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    This document discusses two cases of terminating an ASB-i loan early after 1-5 years. The first case shows a ROI of 21.8% per year by terminating a RM50,000 25-year loan after 1 year and 3 months. The second case demonstrates a 37.5% ROI by terminating a similar RM50,000 25-year loan after 2 years and 3 months. Both cases provide examples of the dividends earned on the ASB investment exceeding the interest paid on the loan, resulting in a profitable return.

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    This document discusses two cases of terminating an ASB-i loan early after 1-5 years. The first case shows a ROI of 21.8% per year by terminating a RM50,000 25-year loan after 1 year and 3 months. The second case demonstrates a 37.5% ROI by terminating a similar RM50,000 25-year loan after 2 years and 3 months. Both cases provide examples of the dividends earned on the ASB investment exceeding the interest paid on the loan, resulting in a profitable return.

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    131 views2 pages

    Terminate Asb Loan

    Uploaded by

    master
    This document discusses two cases of terminating an ASB-i loan early after 1-5 years. The first case shows a ROI of 21.8% per year by terminating a RM50,000 25-year loan after 1 year and 3 months. The second case demonstrates a 37.5% ROI by terminating a similar RM50,000 25-year loan after 2 years and 3 months. Both cases provide examples of the dividends earned on the ASB investment exceeding the interest paid on the loan, resulting in a profitable return.

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    of 2

    A. Mengapa Terminate lepas awal (1-5tahun)?

    Lasb-i 50k, 25thn, rm289/bulan, 1thn 3bln

    Claim prinsipal loan : Tiada (perlu bayar rm67.63 untuk tutup acc kerana baki loan
    masih melebihi nilai 50k)
    Claim asbrta drpd etiqa : rm683.00

    Modal
    installment loan : rm289 x 15 = rm4335
    yuran pemprosesan : rm70

    Dividen
    Dividen ASB 2011 : 50k x 7.65% = rm3825
    Dividen ASB 2012 : 50k x 7.50% x 3/12 = rm937.5 (anggaran)

    ROI : net cash/modal x 100

    rm(683+3825+937.50)-(4335+70+67.63)/(4335+70+67.63) x 100 =21.8%

    17.4% setahun

    B. Pembuktian 37.5% ROI

    Ni kes study sy sdr ok..


    Harap dpt jd panduan pd semua..

    LASB-i 50k, 25thn, rm 272/bln, Maybank


    (1/1/2010 - 1/4/2012) - 2thn 3bln
    Terminate pd 31/3/2012 - settle pd 13/4/2012
    Bayaran balik drpd Maybank - rm 1328.41 (Ammortize loan)

    Loan Repayment
    rm 272 x 12 = rm 3264 (2010)
    rm 272 x 4. = rm 1088 (2011)
    rm 294 x 8. = rm 2352 (2011)
    rm 294 x 4. = rm 1176 (2012)

    Processing fee = rm 90
    Total payment = rm 7970

    Dividen + Bonus

    2010 : rm 321.50
    2011 : rm 3764.45 + rm 73.13
    2012 : rm 3825.00 + rm 118.90
    2013 : rm 937++ (estimated)
    Total received : rm 9039.98

    Net Profit
    Net profit after cancellation of LASB-i
    rm 9039.98 - rm 7970.00 = rm 1069.98

    Net profit for this investment/saving


    rm 1069.98 + rm 1328.41 = rm 2398.39

    RM 593.00 hasil claim asbrta..

    so kiraan ROI nye adalah...

    (2398.39+593.00)/7970 x 100 = 37.5%

    alhamdulillah.. walaupun lewat dpt blk claim tp capai jgk 30%..

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