Himpunan teknik teknik loan ASB

[AARCEMARA]

Thanks to all CGrians for your support..

I owe you all about the calculation to prove Berat Gajah = Berat Tikus..

I will prepared that calculation soon...stay tuned...

Thanks bro, your effort is highly appreciated i am one of the follower of yr thread without fail. Thanks again

 

[couchcorp]

Yup the best is understanding each others..
360 degree boleh pusing..

The reality is come to me...I had stuck to my OPM LASB..
+ LASB more than 200k cannot get 105 MOA...
Now My Cash provide dividen serve LASB..
My target now to allocate 100% of my wages as Saving...
And living with all OPM money and Dividen from the OPM...
When I died,,all insyurans will paid my OPM...
That why I avoid to make car loan...

Property have capital gain...but can you measure/calculate it?
Saya pernah membicarakan hala tuju property Buble di Malaysia dalam Thread AHB...

Dulu landed house meningkat,,sehingga sekarang ramai tidak mampu nak effort bayaran bulanan yang tinggi.And nak bagi sewa dengan harga yang murah??Lihat lah apa berlaku di Kota Damansara...
Orang prefer beli rumah dari menyewa,,owner berebut menurun harga sewa disana..
Dan Apartment menjadi sasaran,,think out the box...but remember yang indah tak selalunya berkekalan..
Think about your age,,how long tenure you can effort for property and how can you calculate the risk...
And the most important is LIQUIDITY. How fast you can let go your property?How long you can effort monthly payment to bank when your house don't have tenant?How much your maintenance,,fire insyurans?
And how many property you can manage? 2,4,8,10,14, or 50 houses?
How you want to deal with the penyewa gangster?Penyewa yang ada anak ganas-ganas(Kaki conteng),How you to verified Penyewa yang ada latar belakang Jenayah??

Azizi ali write the book about property millionaire...
But that is 7-8 year ago....
You have 100k can buy property cash but he prefer to buy 10houses with 10% downpayment...look back your commitment...
Are that statement relevan now?

ok..skrg sudah terang lagi bersuluh insurans byr cash lg untung..antara teknik 1 compare ngn teknik 2 n duit yg sepatutnya guna wat byr lasb kita park kat asd or asw..yg mana lagi untung ye Tuan Ikeda dlm usaha mempercepatkan proses kita mjadi JUTAWAN..

 

[abg_ngah]

beli tanah 5-6 ekar pastu pecah lot n jual pon ok gak kalau dh ada modal besar.

itu sasaran selepas ni la. main jual beli tanah lot dpt untung skit je.

Hee..he.. tengah buat..

 

[abg_ngah]

If cash tak cukup,,you must create more cash...

You already declare your age not young already,,you have to look back your risk management...

It is much better you lost dividen than you lost the principal..

U're rite tuan...

 

[Niyang]

Yer betul,,,

Mathematic tak akan tipu kita...
Cuma kita akan tertipu dengan Mathematic..
Saya akan buktikan Berat Tikus = Berat Gajah nanti melalui Algebra....tunggu masa sesuai saya akan reveal perkara ini disini...

Selamat mengikuti thread ini

wahh... nih dah men berat2 gajah dan tikus plak... makin menarik...

 

[mukuta]

Ini buktinya...

Loan with ASBRTA
Katakan ASBRTA = 5,000(Pakej 6.6%-1.65%=4.95%)
MOA loan anda 105,000 include dalam loan..
Cash 5,000 masuk dalam ASD
Layan loan 3 tahun(36 bulan)
Monthly = 610.76
Ammortize 36 bulan = 98,121.00
Dividen 7.5% ( Bonus skip )
Pendapatan ASB = 100,000 x 1.075^3 = 124,229.70
Pendapatan ASD = 5,000 x 1.065^3 = 6,039.75

Pendapatan after 36 bulan ASB = 124,229.70 - 98,121 = 26,108.70
Pendapatan dari ASD = 6,039.75 - 5,000 = 1,039.75
Total kesemua pendalapatan = 26,108.70 + 1,039.75 = 27,148.45
Total Modal 36 bulan = 610.76 x 36 = 21,987.36

ROI = (27,148.45 - 21,987.36) / 21,987.36 x % = 23.47%

Bagaimana pula jika ASBRTA bayar cash,,

ASBRTA bayar CASH
MOA loan anda 100,000

Layan loan 3 tahun(36 bulan)
Monthly = 581.68
Ammortize 36 bulan = 93,448.57
Dividen 7.5% ( Bonus skip )
Pendapatan ASB = 100,000 x 1.075^3 = 124,229.70

Pendapatan after 36 bulan ASB = 124,229.70 - 93,448.57 = 30,781.13
Pendapatan dari ASD = 0
Total kesemua pendalapatan = 30,781.13
Total Modal 36 bulan = 581.68 x 36 = 20,940.48

ROI = (30,781.13 - 20,940.48)/20,940.48 x % = 47%

Perbezaan yang amat ketara iaitu 2 x ganda beza ROI nya...

Sila hati hati dalam pengiraan Berat Tikus dan Berat Gajah..

salam..tuan ikeda dan lain2

mintak mahap yer klau soalan saya ni ***** ***** alang sikit

knapa duit dalam asd dikira dividennya shj knapa bkn pokoknya skali sebagai keuntungan..dlm 6k tu.mnakala klau byr cash duit tu dh mmg lsap kan..

btw.. dua dua kes ni akan dpt blik asbrta dlm 50-60 pc kan

harap ada sapa2 sudi menjawab coz esok nak sign agreement asbrta inclde dlm loan

thxx

 

[couchcorp]

ok..skrg sudah terang lagi bersuluh insurans byr cash lg untung..antara teknik 1 compare ngn teknik 2 n duit yg sepatutnya guna wat byr lasb kita park kat asd or asw..yg mana lagi untung ye Tuan Ikeda dlm usaha mempercepatkan proses kita mjadi JUTAWAN..

sy try kira sendiri..jika kita apply teknik 1 + asbrta byr cash 47% Roi

jika apply teknik 2 + asbrta byr cash + duit yg sepatutnya serve lasb kita park kt asd (6.5%)..Roi menyusut jd 43%..

Betul ke math sy ni Tuan Ikeda, Tuan alphaone n otai2 n bijak pandai yg lain..betulkn sy budak baru belajar

 

[snake_eye]

kalo kite bayar cash ASBRTA ni, kite terminate dalam mase 3-5 tahun..diorg still refund jugak balik kan???

 

[nurbij]

Ye tuan..still refund asbrta tuh..cuma amortize loan dpt ckit je la nti..

 

[asasindino]

asbrta apa benda ni? blh terangkan?