ASB Loan atau Simpan Sendiri ASB... Mana Lebih Untung? -

Ramai orang tanya saya pasal benda ni... berikut ialah calculation saya.

Assumed Variables :

Keuntungan ASB = 7%

Package Bank = BLR - 1.75%

BLR = 5.55%

Calculated Monthly Basis = 7% / 12 = 0.58% (Non-Compounded Monthly, But Compounded Yearly)

Senario Bank ASB Loan.

ASB Loan = RM 200k.

Tahun = 20 Tahun

Bulanan = RM 1355

Senario Simpan Sendiri

Simpan Bulan-Bulan = RM 1355

Selepas 20 Tahun ...

Senario Bank ASB Loan.

Anda Dapat :

Total in Hand = RM 773,937

Tolak bayar bulan bulan = RM RM 325 200

So BERSIH sebenarnya = RM 448,737

BANK DAPAT :

Duit yg anda bayar bulan-bulan = RM 325 200

Senario Simpan Sendiri

Total inclusive 'COMPOUNDED INTEREST' = RM 1,216,983 !!!

(Tapi kena pakai 2 account sebab maximum own money cuma RM 200k per pelabur so:

Account 1 = RM 200k + Account 2 = RM 125,500 = RM 325,500 total own money)