paid to the bank.. Does not take into account any additional fees, insurance, BLR fluctuations, etc.. aka, could be lesser or whateva..
Own CashTerminate after 10 years.Base Amount: RM30,000
Total Amount Invested: B.A + (RM1074 * (12*10)) = RM158,880.00
Accrued Interest (Flat @ 7% per year): RM88,387.30
Final amount:
RM247,267.30Base Amount: RM30,000
Total Amount Invested: B.A + (RM1100 * (12*10)) = RM162,000
Accrued Interest (Flat @ 7% per year): RM89,793.76
Final amount:
RM251,793.76Base Amount: RM50,000
Total Amount Invested: B.A + (RM1074 * (12*10)) = RM178,880
Accrued Interest (Flat @ 7% per year): 108,580.53
Final amount:
RM287,460.53Base Amount: RM50,000
Total Amount Invested: B.A + (RM1100 * (12*10)) = RM182,000
Accrued Interest (Flat @ 7% per year): RM109,986.98
Final amount:
RM291,986.98291,986.98 - RM239,248.28=
52,738.70As to others... These are MY calculations and made to my specs... Some people love to live on borrowed money.. others don't and love freedom while making more.. To each his own.. I sleep amazingly well @ night..
This post has been edited by voncrane: Mar 14 2017, 12:46 AM 
Mar 5 2017, 02:17 PM
Quote
.. Starting back in 1990 isn't the same as 2017... But really, thanks for your insight.. 
more power to you bro....
0.2136sec
0.46
7 queries
GZIP Disabled