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Amirul Aslam @aslamisme
, 8 tweets, 2 min read Read on Twitter
ASB-Financing ni memang menguntungkan bank? Betul. Serius tak tipu, memang betul pun benda ni.

Ini adalah penjelasannya.
Contohlah kau buat ASB-Financing 200K. Dengan interest rate 5%, kau kena bayar dekat bank lebih kurang 1074 setiap bulan.

Katalah kau buat ASBF tu untuk 5 tahun, lepas tu kau terminate. Berapa yang bank akan untung?
Bank akan untung dalam RM48K+. Gila banyak kan?

Tapi, tapi.

Memanglah bank nak untung, sebab dia entiti perniagaan. Sekarang jom kira berapa pulak kau untung?
Yang kau akan dapat lepas 5 tahun lebih kurang 93,590. Yang kau bayar selama 5 tahun dalam 64,380.

Jadi kau untung: RM29,210.
Nampak? Sebenarnya dua-dua pun untung. Bank untung, kau pun untung. Kalau kau ada 200K dan nak terus letak dalam ASB, tentulah tu lagi untung.

Tapi tu lahhhh.

Bukan setakat 200K, nak kumpul 20K pun susah 😅
Kalau ada apa2 pertanyaan mengenai A$B-Financing ni, bolehlah roger aku: aslamisme.wasap.my
Penafian:

Tulisan ini adalah atas kapasiti penulis sendiri dan tidak mewakili mana2 pihak bank atau syarikat yang mengawal-selia dana unit amanah.

Kiraan anggaran dikira berdasarkan anggaran interest rate 5% dan dividen 6.75%.
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