TRICK PERTAMA

RF = Guna 15K untuk cover  1 Tahun  loan ASB 200K

LOAN ASB AMOUNT LOAN PAYMENT/MONTH MONTH LOAN PAYMENT ANNUM ASB PERIOD ASB PRINSIPAL AMOUNT ASB DIVIDEN % ASB DIVIDEN ANNUM
200000 1164 12 13968(RF) 1 200000 7.00% 14000
  2 200000 7.00% 14000
  3 200000 7.00% 14000
  4 200000 7.00% 14000
  5 200000 7.00% 14000
  70000
   
   
   
AFTER 5 YEARS LAST DIVIDEN
  LAST DIVIDEND 14000
  SURRENDER VALUE IF DIVIDEND 8% 23000
  10000
  47000
  Baki Personal Loan(15000) 9000
  38000
             
Hanya perlu bayar = 175 * 60 Months = RM 10 500 dan dapat semula dalam anggaran RM38000 selepas 5 tahun.Dua-dua loan pun settle(Islamic loan).


p/s: Tertakluk kepada syarat-syarat sedia ada









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