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PTPTN: bayar lump sum dpt diskaun 20% atau labur dalam ASB/Tabung Haji?

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Author: myecho       Show all posts   Read mode

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Post time 5-12-2018 01:20 PM | Show all posts |Read mode
Edited by myecho at 5-12-2018 06:21 PM

Salam semua, minta pendapat, better bayar lump sum pinjaman PTPTN dapat diskaun 20% atau bayar bulan2 mcm biasa & lebihan tu labur dalam ASB/Tabung haji?   
>PTPTN Cas Pengurusan: 1%
>Anggaran Dividen ASB/Tabung Haji: 5%

-Jumlah Baki Hutang Pinjaman (Tak termasuk kos pengurusan 1%): RM 37,394.49
-Jumlah Penyelesaian Baki Hutang Pinjaman Selepas Diskaun 20% : RM 29,915.59
-Bayaran Bulanan: RM155.23
-Baki Bulanan: 312 Bulan   
-Jumlah bayaran pada bulan ke 312: RM48,431.76



Tq.








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Post time 5-12-2018 01:26 PM | Show all posts
Edited by RoyMakaay at 5-12-2018 01:43 PM

Ikut kiraan, simpan di ASB lagi untung la.

Tapi jika mampu untuk bayar lump sum terus dan elakkan riba, why not?
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Post time 5-12-2018 01:28 PM | Show all posts
tahun depan ada lagi ke discount nye?
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 Author| Post time 5-12-2018 01:33 PM | Show all posts
gujiwa replied at 5-12-2018 01:28 PM
tahun depan ada lagi ke discount nye?

bulan ni last utk promosi ni
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Post time 5-12-2018 01:35 PM From the mobile phone | Show all posts
Aku keluarkan kwsp lumpsum ptptn. Legaa rasanya..
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Post time 5-12-2018 01:47 PM | Show all posts
myecho replied at 5-12-2018 01:33 PM
bulan ni last utk promosi ni

Baik settle hutang dulu. Nanti Rm155/month tu guna utk ASB/Tabung haji pulak.
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Post time 5-12-2018 01:50 PM | Show all posts
i vote untuk settlekan hutang..
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 Author| Post time 5-12-2018 01:52 PM | Show all posts
momopoko replied at 5-12-2018 01:47 PM
Baik settle hutang dulu. Nanti Rm155/month tu guna utk ASB/Tabung haji pulak.

good idea
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 Author| Post time 5-12-2018 01:54 PM | Show all posts
Edited by myecho at 5-12-2018 02:02 PM

Maturity value jika invest dlm ASB/Tabung Haji:
TH.jpg


Maturity value jika settlekan hutang & bulan2 masukkan dalam ASB/Tabung Haji :
bayar ptptn.jpg
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Post time 5-12-2018 01:56 PM From the mobile phone | Show all posts
Settlekan hutang dulu.. Dah bebas hutang nanti rasa tenang je hidup
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 Author| Post time 5-12-2018 02:02 PM | Show all posts
RoyMakaay replied at 5-12-2018 01:26 PM
Ikut kiraan, simpan di ASB lagi untung la.

Tapi jika mampu untuk bayar lump sum terus dan elakka ...

betul tu, tp pengerusi ptptn kata bukan riba tapi kos pengurusan

http://www.utusan.com.my/berita/ ... unsur-riba-1.253871
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Post time 5-12-2018 02:18 PM | Show all posts
bayar hutang tu wajib...jadi, settlekan hutang dulu.. or else, bayar lah bulan2 tanpa culas..
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Post time 6-12-2018 12:08 PM | Show all posts
Hutang tu wajib, ada duit settlekan hutang dulu. Percayalah kalau niat nak byar hutang Allah akan bagi rezki for that matter. Kalau u simpan, mmg la on paper nampak ada untung tapi trust me, duit tu nanti ntah mana2 pergi.

I am speaking from experience.
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