Skim EPP melalui bank:
RM10,000 X 5%
=RM500
*min payment is RM500
Bank officer tanpa jemu akan telefon/ganggu anda
Melalui kami
RM10,000+NEW INT / 36 mth
=RM 338.75
*min payment is RM50 or 5%
No call from bank officer
Contoh Pengiraan
SITUASI
Kad Anda: Maybank
Had kredit: RM10K
Baki tertunggak: RM8K
Tempuh: 36 bulan (3 thn) - dipilih oleh anda
One Time Fee: 6% x 3 thn = RM18%. (rujuk jadual)
Penyelesaian :
Secara amnya, ada 3 cara pengiraan (Pakej A, Pakej B & Pakej C) bergantung kepada keperluan anda;
Pakej A (Guna had kredit penuh)
Jumlah pelan EPP : RM10,000
One time fee : RM10,000 x 18%* = RM1,800
Baki bersih : RM10,000 - RM1,800 = RM8,200
Tunai dipulangkan kpd anda : RM8,200 (baki bersih) - RM8,000 (baki
tertunggak) = RM200
Bayaran bulanan : RM10,000/36 bln = RM277.78 sebulan
Pakej B (Secara tepat)
Jumlah pelan EPP : RM8,000/(100 - 18) = RM8,000/0.82 = RM9756**
**One time fee : RM9756 x 18% = RM1756 (telah termasuk dalam
jumlah pelan EPP)
Baki bersih : RM9,756 - RM1,756 = RM8,000
Tunai dipulangkan kpd anda : RM8,000 (baki bersih) - RM8,000 (baki
tertunggak) = RM0.00
Bayaran bulanan = RM9756/36 bln = RM271.00 sebulan
Pakej C ("one time fee" dibayar tunai)
Jumlah pelan EPP : RM8,000
One time fee : RM8,000 x 18% = RM1,440 (dibayar tunai)
Bayaran bulanan : RM8,000/36 bln = RM222.22 sebulan
Pilihan di tangan anda !!
*Kadar faedah tertakluk kepada perubahan, adakala naik adakala turun...