200000 rm2797 for 7 years

step1
year invest diveden / bonus
1 200000 15000
2 215000 16125
3 231125 17334.375
4 248459.38 18634.453125

years of inst total

2797 for 7 234948
2797 for 3 100692

diff 134256

diveden/ bonus after 3 years 248459.4

nett profit after 3 years 114203.4

profit after 3 years 13511.4

yearly bonus 4503.8

years of inst total

2797 for 7 234948
2797 for 3 100692

diff 134256

diveden/ bonus after 3 years 248459.4

nett profit after 3 years 114203.4
 100000 450.14 for 5 years

step1
year invest diveden / bonus
1.00 100000.00 7500.00
2.00 107500.00 8062.50
3.00 115562.50 8667.19
4.00 124229.69 9317.23
5.00 133546.91 10016.02

years of inst total

450.14 for 5 27,008.40 b
1,901.40 for 5 114,084.00
Commit 141,092.40

diff 114,084.00

diveden/ bonus after 5 years 33,546.91

nett profit after 5 years (80,537.09)

profit after 3 years -194621.086

yearly bonus -64873.6953
 100000 450.14

step1
year invest diveden / bonus
1.00 100,000.00 7,500.00
2.00 107,500.00 8,062.50
3.00 115,562.50 8,667.19
4.00 124,229.69 9,317.23
5.00 133,546.91 10,016.02
6 143,562.93 10,767.22
7 154,330.15 11,574.76

years of inst total

72991.6 450.14 for 5 27,008.40
1,901.40 for 2 45,633.60

Year 10 Commit 141,092.40

diff 68,450.40

diveden/ bonus after 7 years 54,330.15

nett profit after 7 years (14,120.25)

profit after 7 years (59,753.85)

yearly bonus (19,917.95)
for 5 years

b 72991.6
Easy-ASB Repayment Schedule

Interest
Loan Monthly repayment amount for
only
repayment
Amount subsequent years (RM)
for

first 5 years
(RM) 5 10
(RM)

Years Years
10,000 45.01 190.59 108.04
20,000 90.03 380.68 215.58
30,000 135.04 570.77 323.11
40,000 180.05 760.86 430.65
50,000 225.07 950.95 538.19
60,000 270.08 1,141.04 645.73
70,000 315.1 1,331.13 753.27
80,000 360.11 1,521.22 860.8
90,000 405.12 1,711.31 968.34
100,000 450.14 1,901.40 1,075.88

Loan 100,000 in 10 years

Monthly 60 months
First 5 years 450.14 27,008.40
Second 5 years 1,901.40 114,084.00
Total pay in 10 years 141,092.40

Income from 100,000 for ASB

Invest Income
Year 1 100,000.00 7,500.00
Year 2 107,500.00 8,062.50
Year 3 115,562.50 8,667.19
Year 4 124,229.69 9,317.23
Year 5 133,546.91

Revenue 133,546.91
Paid 27,008.40
Total Payment 141,092.40
Income 19,462.91
Income per year 3,892.58
Income per month 324.38

Loan 30,000 in 10 years

Monthly 60 months
First 5 years 135.04 8,102.40
Second 5 years 570.77 34,246.20
Total pay in 10 years 42,348.60

Invest Income
Year 1 30,000.00 2,250.00
Year 2 32,250.00 2,418.75
Year 3 34,668.75 2,600.16
Year 4 37,268.91 2,795.17
Year 5 40,064.07

Revenue 40,064.07
Paid 8,102.40
Total Payment 42,348.60

Income 5,817.87
Income per year 1,163.57
Income per month 96.96
ment amount for
Total Payment Interest Total Payment + Interest

t years (RM)

15 20 5 10

Years Years Years Years

81.15 68.16 2,700.60 3,653.55 4,733.95
161.8 135.83 5,401.80 7,305.20 9,461.00
242.45 203.49 8,102.40 10,956.25 14,187.35
323.1 271.16 10,803.00 14,607.30 18,913.80
403.75 338.82 13,504.20 18,258.95 23,640.85
484.41 406.48 16,204.80 21,910.00 28,367.30
565.06 474.15 18,906.00 25,561.65 33,094.35
645.71 541.81 21,606.60 29,212.70 37,820.70
726.36 609.48 24,307.20 32,863.75 42,547.15
807.01 677.14 27,008.40 36,515.40 47,274.20

Loan 100,000 in 10 years

Monthly 60 months
First 5 years 450.14 27,008.40
Second 5 years 1,901.40 114,084.00
Total pay in 10 years 141,092.40

Income from 100,000 for ASB

Invest Income Income / month

Year 1 100,000.00 7,500.00 625.00
Year 2 107,500.00 8,062.50 671.88
Year 3 115,562.50 8,667.19 722.27
Year 4 124,229.69 9,317.23 776.44
Year 5 133,546.91 10,016.02 834.67
Year 6 143,562.93 10,767.22 897.27
Year 7 154,330.15 11,574.76 964.56
Year 8 165,904.91 12,442.87 1,036.91
Year 9 178,347.78 13,376.08 1,114.67
Year 10 191,723.87 14,379.29 1,198.27
Revenue 191,723.87
Paid 141,092.40
Total Paym 141,092.40

Income 191,723.87

Loan 30,000 in 10 years

Monthly 60 months
First 5 years 135.04 8,102.40
Second 5 years 570.77 34,246.20
Total pay in 10 years 42,348.60

Invest Income
Year 1 30,000.00 2,250.00
Year 2 32,250.00 2,418.75
Year 3 34,668.75 2,600.16
Year 4 37,268.91 2,795.17
Year 5 40,064.07 3,004.81
Year 6 43,068.88 3,230.17
Year 7 46,299.05 3,472.43
Year 8 49,771.47 3,732.86
Year 9 53,504.33 4,012.83
Year 10 57,517.16 4,313.79

Revenue 57,517.16
Paid 42,348.60
Total Paym 42,348.60

Income 57,517.16
Income per 5,751.72
Income pe 479.31
 15 20

Years Years
5,951.20 7,314.40

Loan 100,000 in 10 years

Monthly 60 months
First 5 years 450.14 27,008.40
Second 5 years 1,901.40 114,084.00
Total pay in 10 years 141,092.40

Income from 100,000 for ASB

Difference Invest Income Income / month

174.86 Year 1 100,000.00 7,500.00 625.00
221.74 Year 2 100,000.00 7,500.00 625.00
722.27 Year 3 100,000.00 7,500.00 625.00
326.30 Year 4 100,000.00 7,500.00 625.00
384.53 Sum Year 5 100,000.00 7,500.00 625.00
(1,004.13) Year 6 100,000.00 7,500.00 625.00
(936.84) Year 7 100,000.00 7,500.00 625.00
(864.49) Year 8 100,000.00 7,500.00 625.00
(786.73) Year 9 100,000.00 7,500.00 625.00
(703.13) Year 10 100,000.00 7,500.00 625.00
(2,465.63) Total

Revenue 100,000.00
Paid 67,500.00
Total Payment 141,092.40

Income 26,407.60

Loan 30,000 in 10 years

Monthly 60 months
First 5 years 135.04 8,102.40
Second 5 years 570.77 34,246.20
Total pay in 10 years 42,348.60

Invest Income
Year 1 30,000.00 2,250.00
Year 2 30,000.00 2,250.00
Year 3 30,000.00 2,250.00
Year 4 30,000.00 2,250.00
Year 5 30,000.00 2,250.00
Year 6 30,000.00 2,250.00
Year 7 30,000.00 2,250.00
Year 8 30,000.00 2,250.00
Year 9 30,000.00 2,250.00
Year 10 30,000.00 2,250.00

Revenue 30,000.00
Paid 20,250.00
Total Payment 42,348.60

Income 7,901.40
Income per year 790.14
Income per month 65.85
Difference ASB Invest ASB Profit Payment Per year Difference
174.86 100,000.00 5,401.68
174.86 107,500.00 7,500.00 5,401.68
625.00 115,562.50 8,062.50 5,401.68
174.86 124,229.69 8,667.19 5,401.68
174.86 Sum 133,546.91 9,317.23 5,401.68
(1,276.40) 130,762.15 10,016.02 22,816.80 (12,800.78)
(1,276.40) 127,768.53 9,807.16 22,816.80 (13,009.64)
(1,276.40) 124,341.53 9,582.64 22,816.80 (13,234.16)
(1,276.40) 120,432.99 9,325.62 22,816.80 (13,491.18)
(1,276.40) 115,974.28 9,032.47 22,816.80 (13,784.33)
(5,057.56) Total 110,888.02 8,698.07
pay using ASB profit
 Pinjam 50 k bayar ASB loan + AM Bank Koperasi
AmBank 14 tahun 50 k 421.43
ASB 5 tahun 50k 920
Total Monthly 1341.43
44,000 32.8008170385335

ASB Loan 50,000 in 5 years

Monthly
First 3 years 920.00 33,120.00
Balance 2 years 920.00 22,080.00
Total pay in 10 years 55,200.00

Income from 50,000 for ASB

Invest Income
Year 1 50,000.00
Year 2 53,750.00 3,750.00
Year 3 57,781.25 4,031.25
Year 4 62,114.84 4,333.59
Year 5 66,773.46 4,658.61

Revenue 66,773.46
Paid 33,120.00
Total Payment 55,200.00
Income 44,693.46
payment per year
ASB AMBank Total

11,040.00 5,057.16 16,097.16