ASB to invest in bank loan, Profit @ Loss? THINK-THINK ... | Financial Management in Malaysia t&t supermarket
If I am not mistaken, yet there are people who give an answer t&t supermarket whether profit or loss for the ASB loan. So let me share some of my knowledge whether or not the lovely lovely ASB loan for this.
I made this analysis only briefly and does not intend to discredit untukmemburuk particular party. Just for your consideration before t&t supermarket deciding to make the ASB Loan (ASB with money to invest into bank loans).
Storage of samples ASB RM 100,000 which consists of Deposit RM 5,000 while RM 95,000 bank loan at the rate of BLR + 0.5% (ie 6.9% per year) ==> RM 731 monthly fee for a period of 20 years.
Example: A dividend of 7% per annum, you will be able to RM 7,000 per year. Can be spent on anything t&t supermarket you like and at the end of 20 years, you will receive RM100,000 which can be used to buy a home, children's education and so on.
Method A - Use a dividend to repay loans ----------------------
The results of my calculations using software Optimoney, if a dividend of 7% per annum or RM7,000 is repaid KPD bank to reduce the balance t&t supermarket of your loan, your loan ASB expected to be completed within 7 years and 6 months with full payment amount over $ 120.82 (including t&t supermarket deposit RM5,000 and RM7,000 dividend paid annually) This means, you have to pay RM 120,000 to get RM100,000 after 7 to 8 years.
If you invest in ASB RM 731 per month for 8 years already, t&t supermarket your savings will be RM94,260. Plus deposit RM 5,000 saved for 8 years and future value is Rs 8,590. t&t supermarket Total value of your investment t&t supermarket = RM102,850. Dah dah over RM100,000.
Method B - Spent dividend annually and monthly maintainmembayar KPD loan --------------------------------
For RM 95,000 loan for 20 years at a rate of 6.9% per year, the number of full payment after 20 tahunadalah RM 175.359 (cost) With dividends RM 7,000 for 20 years = RM 140,000 and the money ASB after 20 years = RM 100,000 (+) Money Received = > RM 240,000
However, t&t supermarket if we take into account your willingness and ability to maintain a monthly fee of RM 731 for 20 years, you really a big loss. This is because the storage RM 731 to the ASB for the past 20 years, the value of your investment will be RM 383,018! This means that, as you take the ASB loan from the bank, you lose 'potential gain'.
Total Value if you keep it to yourself = RM 383,018 Total gain if you take the loan = - RM 240,000 RM 143.018 --------------------- Profit Loss
With a capital of RM 95,000 loan, the bank received RM175,359 from you over 20 years. This means that they profit more than RM 80,000 of profit ASB you can get if you save yourself t&t supermarket money. The problem, banks can not invest in ASB because ASB Adal h for indigenous people. With ASB loan, they can make profit from ASB dividend they take from your investment.
on January 3, 2007 at 5:25 am | Reply albattar
Only the author only take into account t&t supermarket factors calculative only. He forgot to take into account the factors of human psychology. In the world there are two kinds of people, first of a kind that is able to discipline yourself. The problem is human nature, and there are not many among those who have a quality leader. While the second type is the man who needs to be disciplined by others. Because the history of human civilization is filled with the law. Whether laws designed by the man himself or any law that comes from the Almighty. The law is what will make people from both groups ni disciplined. Without the law they will be indeterminate way, chaos, chaos.
The second group is more and they are not the type of leader t&t supermarket and not the kind a lot of money. I think most of them have discipline problems to keep their own money for future savings because there's no law that obliges them to this store (except for EPF contributions for which only one wage earner only). While they have no problem paying for maintaining discipline t&t supermarket bank loan for a car or house and so on because of the law.
During the ASB loan launched, I have been thinking t&t supermarket and thinking carefully, as this method does not bring benefits to ban apa2
If I am not mistaken, yet there are people who give an answer t&t supermarket whether profit or loss for the ASB loan. So let me share some of my knowledge whether or not the lovely lovely ASB loan for this.
I made this analysis only briefly and does not intend to discredit untukmemburuk particular party. Just for your consideration before t&t supermarket deciding to make the ASB Loan (ASB with money to invest into bank loans).
Storage of samples ASB RM 100,000 which consists of Deposit RM 5,000 while RM 95,000 bank loan at the rate of BLR + 0.5% (ie 6.9% per year) ==> RM 731 monthly fee for a period of 20 years.
Example: A dividend of 7% per annum, you will be able to RM 7,000 per year. Can be spent on anything t&t supermarket you like and at the end of 20 years, you will receive RM100,000 which can be used to buy a home, children's education and so on.
Method A - Use a dividend to repay loans ----------------------
The results of my calculations using software Optimoney, if a dividend of 7% per annum or RM7,000 is repaid KPD bank to reduce the balance t&t supermarket of your loan, your loan ASB expected to be completed within 7 years and 6 months with full payment amount over $ 120.82 (including t&t supermarket deposit RM5,000 and RM7,000 dividend paid annually) This means, you have to pay RM 120,000 to get RM100,000 after 7 to 8 years.
If you invest in ASB RM 731 per month for 8 years already, t&t supermarket your savings will be RM94,260. Plus deposit RM 5,000 saved for 8 years and future value is Rs 8,590. t&t supermarket Total value of your investment t&t supermarket = RM102,850. Dah dah over RM100,000.
Method B - Spent dividend annually and monthly maintainmembayar KPD loan --------------------------------
For RM 95,000 loan for 20 years at a rate of 6.9% per year, the number of full payment after 20 tahunadalah RM 175.359 (cost) With dividends RM 7,000 for 20 years = RM 140,000 and the money ASB after 20 years = RM 100,000 (+) Money Received = > RM 240,000
However, t&t supermarket if we take into account your willingness and ability to maintain a monthly fee of RM 731 for 20 years, you really a big loss. This is because the storage RM 731 to the ASB for the past 20 years, the value of your investment will be RM 383,018! This means that, as you take the ASB loan from the bank, you lose 'potential gain'.
Total Value if you keep it to yourself = RM 383,018 Total gain if you take the loan = - RM 240,000 RM 143.018 --------------------- Profit Loss
With a capital of RM 95,000 loan, the bank received RM175,359 from you over 20 years. This means that they profit more than RM 80,000 of profit ASB you can get if you save yourself t&t supermarket money. The problem, banks can not invest in ASB because ASB Adal h for indigenous people. With ASB loan, they can make profit from ASB dividend they take from your investment.
on January 3, 2007 at 5:25 am | Reply albattar
Only the author only take into account t&t supermarket factors calculative only. He forgot to take into account the factors of human psychology. In the world there are two kinds of people, first of a kind that is able to discipline yourself. The problem is human nature, and there are not many among those who have a quality leader. While the second type is the man who needs to be disciplined by others. Because the history of human civilization is filled with the law. Whether laws designed by the man himself or any law that comes from the Almighty. The law is what will make people from both groups ni disciplined. Without the law they will be indeterminate way, chaos, chaos.
The second group is more and they are not the type of leader t&t supermarket and not the kind a lot of money. I think most of them have discipline problems to keep their own money for future savings because there's no law that obliges them to this store (except for EPF contributions for which only one wage earner only). While they have no problem paying for maintaining discipline t&t supermarket bank loan for a car or house and so on because of the law.
During the ASB loan launched, I have been thinking t&t supermarket and thinking carefully, as this method does not bring benefits to ban apa2
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