CARI Infonet

 Forgot password?
 Register

ADVERTISEMENT

Author: NURMIMIE

PINJAMAN ASB.

  [Copy link]
Post time 23-4-2004 01:31 PM | Show all posts
Originally posted by zazizu at 2004-1-7 11:32 PM:

Tertarik dengan reserve fund...teringat sewaktu buat pengiraan ari tu...duit yang perlu ada sekiranya mahu berhenti kerja dan concentrate on takaful...pengiraan yang dibuat adalah berdasarkan exp ...




juju rasa RHB ada offer gak asb loan which slightly better than maybank.....but don't go for maybank finance....memang mahal lel
Reply

Use magic Report


ADVERTISEMENT


ourself This user has been deleted
Post time 23-4-2004 08:26 PM | Show all posts
[


OK a quick scenario. If I save RM450 every month for 10 years, my si ... [/quote]

Investmentlink is also from Unit trust my friend,
that one is lowest figure 5%.at least guaranted  tak rugikan.
investment+insurance+saving =smart

drpd buka akaun berasingan.banyak komitmen my friends...
:cak:





from (Million Dollar Round Table)
Reply

Use magic Report

ourself This user has been deleted
Post time 11-6-2004 02:47 PM | Show all posts
Originally posted by NURMIMIE at 19-12-2003 01:51:


mungkin ourself salah faham konsep itu di sini.

maybank tak bagi duit dekat kita. dia hanya bagi satu salinan sijil aja.

untuk more clear picture macam ni:

-maybank bayar kat ASB (u ...

CONFIRM RUGI....:lol masuk ASB loan..hanya yg mereka yang tak pandai merancang kewangan jer buat loan ASB.lebih baik simpan sendiri..
banyak kes ASB loan yg mengecewakan org bumiputera......orang melayu boleh disiplin bila berhutang jer...org melayu baru....tak pikir panjang...pendek akal.
Reply

Use magic Report

kilroy This user has been deleted
Post time 12-6-2004 11:55 AM | Show all posts
:kunyah::kunyah:
Reply

Use magic Report

ourself This user has been deleted
Post time 19-6-2004 04:26 PM | Show all posts
Originally posted by kilroy at 12-6-2004 11:55:
:kunyah::kunyah:


nape?tak percaya?....:kerek:
Reply

Use magic Report

erina_cun This user has been deleted
Post time 19-7-2004 02:11 PM | Show all posts
Originally posted by zazizu at 7-1-2004 23:32:

Tertarik dengan reserve fund...teringat sewaktu buat pengiraan ari tu...duit yang perlu ada sekiranya mahu berhenti kerja dan concentrate on takaful...pengiraan yang dibuat adalah berdasarkan exp ...



yep, i think Azizi Ali's reserve fund tu actually bkn refer kpd your salary, tp how much money u need in a month.  itu lah 3 bln atau 6 bln atau brp bulan pun, in case you terpaksa berhenti kerja, so u can still survive selama mana your reserve fund ada, mcm biasa.  "Business As Usual" can still happen.
Reply

Use magic Report

Follow Us
Nora_Ismail This user has been deleted
Post time 19-7-2004 03:33 PM | Show all posts
Originally posted by erina_cun at 19-7-2004 02:11 PM:



yep, i think Azizi Ali's reserve fund tu actually bkn refer kpd your salary, tp how much money u need in a month.  itu lah 3 bln atau 6 bln atau brp bulan pun, in case you terpaksa berhenti k ...



Zaman susah cari kerja ni, reserve fund tu lagi banyak lagi bagus. Kalau nak buat bisness dulu, elok ada 1 tahun nyer reserved:

6 bulan pertama: Cuba bisnes. Kalau gagal, kena cepat cari kerja.
6 bulan yang kedua: Dalam masa 6 bulan ni, kena dapat kerja dah.... By end of this, reserve fund dah depleted...


2 cents,

Nora

(retrenchment: been there, done that, got the t-shirt, took some photos... )
Reply

Use magic Report

Post time 30-7-2004 05:45 PM | Show all posts
Nasihat saya untuk diri sendiri dan semua...before making any investment, kena tengok rate of return dulu..

kalau loan ASB ni rasanya tak berbaloi sebabnya interest rate yang dikenakan keatas loan anda lebih daripada rate of return yang anda dapat...

Dengan kata lain, expenses ( belanja) anda tuk loan ni lebih daripada keuntungan yang anda dapat, cuba2 tengok interest rate yang dikenakan dengan kadar keuntungan yang biasa PNB declared..mana lebih tinggi/rendah...
Reply

Use magic Report


ADVERTISEMENT


iazerin This user has been deleted
Post time 3-8-2004 10:56 AM | Show all posts
:setuju::setuju:

Awal tahun ari tu, saya ada amik loan ASB... RM20K utk 7 tahun... bayo bulan2 dalam RM300. Dah bayo dalam 5 bulan... tup2 dapat statement... lepas je bayo RM300... bank akan kira interest ke atas balance yang kita pinjam tu... then dia akan add lagi nak dekat RM100.

Maknanya, tiap2 bulan, saya bukan bayo rm300, saya kena bayo rm400! Terus saya keluarkan... biar rugi skit daripada rugi banyak2 dikemudian hari...
Nasihat saya... kalau nak buat investment ngan mana2 unit trust...(ASB tu pun unit trust ler)... tak yah pinjam dari mana2... please guna duit sendiri....

Kalau ikut buku2 Total Financial Planning.... 10%-20% of salary tu... (selain EFP) kena simpan utk future use.... then kita diversified... sikit letak kat ASB (low risk) sikit letak kat mana2 fund yang high risk.... then sikit letak kat emergency fund kita... (kita kena ada atleast 3 bulan gaji utk emergency fund kita)....

okieh?
Reply

Use magic Report

Post time 12-8-2004 05:53 PM | Show all posts
To make any investment, memang kena guna duit sendiri...so far setahu saya , for interest rate tuk personal loan tak de bank yang offer kurang dari 6%..tuk investment instrument yang ada selamat capitalnya..yang biasa cuma Simpanan Tetap yang memberi pulangan sebanyak 3.7% per annum...
Reply

Use magic Report

shidi_70 This user has been deleted
Post time 18-8-2004 12:36 PM | Show all posts
Betullah tu nurmimie, dulu I pun ambil maybank ASB loan gak, tapi sikit aje RM 11 k utk 5 tahun. Maybank akan bagi copy sijil kat kita, tapi duit tak masuk dlm akaun kita. Kalau betul2 tertib ikut, memang menguntungkan. Tapi, kes I tak sampai 1.5 tahun I bayar habis balance loan tu, sebab tengok stock market makin memberangsangkan, soooo sekarang hasil stock yg I sempat beli jual, I dapat untung on average RM 3k per lot, total untung tak masuk modal > RM 7O K. Kira tak rugi jugak kalau main share. Tapi risikonya tinggi.
Reply

Use magic Report

Post time 19-8-2004 08:20 AM | Show all posts
juju baru je ambil jadual pembayaran ASB dari RHB loan.....utk pinjaman 50K selama 10 tahun ialah RM537....nie pun 95% loan which kita kena bayar RM2500 as deposit first....

kenapa maybank punya lagi rendah eh...sapa2 leh explain
Reply

Use magic Report

ourself This user has been deleted
Post time 23-8-2004 11:39 AM | Show all posts
Originally posted by Juju at 19-8-2004 08:20:
juju baru je ambil jadual pembayaran ASB dari RHB loan.....utk pinjaman 50K selama 10 tahun ialah RM537....nie pun 95% loan which kita kena bayar RM2500 as deposit first....

kenapa maybank punya ...


baguslah kerana menyimpan...soal deposit bank RHB/maybank sebenarnya ia mengikut strategi marketing syarikat mereka.kalau sama jer takdelah beza nya kan....pengguna yg perlu bijak untuk membuat pilihan.

tapi,kenapa masih ada mereka yg menyimpan membuat loan ASB?..menyimpan atau meminjam?..check semula matlamat anda....:solute:
Reply

Use magic Report

Post time 23-8-2004 06:02 PM | Show all posts
Setiap bank mempunyai  interest rate yang berbeza kerana bank's competitiveness yang berbeza, maybank antara bank yang banyak dana dan lebih competitive dari segi kos operasi dsb.

Bank Negara yang telah mengumumkan structure baru tuk interest rate dimana bank berhak menentukan interest rate tersendiri, dgn rule baru ni bank2 besar macam maybank lebih mendapat manfaat dimana bank2 besar dapat memberi interest rate yang lebih rendah dari bank2 lain.
Reply

Use magic Report

nico This user has been deleted
Post time 6-10-2004 01:24 AM | Show all posts

Hmmm confusing!!

Originally posted by ourself at 31-12-2003 08:26:


good!..u try to understand..yes u can.ok come on ... finish until x..y..z.


Very busy here. Am I a bit late joining in? Actually I was looking to do the same thing, as in loan and invest in ASB (as most return is about 10% a year).

I really think it's a good idea and I have no idea why it wouldn't be. I am not an economist nor have any economic background. I'm only 25! poor me. Lack of experience....

As a mathematician, let's look it my way. A good loan would usually be about 3-5% interests. ASB returns on average >10% each year. Obviously, taking a loan and invest in ASB would give us something!

And macam kak mimie buat, bayar 5400 and dpt balik 50000, bank ambil the rests. Kenapa pulak this is not possible? If I have enough money, I could be a bank and do that.

Calculation: RM50000 x 1.12^9 = 138654 lebih kurang.
assuming 12% ASB return each year. optimistic sikit la. Then plus kite bayar 5400. Dah jadik more than RM144000 in 10 years. Kite dapat 50k yang kite pinjam. Then bank dpt balik modal diorang 50k. Left with ??? RM44000. Untung 88% from investment diorang. Tanak ke bank kasik pinjam?

kenapa ya tak logik pulak?
Reply

Use magic Report

crammer This user has been deleted
Post time 6-10-2004 02:43 PM | Show all posts
hi sori aaa rasa cam nak celah sikit pasal loan ASB....

pasal dividen ASB
memang setakat ini mmg ASB antara yg stabil dlm pemberian dividen selain bank rakyat ... cume tak der le sampai 12% each year .. kalu tgk record past few years :
2001
Dividen - 7.0%    Bonus - 3.0%
2002
Dividen - 7.0%    Bonus - 2.0%
2003
Dividen - 7.25%    Bonus - 2.0%

dan ramai yg saya rasa DAH TERSILAP kira @ conggak cara pemberian DIVIDEN & BONUS ASB nieee..... Dividen dan Bonus ini tidak dikira sekali contoh nye pada tahun 2001 .... dividen sebenarnya adalah 7.0% setahun bukannya 10% (kalau ditambah dividen dan Bonus skali gus)

cara pengiraan DIVIDEN yg sebenar :
1)PERCENT Dividen setahun / 12 = Percent bulan (dividen bagi sesebulan)

2)Percent bulan x Baki minimum bulan tersebut = Dividen bagi bulan

3)Jumlah DIVIDEN Setahun = ditambahkan semua sekali DIVIDEN BULAN (ada 12)


Cara pengiraan BONUS yg sebenar :
1)Percent BONUS setahun / 120 (kiraan bagi bulan utk 10 tahun yg terakhir) =  Percent BONUS utk sesebulan

2)Percent BONUS utk sebulan x Baki minimum bulan tersebut = BONUS bagi bulan

3)Jumlah BONUS Setahun = ditambahkan semua sekali BONUS BULAN (ada 12)

itu saje yg realiti .....

[ Last edited by crammer on 7-10-2004 at 06:18 PM ]
Reply

Use magic Report


ADVERTISEMENT


crammer This user has been deleted
Post time 6-10-2004 03:52 PM | Show all posts
pasal investment in Insurance & loan ASB.
2 benda nie mmg berasingan... tak leh kate invest in insurance lebih baik maupun amek loan ASB lagi baik, sebab 2 benda bagai langit dan bumi ... mmg tak sama dari segi konsep. semua terpulang pada apa tujuan ia dibuat !! ...
nak terang secara details kang berjela-jela lak ...tak cukup lak space ....
Reply

Use magic Report

nico This user has been deleted
Post time 7-10-2004 07:37 PM | Show all posts

betul ke ni?

Originally posted by crammer at 6-10-2004 06:43:
cara pengiraan DIVIDEN yg sebenar :
1)PERCENT Dividen setahun / 12 = Percent bulan (dividen bagi sesebulan)

2)Percent bulan x Baki minimum bulan tersebut = Dividen bagi bulan

3)Jumlah DIVIDEN Setahun = ditambahkan semua sekali DIVIDEN BULAN (ada 12)


Seriously? takkan la ASB kasik dividen 7% setahun and sebulan dividen just divide by 12?? If that's the case, then lagi bagus lah. That means one year dividen will be more than 7%.

and ikut logik ni, 7% dividen + 3% bonus  > 10%. Itu dah kire bagus. If it stays that way, with RM50k investment, after 15 years the return is more than RM200k!! Meaning if invest RM500k, dpt balik more than RM2 million after 15 years! yay! menarik. That was assuming duit tuh tak diusik langsung langsung la for 15 years. Long time to wait...

correct?
Reply

Use magic Report

crammer This user has been deleted
Post time 7-10-2004 09:42 PM | Show all posts
ehehe .... saya nyata di sini base ape yg saya dapat dpt, disokong bukti ape yg dicetak pada buku ASB saya each year...

Nampak nye kena keluarkan formula dlm matematik la pulak, sebab rasa nya NICO masih tak paham

*Assume ade RM10,000 dlm ASB TANPA DIUSIK setahun ....
dan baru tahun PERTAMA bukak ASB (dari Januari 03) ...bila PNB declare 7.25% DIVIDEN & 2.00% BONUS bagi tahun 03.... itu bermaksud :

Utk dapatkan DIVIDEN TAHUN 03 :

1) 7.25% / 12 (setahun) = 0.60417% (Dividen sesebulan)

2) 0.60417%  x  Baki Minumum utk sesebulan (RM10K) = Dividen Bulan.
RM60.42 (Dividen Bulan Jan), RM60.42 (Dividen Bulan Febi), RM60.42 (Dividen Bulan Mac), RM60.42 (Dividen Bulan Aprili), RM60.42 (Dividen Bulan Meii), RM60.42 (Dividen Bulan Jun), RM60.42 (Dividen Bulan Julai), RM60.42 (Dividen Bulan ogos), RM60.42 (Dividen Bulan Sep), RM60.42 (Dividen Bulan oct), RM60.42 (Dividen Bulan Nove) & RM60.42 (Dividen Bulan Dis)

3) JUMLAH DIVIDEN SETAHUN = ditambahkan semua Dividen Bulanan (RM60.42 X 12) - disebabkan RM10K tak diusik, aku darabkan setahun jee

4) DIVIDEN TAHUN 03 yg dapat = RM 725




Utk dapatkan BONUS TAHUN 03 :

1) 2.0% / 120 (kiraan bagi bulan utk 10 tahun yg terakhir) =  0.017% (Percent BONUS utk sesebulan)
*Kat sini org selalu tersalah anggap .... sebab BONUStu  bukan utk tahun itu sahaja...


2) 0.017% x Baki minimum bulan tersebut (10k) = RM1.67 (Bonus Bulan)

3)Jumlah BONUS Setahun = ditambahkan semua sekali BONUS BULAN (RM1.67 X 12)

4) BONUS TAHUN 03 yg dapat = RM 20



Maka utk tahun 03 korang dapat = RM 745 hasil drp simpanan 10k sepanjang 03  (RM725-DIVIDEN + RM 20-BONUS)




*sebab itu dier ade kata ASB ni dana PERTUMBUHAN sebab BONUS tu dikira utk 10 tahun (120 bulan) yg terakhir dan bukannya utk tahun itu saja....dan sebab itu jugak laa korg TAK BOLEH CAMPUR KAN DIVIDEN & BONUS SEKALI ...sebab cara pengiraanya BERBEZA ....

-Dividen dibayar ikut bulan sebenarnya cume PNB declare je setahun... kalau kira tahun baik aku masukkan 10k ujung bulan NOVEMBER je ..terus dapat 7% walau simpan sebulan tu je...

-BAKI MINIMUM ni maksudnya cth korg ada RM1000 dlm ASB tapi bila dlm bulan tu korang ade cashkan RM200 maka Baki Minimum ut bulan tu adalah RM800 tak kira la korang keluar awal bulan ke tgh ke akhir bulan ke ...


-mmg Dividen ASB 7.0%-7.25% dlm tiga tahun lepas ..kalau tak percaya -> www.pnb.com.my/business/business ... t=5&subsubcat=4

TOLONG BETULKAN JIKA ADE KESILAPAN ....

[ Last edited by crammer on 7-10-2004 at 10:58 PM ]
Reply

Use magic Report

ourself This user has been deleted
Post time 9-10-2004 12:41 PM | Show all posts
Originally posted by crammer at 7-10-2004 21:42:
ehehe .... saya nyata di sini base ape yg saya dapat dpt, disokong bukti ape yg dicetak pada buku ASB saya each year...

Nampak nye kena keluarkan formula dlm matematik la pulak, sebab rasa nya  ...



betul tu............!!!,:setuju:
Reply

Use magic Report

You have to log in before you can reply Login | Register

Points Rules

 

ADVERTISEMENT



 

ADVERTISEMENT


 


ADVERTISEMENT
Follow Us

ADVERTISEMENT


Mobile|Archiver|Mobile*default|About Us|CARI Infonet

28-3-2024 10:37 PM GMT+8 , Processed in 0.073869 second(s), 43 queries .

Powered by Discuz! X3.4

Copyright © 2001-2021, Tencent Cloud.

Quick Reply To Top Return to the list