calculet asb rm 200 ribu

Tahun	Wang Sendiri				Pinjaman ASB (5.5% p.a., 20 yrs)
	ASB Units	Pengeluaran Tunai	Pulangan (8.5%)	Keuntungan Tunai	ASB Units	Pengeluaran Tunai	Pulangan (8.5%)	Keuntungan Tunai
1	10,000	(RM10,000)	RM0	(RM10,000)	200,000	(RM16,509)	RM0	(RM16,509)
2	20,000	(RM10,000)	RM850	(RM9,150)	200,000	(RM16,509)	RM17,000	RM491
3	30,000	(RM10,000)	RM1,700	(RM8,300)	200,000	(RM16,509)	RM17,000	RM491
4	40,000	(RM10,000)	RM2,550	(RM7,450)	200,000	(RM16,509)	RM17,000	RM491
5	50,000	(RM10,000)	RM3,400	(RM6,600)	200,000	(RM16,509)	RM17,000	RM491
6	60,000	(RM10,000)	RM4,250	(RM5,750)	200,000	(RM16,509)	RM17,000	RM491
7	70,000	(RM10,000)	RM5,100	(RM4,900)	200,000	(RM16,509)	RM17,000	RM491
8	80,000	(RM10,000)	RM5,950	(RM4,050)	200,000	(RM16,509)	RM17,000	RM491
9	90,000	(RM10,000)	RM6,800	(RM3,200)	200,000	(RM16,509)	RM17,000	RM491
10	100,000	(RM10,000)	RM7,650	(RM2,350)	200,000	(RM16,509)	RM17,000	RM491
11	110,000	(RM10,000)	RM8,500	(RM1,500)	200,000	(RM16,509)	RM17,000	RM491
12	120,000	(RM10,000)	RM9,350	(RM650)	200,000	(RM16,509)	RM17,000	RM491
13	130,000	(RM10,000)	RM10,200	RM200	200,000	(RM16,509)	RM17,000	RM491
14	140,000	(RM10,000)	RM11,050	RM1,050	200,000	(RM16,509)	RM17,000	RM491
15	150,000	(RM10,000)	RM11,900	RM1,900	200,000	(RM16,509)	RM17,000	RM491
16	160,000	(RM10,000)	RM12,750	RM2,750	200,000	(RM16,509)	RM17,000	RM491
17	170,000	(RM10,000)	RM13,600	RM3,600	200,000	(RM16,509)	RM17,000	RM491
18	180,000	(RM10,000)	RM14,450	RM4,450	200,000	(RM16,509)	RM17,000	RM491
19	190,000	(RM10,000)	RM15,300	RM5,300	200,000	(RM16,509)	RM17,000	RM491
20	200,000	(RM10,000)	RM16,150	RM6,150	200,000	(RM16,509)	RM17,000	RM491
21	210,000	RM0	RM17,000	RM17,000	200,000	RM0	RM17,000	RM17,000
	Jumlah Pulangan Tunai:			(RM21,500)	Jumlah Pulangan Tunai:			RM9,814

- See more at: http://loanstreet.com.my/ms/pusat-pembelajaran/pinjaman-asb-dijelaskan#sthash.iTMqgxfI.dpuf

Beza Simpanan Dengan ASB Loan/Roughly (Dividen;7.65+Bonus;1.15 set of last year)

Item	Simpanan Biasa/Bank RM 180/Bln	Pinjaman ASB RM 180/Bln
Jumlah Tahun Pertama	RM 180 × 12 = RM 2,160	Pinjaman tersedia RM 30,000
Keuntungan Hujung Tahun	RM 2,160 × 8% = RM 172.80	RM 30,000 × 8% = RM 2,400
Selepas 25 Tahun	(2160×25)+(172.80×25)= RM 58,320	30k+(2400×25)= 30k+60k RM90++k
Jika Bayar Guna Keuntungan.	-	RM 2,400 – RM 2,160 = RM 240
Insurans	Tiada/Terhad	Perlindungan Terjamin

Item	Simpanan Biasa/Bank RM 291/Bln	Pinjaman ASB RM 291/Bln
Jumlah Tahun Pertama	RM 291 × 12 = RM 3,492	Pinjaman tersedia RM 50,000
Keuntungan Hujung Tahun	RM 3,492 × 8% = RM279.36	RM 50,000 × 8% = RM 4,000
Selepas 25 Tahun	(3,492×25)+(279.36×25)= RM 94,284	50k+(4000×25)= 50k+100k RM150++k
Jika Bayar Guna Keuntungan.	-	RM 4,000 – RM 3,492 = RM 508
Insurans	Tiada/Terhad	Perlindungan Terjamin

Item	Simpanan Biasa/Bank RM 600/Bln	Pinjaman ASB RM 600/Bln
Jumlah Tahun Pertama	RM 600 × 12 = RM 7,200	Pinjaman tersedia RM 100,000
Keuntungan Hujung Tahun	RM 7,200× 8% = RM576.00	RM 100,000 × 8% = RM 8,000
Selepas 25 Tahun	(7,200×25)+(576×25)= RM 194,400	100k+(8000×25)= 100k+200k RM300++k
Jika Bayar Guna Keuntungan.	-	RM 8,000 – RM 7,200 = RM 800
Insurans	Tiada/Terhad	Perlindungan Terjamin

Item	Simpanan Biasa/Bank RM 1200/Bln	Pinjaman ASB RM 1200/Bln
Jumlah Tahun Pertama	RM 1200 × 12 = RM 14,400	Pinjaman tersedia RM 200,000
Keuntungan Hujung Tahun	RM 14,400× 8% = RM1,152	RM 200,000 × 8% = RM 16,000
Selepas 25 Tahun	(14,400×25)+(1,152×25)= RM 388,880	200k+(16,000×25)= 200k+400k RM600++k
Jika Bayar Guna Keuntungan.	-	RM16,000–RM14,400=RM 1600
Insurans	Tiada/Terhad	Perlindungan Terjamin