Cara Terbaik Maksimumkan ASB!!!

simbiosis

joz_a posted on 7-12-2013 01:09 AM
yes. ASB account dah active dalam maybank2u. dah transfer duit pun dlm tu. lega rs bila duit dh se ...

update buku boleh pergi any bank yang jadi agent ASB.

joz_a

aarie posted on 7-12-2013 01:25 AM
happy for you...

bila2 pergi bank update ler..

simbiosis posted on 7-12-2013 01:42 AM
update buku boleh pergi any bank yang jadi agent ASB.

TQ both. appreciate ur info. v helpful

lurve82

brape percent eh thn ni?

sepiITUindah

lurve82 posted on 12-12-2013 08:28 AM
brape percent eh thn ni?

a'aahhh bila nak umum ni
start tahun depan semua benda naik mencanak2

lurve82

sepiITUindah posted on 15-12-2013 04:53 PM
a'aahhh bila nak umum ni
start tahun depan semua benda naik mencanak2

biasa dorg announce dlm 20hb kan...xsabar wei nak tahu...

shades

22 hb ni da beku kan..x sabo nak tau berapa dividen bulan ini

cmf_Juju

damiqula posted on 6-12-2013 04:29 PM
so kesimpulannya amik max amount,with longest tenure.let say dalam tempoh 5 tahun,sy cancel.n appl ...

ye betul tapi by the time nak apply loan baru - umur dah meningkat & maybe tak boleh lagi dapat loan up to 25 years

damiqula

cmf_Juju posted on 16-12-2013 03:57 PM
ye betul tapi by the time nak apply loan baru - umur dah meningkat & maybe tak boleh lagi dapat lo ...

hmm kalau sy cancel within 5 years,n that time dh xboleh buat loan asb(mane la tau kerajaan dh stop kan ke),is it still worth my investment?

atau rugi?

cmf_Juju

Dividen ASB dah announce

Dividen 7.7 %
Bonus 1.00 %

Kurang sikit dari last year

cmf_Juju

damiqula posted on 16-12-2013 04:43 PM
hmm kalau sy cancel within 5 years,n that time dh xboleh buat loan asb(mane la tau kerajaan dh sto ...

ok nie pengiraan ie amortization table - for 5 years

Assume loan RM200K

Loan Data
Original Principal	$      200,000
Loan Term (Years)	25
Annual Interest Rate	5.05%
Payments per Year	12
Payment	$1,190.00
Month	Payment	Interest	Principal	Balance
0				200,000.00
1	1,190.00	841.67	333.35	199,666.65
2	1,190.00	840.26	334.75	199,331.90
3	1,190.00	838.86	336.16	198,995.74
4	1,190.00	837.44	337.57	198,658.17
5	1,190.00	836.02	338.99	198,319.18
6	1,190.00	834.59	340.42	197,978.76
7	1,190.00	833.16	341.85	197,636.90
8	1,190.00	831.72	343.29	197,293.61
9	1,190.00	830.28	344.74	196,948.88
10	1,190.00	828.83	346.19	196,602.69
11	1,190.00	827.37	347.64	196,255.04
12	1,190.00	825.91	349.11	195,905.94
13	1,190.00	824.44	350.58	195,555.36
14	1,190.00	822.96	352.05	195,203.31
15	1,190.00	821.48	353.53	194,849.78
16	1,190.00	819.99	355.02	194,494.75
17	1,190.00	818.50	356.51	194,138.24
18	1,190.00	817.00	358.02	193,780.22
19	1,190.00	815.49	359.52	193,420.70
20	1,190.00	813.98	361.03	193,059.67
21	1,190.00	812.46	362.55	192,697.11
22	1,190.00	810.93	364.08	192,333.03
23	1,190.00	809.40	365.61	191,967.42
24	1,190.00	807.86	367.15	191,600.27
25	1,190.00	806.32	368.70	191,231.57
26	1,190.00	804.77	370.25	190,861.33
27	1,190.00	803.21	371.81	190,489.52
28	1,190.00	801.64	373.37	190,116.15
29	1,190.00	800.07	374.94	189,741.21
30	1,190.00	798.49	376.52	189,364.69
31	1,190.00	796.91	378.10	188,986.59
32	1,190.00	795.32	379.70	188,606.89
33	1,190.00	793.72	381.29	188,225.60
34	1,190.00	792.12	382.90	187,842.70
35	1,190.00	790.50	384.51	187,458.19
36	1,190.00	788.89	386.13	187,072.06
37	1,190.00	787.26	387.75	186,684.31
38	1,190.00	785.63	389.38	186,294.93
39	1,190.00	783.99	391.02	185,903.90
40	1,190.00	782.35	392.67	185,511.24
41	1,190.00	780.69	394.32	185,116.92
42	1,190.00	779.03	395.98	184,720.94
43	1,190.00	777.37	397.65	184,323.29
44	1,190.00	775.69	399.32	183,923.97
45	1,190.00	774.01	401.00	183,522.97
46	1,190.00	772.33	402.69	183,120.28
47	1,190.00	770.63	404.38	182,715.90
48	1,190.00	768.93	406.08	182,309.81
49	1,190.00	767.22	407.79	181,902.02
50	1,190.00	765.50	409.51	181,492.51
51	1,190.00	763.78	411.23	181,081.28
52	1,190.00	762.05	412.96	180,668.32
53	1,190.00	760.31	414.70	180,253.61
54	1,190.00	758.57	416.45	179,837.17
55	1,190.00	756.81	418.20	179,418.97
56	1,190.00	755.05	419.96	178,999.01
57	1,190.00	753.29	421.73	178,577.28
58	1,190.00	751.51	423.50	178,153.78
59	1,190.00	749.73	425.28	177,728.50
60	1,190.00	747.94	427.07	177,301.43

So by the end of 5 years ie 60 months, bank akan refund RM200,000 - RM177,301.43 = RM22,698.57 nie yg kita dapat le but better terminate in Jan coz dapat bonus sekali .

Let say - bulan2 kita bayar kat bank RM1,190 x 60 months = RM71,400.00
Bonus yg kita dapat setiap tahun, let say 7.5% setahun = 7.5% x RM200,000 = RM15,000 x 5 years = RM75,000

Total keuntungan yg dapat
RM75,000 + RM22,698.57 = RM97,698.57 - RM71,400 (monthly payment for 5 years )
Keuntungan bila terminate after 5 years = RM26,298.57

aina_shaira

cmf_Juju posted on 20-12-2013 06:49 PM
ok nie pengiraan ie amortization table - for 5 years

Assume loan RM200K

boleh tak kira 50k utk 25tahun.

u rasa dividen tue elok guna atau recycle utk bayar every month utk org yg susah nak menyimpan?

kebanyakan org buat duit dividen asb utk ape? guna utk bayar atau enjoy?

cmf_Juju

aina_shaira posted on 22-12-2013 06:34 AM
boleh tak kira 50k utk 25tahun.

u rasa dividen tue elok guna atau recycle utk bayar every month ...

berapa monthly payment u - i masuk dlm amortization table

bagi i terpulang kat individu - boleh je nak enjoy atau nak gunakan duit tu bayar untuk setahun for the following year . So bulan2 tak de commitment

aina_shaira

cmf_Juju posted on 22-12-2013 10:10 AM
berapa monthly payment u - i masuk dlm amortization table

bagi i terpulang kat individu - boleh ...

sy bayar tiap2 bulan Rm310

kau244

Wat loan asb 150k ambik tempoh max. Bayar rendah dividen tinggi tahun tu cover loan. Satu lg klu boleh 5 thn pertama dividen jgn usik bila masuk thn ke enam kompom kita terus x kn usik dividen tu sebab kewangan dah stabil.

aina_shaira

tapi masalahnya tetap rasa nk usik dividen tu, rasa mcm nk bli handbag, baju, make up, aksesori, travelling etc

tina^^

2 Jan nie dah bole joli joli duit dividend kan??? (cakap ajek nak joli, biler tgk duit dah beranak, makin sayang nak kuar ader.....hihihihi)

lurve82

aku dgn hubby dah 4thn rm200k...so kitaorg decide bln depan lpas amik div terus terminate...lepas tu bukak loan baru pulak...

aina_shaira

ASB utk tahun 2014 dah tak boleh buat dah kan?

kolpley

buat LASB max 200k last year.tiap2 bula bayo 1.2k..so baru nk merasa 'hasilnya' tahun ni...
tgh timbang2 sama ada:
  (a)xyah usik dividen bagi dia beranak pinak atau
  (b)rolling utk 2nd year installment atau
  (c)invest bende lain yg mudah liquid mcm unit trust so bole dpt cash utk bayar monthly isntalment LASB

any wise thought?klu ikutkan mcm nak buat yang (b) sebab tahun ni dah start kena bayar full house loan installment so I need some cash saving nk renovate rumah,travel,etc

ladyqaisara

aina_shaira posted on 2-1-2014 01:51 PM
ASB utk tahun 2014 dah tak boleh buat dah kan?

ada jer kempen utk tahun depan....siap promote kt luar RHB lagi...