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Cara kira keuntungan ASB Loan

minta komen otai2 n tn ikeda...
saya buat lasb1 rm100k & lasb2 rm100k (terpaksa buat 2, kekangan umur)lasb1 termasuk absrta tp lasb2 byr cash absrta lbh krg 4.5K. Byrn bln RM790 x 2 (RM1580).

Thn 1 : LASB1 & LASB2 teknik 1
Thn 2 : LASB1 (teknik 1) & LASB2 (teknik 2)

cdgn bln ke 25, terminate...boleh tak check kiraan saya:

LASB1 + LASB2 (2OOK) - monthly RM1580
2 thn modal (teknik 1 + teknik 2) RM28405

LASB + Div (bln 25) RM218854, ammortize RM186092, nett RM32761
ROI 15.34% (1 thn ROI 8%). Ok tak mcm tu , klu ada pembetulan @ cdngan lain hrp dpt membantu. tqvm.

umur 43 thn, tempoh 16 thn, insurans rm4580 (LASB1 + insurans)& insurans rm4580 (LASB2 tak termsk insurans...byr cash).
LASB1 - TEKNIK 1

T1 : Div 7.5% = rm7500.00
T2 : Div 7.5% = rm8062.50
Prinsipal Claim = 100k - 95166.45 = rm4833.55
ASBRTA Claim = 60% x rm4580 = rm2748
* assume 25% (wakalah fee) 15% (susut nilai serahan 2 tahun)

LASB2 - TEKNIK 2 TAHUN 2

T1 : Div 7.5% = rm7500.00
T2 : Div 7.5% = rm7757.81
* assume rm625 dikeluarkan setiap bulan dan topup duit sendiri rm130
Prinsipal Claim = 100k - 90998.71 = rm9001.29
ASBRTA Claim = 60% x rm4580 = rm2748

Modal = LASB1 (790*12*2) + LASB2 (755*12 + 130*12 + 4580) = RM34160
Cash on hand = rm 42651.15

ROI = (42651.15 - 34160)/34160 x 100 = 24.86%
ROI tahunan = 24.86/2 = 12.43%

* bonus tidak diambil kira
* div % hanya anggaran

harap dapat membantu.. :)cgrock

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