Input Field

June 17, 2016

Internal Eligibility Checking Sheet

Comparision

Input Transaction Parameters

Tenure of transaction (years):
Transaction IRR
Takaful Contribution Rate

For Same ten

Monthly Insta
3
12.93%
0.298%

Cost of Property (Rs):

Customer Share
Financing Requested
BIR

Output: Easy Home Buyer

Status

2,300,000
1,800,000
500,000
22%

Total cost

Eligible

Total Units
Price / Unit

36
13,889

Rent/Unit
First Rent

First Monthly payment

19,276 (First Rent + Unit Price)

149.65
5,388

Meezan Bank
Monthly Insta
Total Rent
Unit
Total Cost

Output: Easy Home Builder, Renovate, Replacement

Total Units
Price / Unit
Monthly payment for 1-12 month
Monthly payment for 13 month

24
20,833

Rent/Unit
First Rent

224.48
5,388

5,388 (First Rent)

Difference

26,221 (First Rent + Unit Price)

Income Qualification Criteria

Actual
Applicant
Co-Applicant
1,000,000
-

A
B
C

Net Income
Less: Loan Deduction
Net Take Home

D
E

Income Available for DBR Calc

Current DBR

F
G
H

Max Allowed DBR

Max Monthly Payment
First actual Monthly Payment

40%

Allowed BIR for Category

Max Financing Allowed

70%

1,000,000
C1+(C2 * 0.5)
C/D

1,000,000
0%

400,000
19,276

10,375,387

2%

Status
###
###

Easy Home
Home Buyer
Input Fields
House Cost Price
Customer Share
Bank Share
Profit Rate *
Takaful Rate

Result Fields
2,300,000
1,800,000
500,000
12.93%

Tenure in Years
Total Units
Unit Sale Price
Monthly Rent/Unit

3
36
13,889
149.65

* The profit rate for EasyHome is a floating rate based on avg of '12-month KIBOR'. The rental are fixed for every 12 month period and may fluctuate
to reflect the changes in KIBOR in the subsequent months.
Tentative Calculation Schedule
Months
Rent

Unit Price

Takaful Contribution

0
1
2
3
4
5
6
7
8
9
10
11
12

5,388
5,238
5,088
4,939
4,789
4,639
4,490
4,340
4,190
4,041
3,891
3,741

13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889

0
0
0
0
0
0
0
0
0
0
0
0

13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

3,592
3,442
3,292
3,143
2,993
2,843
2,694
2,544
2,394
2,245
2,095
1,945
1,796
1,646
1,497
1,347
1,197
1,048
898
748
599
449
299
150
0
-150
-299
-449
-599
-748
-898
-1,048
-1,197
-1,347
-1,497
-1,646
-1,796
-1,945
-2,095
-2,245
-2,394
-2,544
-2,694
-2,843
-2,993
-3,143
-3,292
-3,442

13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Monthly Payment

Balance Unit Price

Balance Units

19,276
19,127
18,977
18,827
18,678
18,528
18,378
18,229
18,079
17,930
17,780
17,630

500,000
486,111
472,222
458,333
444,444
430,556
416,667
402,778
388,889
375,000
361,111
347,222
333,333

36
35
34
33
32
31
30
29
28
27
26
25
24

17,481
17,331
17,181
17,032
16,882
16,732
16,583
16,433
16,283
16,134
15,984
15,834
15,685
15,535
15,385
15,236
15,086
14,936
14,787
14,637
14,488
14,338
14,188
14,039
13,889
13,739
13,590
13,440
13,290
13,141
12,991
12,841
12,692
12,542
12,392
12,243
12,093
11,943
11,794
11,644
11,494
11,345
11,195
11,045
10,896
10,746
10,597
10,447

319,444
305,556
291,667
277,778
263,889
250,000
236,111
222,222
208,333
194,444
180,556
166,667
152,778
138,889
125,000
111,111
97,222
83,333
69,444
55,556
41,667
27,778
13,889
0
-13,889
-27,778
-41,667
-55,556
-69,444
-83,333
-97,222
-111,111
-125,000
-138,889
-152,778
-166,667
-180,556
-194,444
-208,333
-222,222
-236,111
-250,000
-263,889
-277,778
-291,667
-305,556
-319,444
-333,333

23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
(11)
(12)
(13)
(14)
(15)
(16)
(17)
(18)
(19)
(20)
(21)
(22)
(23)
(24)

61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145

-3,592
-3,741
-3,891
-4,041
-4,190
-4,340
-4,490
-4,639
-4,789
-4,939
-5,088
-5,238
-5,388
-5,537
-5,687
-5,836
-5,986
-6,136
-6,285
-6,435
-6,585
-6,734
-6,884
-7,034
-7,183
-7,333
-7,483
-7,632
-7,782
-7,932
-8,081
-8,231
-8,381
-8,530
-8,680
-8,830
-8,979
-9,129
-9,278
-9,428
-9,578
-9,727
-9,877
-10,027
-10,176
-10,326
-10,476
-10,625
-10,775
-10,925
-11,074
-11,224
-11,374
-11,523
-11,673
-11,823
-11,972
-12,122
-12,272
-12,421
-12,571
-12,720
-12,870
-13,020
-13,169
-13,319
-13,469
-13,618
-13,768
-13,918
-14,067
-14,217
-14,367
-14,516
-14,666
-14,816
-14,965
-15,115
-15,265
-15,414
-15,564
-15,714
-15,863
-16,013
-16,163

13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

10,297
10,148
9,998
9,848
9,699
9,549
9,399
9,250
9,100
8,950
8,801
8,651
8,501
8,352
8,202
8,052
7,903
7,753
7,603
7,454
7,304
7,155
7,005
6,855
6,706
6,556
6,406
6,257
6,107
5,957
5,808
5,658
5,508
5,359
5,209
5,059
4,910
4,760
4,610
4,461
4,311
4,161
4,012
3,862
3,713
3,563
3,413
3,264
3,114
2,964
2,815
2,665
2,515
2,366
2,216
2,066
1,917
1,767
1,617
1,468
1,318
1,168
1,019
869
719
570
420
270
121
-29
-178
-328
-478
-627
-777
-927
-1,076
-1,226
-1,376
-1,525
-1,675
-1,825
-1,974
-2,124
-2,274

-347,222
-361,111
-375,000
-388,889
-402,778
-416,667
-430,556
-444,444
-458,333
-472,222
-486,111
-500,000
-513,889
-527,778
-541,667
-555,556
-569,444
-583,333
-597,222
-611,111
-625,000
-638,889
-652,778
-666,667
-680,556
-694,444
-708,333
-722,222
-736,111
-750,000
-763,889
-777,778
-791,667
-805,556
-819,444
-833,333
-847,222
-861,111
-875,000
-888,889
-902,778
-916,667
-930,556
-944,444
-958,333
-972,222
-986,111
-1,000,000
-1,013,889
-1,027,778
-1,041,667
-1,055,556
-1,069,444
-1,083,333
-1,097,222
-1,111,111
-1,125,000
-1,138,889
-1,152,778
-1,166,667
-1,180,556
-1,194,444
-1,208,333
-1,222,222
-1,236,111
-1,250,000
-1,263,889
-1,277,778
-1,291,667
-1,305,556
-1,319,444
-1,333,333
-1,347,222
-1,361,111
-1,375,000
-1,388,889
-1,402,778
-1,416,667
-1,430,556
-1,444,444
-1,458,333
-1,472,222
-1,486,111
-1,500,000
-1,513,889

(25)
(26)
(27)
(28)
(29)
(30)
(31)
(32)
(33)
(34)
(35)
(36)
(37)
(38)
(39)
(40)
(41)
(42)
(43)
(44)
(45)
(46)
(47)
(48)
(49)
(50)
(51)
(52)
(53)
(54)
(55)
(56)
(57)
(58)
(59)
(60)
(61)
(62)
(63)
(64)
(65)
(66)
(67)
(68)
(69)
(70)
(71)
(72)
(73)
(74)
(75)
(76)
(77)
(78)
(79)
(80)
(81)
(82)
(83)
(84)
(85)
(86)
(87)
(88)
(89)
(90)
(91)
(92)
(93)
(94)
(95)
(96)
(97)
(98)
(99)
(100)
(101)
(102)
(103)
(104)
(105)
(106)
(107)
(108)
(109)

146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230

-16,312
-16,462
-16,611
-16,761
-16,911
-17,060
-17,210
-17,360
-17,509
-17,659
-17,809
-17,958
-18,108
-18,258
-18,407
-18,557
-18,707
-18,856
-19,006
-19,156
-19,305
-19,455
-19,605
-19,754
-19,904
-20,053
-20,203
-20,353
-20,502
-20,652
-20,802
-20,951
-21,101
-21,251
-21,400
-21,550
-21,700
-21,849
-21,999
-22,149
-22,298
-22,448
-22,598
-22,747
-22,897
-23,047
-23,196
-23,346
-23,495
-23,645
-23,795
-23,944
-24,094
-24,244
-24,393
-24,543
-24,693
-24,842
-24,992
-25,142
-25,291
-25,441
-25,591
-25,740
-25,890
-26,040
-26,189
-26,339
-26,489
-26,638
-26,788
-26,938
-27,087
-27,237
-27,386
-27,536
-27,686
-27,835
-27,985
-28,135
-28,284
-28,434
-28,584
-28,733
-28,883

13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

-2,423
-2,573
-2,723
-2,872
-3,022
-3,172
-3,321
-3,471
-3,620
-3,770
-3,920
-4,069
-4,219
-4,369
-4,518
-4,668
-4,818
-4,967
-5,117
-5,267
-5,416
-5,566
-5,716
-5,865
-6,015
-6,165
-6,314
-6,464
-6,614
-6,763
-6,913
-7,063
-7,212
-7,362
-7,511
-7,661
-7,811
-7,960
-8,110
-8,260
-8,409
-8,559
-8,709
-8,858
-9,008
-9,158
-9,307
-9,457
-9,607
-9,756
-9,906
-10,056
-10,205
-10,355
-10,505
-10,654
-10,804
-10,953
-11,103
-11,253
-11,402
-11,552
-11,702
-11,851
-12,001
-12,151
-12,300
-12,450
-12,600
-12,749
-12,899
-13,049
-13,198
-13,348
-13,498
-13,647
-13,797
-13,947
-14,096
-14,246
-14,395
-14,545
-14,695
-14,844
-14,994

-1,527,778
-1,541,667
-1,555,556
-1,569,444
-1,583,333
-1,597,222
-1,611,111
-1,625,000
-1,638,889
-1,652,778
-1,666,667
-1,680,556
-1,694,444
-1,708,333
-1,722,222
-1,736,111
-1,750,000
-1,763,889
-1,777,778
-1,791,667
-1,805,556
-1,819,444
-1,833,333
-1,847,222
-1,861,111
-1,875,000
-1,888,889
-1,902,778
-1,916,667
-1,930,556
-1,944,444
-1,958,333
-1,972,222
-1,986,111
-2,000,000
-2,013,889
-2,027,778
-2,041,667
-2,055,556
-2,069,444
-2,083,333
-2,097,222
-2,111,111
-2,125,000
-2,138,889
-2,152,778
-2,166,667
-2,180,556
-2,194,444
-2,208,333
-2,222,222
-2,236,111
-2,250,000
-2,263,889
-2,277,778
-2,291,667
-2,305,556
-2,319,444
-2,333,333
-2,347,222
-2,361,111
-2,375,000
-2,388,889
-2,402,778
-2,416,667
-2,430,556
-2,444,444
-2,458,333
-2,472,222
-2,486,111
-2,500,000
-2,513,889
-2,527,778
-2,541,667
-2,555,556
-2,569,444
-2,583,333
-2,597,222
-2,611,111
-2,625,000
-2,638,889
-2,652,778
-2,666,667
-2,680,556
-2,694,444

(110)
(111)
(112)
(113)
(114)
(115)
(116)
(117)
(118)
(119)
(120)
(121)
(122)
(123)
(124)
(125)
(126)
(127)
(128)
(129)
(130)
(131)
(132)
(133)
(134)
(135)
(136)
(137)
(138)
(139)
(140)
(141)
(142)
(143)
(144)
(145)
(146)
(147)
(148)
(149)
(150)
(151)
(152)
(153)
(154)
(155)
(156)
(157)
(158)
(159)
(160)
(161)
(162)
(163)
(164)
(165)
(166)
(167)
(168)
(169)
(170)
(171)
(172)
(173)
(174)
(175)
(176)
(177)
(178)
(179)
(180)
(181)
(182)
(183)
(184)
(185)
(186)
(187)
(188)
(189)
(190)
(191)
(192)
(193)
(194)

231
232
233
234
235
236
237
238
239
240

-29,033
-29,182
-29,332
-29,482
-29,631
-29,781
-29,931
-30,080
-30,230
-30,380
-2,999,042

13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
13,889
3,333,333

0
0
0
0
0
0
0
0
0
0
0

-15,144
-15,293
-15,443
-15,593
-15,742
-15,892
-16,042
-16,191
-16,341
-16,491
334,292

-2,708,333
-2,722,222
-2,736,111
-2,750,000
-2,763,889
-2,777,778
-2,791,667
-2,805,556
-2,819,444
-2,833,333

(195)
(196)
(197)
(198)
(199)
(200)
(201)
(202)
(203)
(204)

Easy Home
Home Builder / Renovate
Input Fields
House Cost Price
Customer Share
Bank Share
Profit Rate *
Takaful Contribution Rate

Tranche

500,000
13.71%
0.298%

%
1
2
3
4

25%
25%
25%
25%

Result Fields
Tenure in Years
Total Units
Unit Sale Price
Monthly Rent/Unit

* The profit rate for EasyHome is a floating rate based on avg of '12-month KIBOR'. The rental are fixed for every 12 month period and may fluctuate
to reflect the changes in KIBOR in the subsequent months.
Tentative Calculation Schedule
Tranche Schedule
Months
Rent
Unit Price Takaful Contribution Monthly Payment
125,000
0
1
1,428
31
1,459
2
1,428
31
1,459
125,000
3
1,428
31
1,459
4
2,856
62
2,918
5
2,856
62
2,918
125,000
6
2,856
62
2,918
7
4,284
93
4,378
8
4,284
93
4,378
125,000
9
4,284
93
4,378
10
5,713
124
5,837
11
5,713
124
5,837
12
5,713
124
5,837
13
5,713
124
5,837
14
5,713
124
5,837
15
5,713
124
5,837
16
5,713
124
5,837
17
5,713
124
5,837
18
5,713
124
5,837
19
5,713
124
5,837
20
5,713
124
5,837
21
5,713
124
5,837
Unit Purchase Start Here
22
5,713
33,333
124
39,170
23
5,332
33,333
116
38,781
24
4,951
33,333
108
38,392
25
4,570
33,333
99
38,003
26
4,189
33,333
91
37,614
27
3,808
33,333
83
37,224
28
3,428
33,333
75
36,835
29
3,047
33,333
66
36,446
30
2,666
33,333
58
36,057
31
2,285
33,333
50
35,668
32
1,904
33,333
41
35,279
33
1,523
33,333
33
34,890
34
1,143
33,333
25
34,501
35
762
33,333
17
34,112
36
381
33,333
8
33,722
37
0
33,333
0
33,333
38
-381
33,333
-8
32,944
39
-762
33,333
-17
32,555
40
-1,143
33,333
-25
32,166
41
-1,523
33,333
-33
31,777
42
-1,904
33,333
-41
31,388
43
-2,285
33,333
-50
30,999
44
-2,666
33,333
-58
30,610
45
-3,047
33,333
-66
30,220
46
-3,428
33,333
-75
29,831
47
-3,808
33,333
-83
29,442
48
-4,189
33,333
-91
29,053
49
-4,570
33,333
-99
28,664
50
-4,951
33,333
-108
28,275
51
-5,332
33,333
-116
27,886
52
-5,713
33,333
-124
27,497
53
-6,093
33,333
-132
27,108
54
-6,474
33,333
-141
26,718
55
-6,855
33,333
-149
26,329
56
-7,236
33,333
-157
25,940
57
-7,617
33,333
-166
25,551
58
-7,998
33,333
-174
25,162
59
-8,378
33,333
-182
24,773

60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136

-8,759
-9,140
-9,521
-9,902
-10,283
-10,663
-11,044
-11,425
-11,806
-12,187
-12,568
-12,948
-13,329
-13,710
-14,091
-14,472
-14,853
-15,233
-15,614
-15,995
-16,376
-16,757
-17,138
-17,518
-17,899
-18,280
-18,661
-19,042
-19,423
-19,803
-20,184
-20,565
-20,946
-21,327
-21,708
-22,088
-22,469
-22,850
-23,231
-23,612
-23,993
-24,373
-24,754
-25,135
-25,516
-25,897
-26,278
-26,658
-27,039
-27,420
-27,801
-28,182
-28,563
-28,943
-29,324
-29,705
-30,086
-30,467
-30,848
-31,228
-31,609
-31,990
-32,371
-32,752
-33,133
-33,513
-33,894
-34,275
-34,656
-35,037
-35,418
-35,798
-36,179
-36,560
-36,941
-37,322
-37,703

33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333

-190
-199
-207
-215
-224
-232
-240
-248
-257
-265
-273
-281
-290
-298
-306
-315
-323
-331
-339
-348
-356
-364
-373
-381
-389
-397
-406
-414
-422
-430
-439
-447
-455
-464
-472
-480
-488
-497
-505
-513
-522
-530
-538
-546
-555
-563
-571
-579
-588
-596
-604
-613
-621
-629
-637
-646
-654
-662
-671
-679
-687
-695
-704
-712
-720
-728
-737
-745
-753
-762
-770
-778
-786
-795
-803
-811
-820

24,384
23,995
23,606
23,216
22,827
22,438
22,049
21,660
21,271
20,882
20,493
20,104
19,714
19,325
18,936
18,547
18,158
17,769
17,380
16,991
16,602
16,212
15,823
15,434
15,045
14,656
14,267
13,878
13,489
13,100
12,710
12,321
11,932
11,543
11,154
10,765
10,376
9,987
9,598
9,208
8,819
8,430
8,041
7,652
7,263
6,874
6,485
6,096
5,706
5,317
4,928
4,539
4,150
3,761
3,372
2,983
2,594
2,204
1,815
1,426
1,037
648
259
-130
-519
-908
-1,298
-1,687
-2,076
-2,465
-2,854
-3,243
-3,632
-4,021
-4,410
-4,800
-5,189

137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213

-38,083
-38,464
-38,845
-39,226
-39,607
-39,988
-40,368
-40,749
-41,130
-41,511
-41,892
-42,273
-42,653
-43,034
-43,415
-43,796
-44,177
-44,558
-44,938
-45,319
-45,700
-46,081
-46,462
-46,843
-47,223
-47,604
-47,985
-48,366
-48,747
-49,128
-49,508
-49,889
-50,270
-50,651
-51,032
-51,413
-51,793
-52,174
-52,555
-52,936
-53,317
-53,698
-54,078
-54,459
-54,840
-55,221
-55,602
-55,983
-56,363
-56,744
-57,125
-57,506
-57,887
-58,268
-58,648
-59,029
-59,410
-59,791
-60,172
-60,553
-60,933
-61,314
-61,695
-62,076
-62,457
-62,838
-63,218
-63,599
-63,980
-64,361
-64,742
-65,123
-65,503
-65,884
-66,265
-66,646
-67,027

33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333

-828
-836
-844
-853
-861
-869
-877
-886
-894
-902
-911
-919
-927
-935
-944
-952
-960
-969
-977
-985
-993
-1,002
-1,010
-1,018
-1,026
-1,035
-1,043
-1,051
-1,060
-1,068
-1,076
-1,084
-1,093
-1,101
-1,109
-1,118
-1,126
-1,134
-1,142
-1,151
-1,159
-1,167
-1,175
-1,184
-1,192
-1,200
-1,209
-1,217
-1,225
-1,233
-1,242
-1,250
-1,258
-1,267
-1,275
-1,283
-1,291
-1,300
-1,308
-1,316
-1,324
-1,333
-1,341
-1,349
-1,358
-1,366
-1,374
-1,382
-1,391
-1,399
-1,407
-1,416
-1,424
-1,432
-1,440
-1,449
-1,457

-5,578
-5,967
-6,356
-6,745
-7,134
-7,523
-7,912
-8,302
-8,691
-9,080
-9,469
-9,858
-10,247
-10,636
-11,025
-11,414
-11,804
-12,193
-12,582
-12,971
-13,360
-13,749
-14,138
-14,527
-14,916
-15,306
-15,695
-16,084
-16,473
-16,862
-17,251
-17,640
-18,029
-18,418
-18,808
-19,197
-19,586
-19,975
-20,364
-20,753
-21,142
-21,531
-21,920
-22,310
-22,699
-23,088
-23,477
-23,866
-24,255
-24,644
-25,033
-25,422
-25,812
-26,201
-26,590
-26,979
-27,368
-27,757
-28,146
-28,535
-28,924
-29,314
-29,703
-30,092
-30,481
-30,870
-31,259
-31,648
-32,037
-32,426
-32,816
-33,205
-33,594
-33,983
-34,372
-34,761
-35,150

214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240

-67,407
-67,788
-68,169
-68,550
-68,931
-69,312
-69,692
-70,073
-70,454
-70,835
-71,216
-71,597
-71,977
-72,358
-72,739
-73,120
-73,501
-73,882
-74,262
-74,643
-75,024
-75,405
-75,786
-76,167
-76,547
-76,928
-77,309
-7,745,579

33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
33,333
7,300,000

-1,465
-1,473
-1,482
-1,490
-1,498
-1,507
-1,515
-1,523
-1,531
-1,540
-1,548
-1,556
-1,565
-1,573
-1,581
-1,589
-1,598
-1,606
-1,614
-1,622
-1,631
-1,639
-1,647
-1,656
-1,664
-1,672
-1,680
-170,406

-35,539
-35,928
-36,318
-36,707
-37,096
-37,485
-37,874
-38,263
-38,652
-39,041
-39,430
-39,820
-40,209
-40,598
-40,987
-41,376
-41,765
-42,154
-42,543
-42,932
-43,322
-43,711
-44,100
-44,489
-44,878
-45,267
-45,656
-445,579

3
15
33,333
380.83

y 12 month period and may fluctuate

Balance Unit Price Balance Units

125,000
15
125,000
15
125,000
15
250,000
15
250,000
15
250,000
15
375,000
15
375,000
15
375,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
500,000
15
466,667
14
433,333
13
400,000
12
366,667
11
333,333
10
300,000
9
266,667
8
233,333
7
200,000
6
166,667
5
133,333
4
100,000
3
66,667
2
33,333
1
0
-33,333
(1)
-66,667
(2)
-100,000
(3)
-133,333
(4)
-166,667
(5)
-200,000
(6)
-233,333
(7)
-266,667
(8)
-300,000
(9)
-333,333
(10)
-366,667
(11)
-400,000
(12)
-433,333
(13)
-466,667
(14)
-500,000
(15)
-533,333
(16)
-566,667
(17)
-600,000
(18)
-633,333
(19)
-666,667
(20)
-700,000
(21)
-733,333
(22)
-766,667
(23)

C
o
n
s
t
r
u
c
t
i
o
n

-800,000
-833,333
-866,667
-900,000
-933,333
-966,667
-1,000,000
-1,033,333
-1,066,667
-1,100,000
-1,133,333
-1,166,667
-1,200,000
-1,233,333
-1,266,667
-1,300,000
-1,333,333
-1,366,667
-1,400,000
-1,433,333
-1,466,667
-1,500,000
-1,533,333
-1,566,667
-1,600,000
-1,633,333
-1,666,667
-1,700,000
-1,733,333
-1,766,667
-1,800,000
-1,833,333
-1,866,667
-1,900,000
-1,933,333
-1,966,667
-2,000,000
-2,033,333
-2,066,667
-2,100,000
-2,133,333
-2,166,667
-2,200,000
-2,233,333
-2,266,667
-2,300,000
-2,333,333
-2,366,667
-2,400,000
-2,433,333
-2,466,667
-2,500,000
-2,533,333
-2,566,667
-2,600,000
-2,633,333
-2,666,667
-2,700,000
-2,733,333
-2,766,667
-2,800,000
-2,833,333
-2,866,667
-2,900,000
-2,933,333
-2,966,667
-3,000,000
-3,033,333
-3,066,667
-3,100,000
-3,133,333
-3,166,667
-3,200,000
-3,233,333
-3,266,667
-3,300,000
-3,333,333

(24)
(25)
(26)
(27)
(28)
(29)
(30)
(31)
(32)
(33)
(34)
(35)
(36)
(37)
(38)
(39)
(40)
(41)
(42)
(43)
(44)
(45)
(46)
(47)
(48)
(49)
(50)
(51)
(52)
(53)
(54)
(55)
(56)
(57)
(58)
(59)
(60)
(61)
(62)
(63)
(64)
(65)
(66)
(67)
(68)
(69)
(70)
(71)
(72)
(73)
(74)
(75)
(76)
(77)
(78)
(79)
(80)
(81)
(82)
(83)
(84)
(85)
(86)
(87)
(88)
(89)
(90)
(91)
(92)
(93)
(94)
(95)
(96)
(97)
(98)
(99)
(100)

-3,366,667
-3,400,000
-3,433,333
-3,466,667
-3,500,000
-3,533,333
-3,566,667
-3,600,000
-3,633,333
-3,666,667
-3,700,000
-3,733,333
-3,766,667
-3,800,000
-3,833,333
-3,866,667
-3,900,000
-3,933,333
-3,966,667
-4,000,000
-4,033,333
-4,066,667
-4,100,000
-4,133,333
-4,166,667
-4,200,000
-4,233,333
-4,266,667
-4,300,000
-4,333,333
-4,366,667
-4,400,000
-4,433,333
-4,466,667
-4,500,000
-4,533,333
-4,566,667
-4,600,000
-4,633,333
-4,666,667
-4,700,000
-4,733,333
-4,766,667
-4,800,000
-4,833,333
-4,866,667
-4,900,000
-4,933,333
-4,966,667
-5,000,000
-5,033,333
-5,066,667
-5,100,000
-5,133,333
-5,166,667
-5,200,000
-5,233,333
-5,266,667
-5,300,000
-5,333,333
-5,366,667
-5,400,000
-5,433,333
-5,466,667
-5,500,000
-5,533,333
-5,566,667
-5,600,000
-5,633,333
-5,666,667
-5,700,000
-5,733,333
-5,766,667
-5,800,000
-5,833,333
-5,866,667
-5,900,000

(101)
(102)
(103)
(104)
(105)
(106)
(107)
(108)
(109)
(110)
(111)
(112)
(113)
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(115)
(116)
(117)
(118)
(119)
(120)
(121)
(122)
(123)
(124)
(125)
(126)
(127)
(128)
(129)
(130)
(131)
(132)
(133)
(134)
(135)
(136)
(137)
(138)
(139)
(140)
(141)
(142)
(143)
(144)
(145)
(146)
(147)
(148)
(149)
(150)
(151)
(152)
(153)
(154)
(155)
(156)
(157)
(158)
(159)
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(162)
(163)
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(165)
(166)
(167)
(168)
(169)
(170)
(171)
(172)
(173)
(174)
(175)
(176)
(177)

-5,933,333
-5,966,667
-6,000,000
-6,033,333
-6,066,667
-6,100,000
-6,133,333
-6,166,667
-6,200,000
-6,233,333
-6,266,667
-6,300,000
-6,333,333
-6,366,667
-6,400,000
-6,433,333
-6,466,667
-6,500,000
-6,533,333
-6,566,667
-6,600,000
-6,633,333
-6,666,667
-6,700,000
-6,733,333
-6,766,667
-6,800,000

(178)
(179)
(180)
(181)
(182)
(183)
(184)
(185)
(186)
(187)
(188)
(189)
(190)
(191)
(192)
(193)
(194)
(195)
(196)
(197)
(198)
(199)
(200)
(201)
(202)
(203)
(204)

Easy Home
Home Builder / Renovate
Input Fields
House Cost Price
Customer Share
Bank Share
Profit Rate *
Takaful Contribution Rate

Tranche

%
1
2

500,000
13.71%
0.298%

Result Fields
50% Tenure in Years
50% Total Units
Unit Sale Price
Monthly Rent/Unit

3
21
23,810
272

* The profit rate for EasyHome is a floating rate based on avg of '12-month KIBOR'. The rental are fixed for every 12 month period and may fluctuate to
reflect the changes in KIBOR in the subsequent months.
Tentative Calculation Schedule
Tranche
250,000

250,000

Unit Purchase Start Here

Months
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61

Rent
2,856
2,856
2,856
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,713
5,440
5,168
4,896
4,624
4,352
4,080
3,808
3,536
3,264
2,992
2,720
2,448
2,176
1,904
1,632
1,360
1,088
816
544
272
0
-272
-544
-816
-1,088
-1,360
-1,632
-1,904
-2,176
-2,448
-2,720
-2,992
-3,264
-3,536
-3,808
-4,080
-4,352
-4,624
-4,896
-5,168
-5,440
-5,713
-5,985
-6,257
-6,529

Unit Price

23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810
23,810

Takaful Contribution
62
62
62
124
124
124
124
124
124
124
124
124
124
124
124
124
118
112
106
101
95
89
83
77
71
65
59
53
47
41
35
30
24
18
12
6
0
-6
-12
-18
-24
-30
-35
-41
-47
-53
-59
-65
-71
-77
-83
-89
-95
-101
-106
-112
-118
-124
-130
-136
-142

Monthly Payment
2,918
2,918
2,918
5,837
5,837
5,837
5,837
5,837
5,837
5,837
5,837
5,837
5,837
5,837
5,837
29,646
29,368
29,090
28,812
28,534
28,257
27,979
27,701
27,423
27,145
26,867
26,589
26,311
26,033
25,755
25,477
25,199
24,921
24,643
24,365
24,087
23,810
23,532
23,254
22,976
22,698
22,420
22,142
21,864
21,586
21,308
21,030
20,752
20,474
20,196
19,918
19,640
19,363
19,085
18,807
18,529
18,251
17,973
17,695
17,417
17,139

Balance Unit Price

250,000
250,000
250,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
476,190
452,381
428,571
404,762
380,952
357,143
333,333
309,524
285,714
261,905
238,095
214,286
190,476
166,667
142,857
119,048
95,238
71,429
47,619
23,810
0
-23,810
-47,619
-71,429
-95,238
-119,048
-142,857
-166,667
-190,476
-214,286
-238,095
-261,905
-285,714
-309,524
-333,333
-357,143
-380,952
-404,762
-428,571
-452,381
-476,190
-500,000
-523,810
-547,619
-571,429
-595,238

Easy Home
Home Replacement / Renovate/ Builder
Input Fields
House Cost Price
Customer Share
Bank Share
Profit Rate *
Takaful Contribution Rat

1,000,000
12.93%
0.298%

Result Fields
Tenure in Years
Total Units
Unit Sale Price
Monthly Rent/Unit

20
228
4,386
47

* The profit rate for EasyHome is a floating rate based on avg of '12-month KIBOR'. The rental are fixed for every 12 month
period and may fluctuate to reflect the changes in KIBOR in the subsequent months.
Calulation Based on the Schedule as follows
Months
Rent
Unit Price
0
1
10,775
2
10,775
3
10,775
4
10,775
5
10,775
6
10,775
7
10,775
8
10,775
9
10,775
10
10,775
11
10,775
12
10,775
13
10,775
4,386
14
10,728
4,386
15
10,680
4,386
16
10,633
4,386
17
10,586
4,386
18
10,539
4,386
19
10,491
4,386
20
10,444
4,386
21
10,397
4,386
22
10,350
4,386
23
10,302
4,386
24
10,255
4,386
25
10,208
4,386
26
10,161
4,386
27
10,113
4,386
28
10,066
4,386
29
10,019
4,386
30
9,972
4,386
31
9,924
4,386
32
9,877
4,386
33
9,830
4,386
34
9,783
4,386
35
9,735
4,386
36
9,688
4,386
37
9,641
4,386
38
9,594
4,386
39
9,546
4,386
40
9,499
4,386
41
9,452
4,386
42
9,404
4,386
43
9,357
4,386
44
9,310
4,386
45
9,263
4,386
46
9,215
4,386
47
9,168
4,386
48
9,121
4,386
49
9,074
4,386
50
9,026
4,386

Takaful Contribution Monthly Payment

Balance Unit Price
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
10,775
1,000,000
248
15,161
995,614
247
15,114
991,228
246
15,066
986,842
245
15,019
982,456
244
14,972
978,070
243
14,925
973,684
242
14,877
969,298
241
14,830
964,912
240
14,783
960,526
239
14,736
956,140
237
14,688
951,754
236
14,641
947,368
235
14,594
942,982
234
14,547
938,596
233
14,499
934,211
232
14,452
929,825
231
14,405
925,439
230
14,358
921,053
229
14,310
916,667
228
14,263
912,281
227
14,216
907,895
225
14,169
903,509
224
14,121
899,123
223
14,074
894,737
222
14,027
890,351
221
13,979
885,965
220
13,932
881,579
219
13,885
877,193
218
13,838
872,807
217
13,790
868,421
216
13,743
864,035
215
13,696
859,649
213
13,649
855,263
212
13,601
850,877
211
13,554
846,491
210
13,507
842,105
209
13,460
837,719
208
13,412
833,333

51
52
53
54
55
56
57
58
59
60

8,979
8,932
8,885
8,837
8,790
8,743
8,696
8,648
8,601
8,554

4,386
4,386
4,386
4,386
4,386
4,386
4,386
4,386
4,386
4,386

207
206
205
204
203
201
200
199
198
197

13,365
13,318
13,271
13,223
13,176
13,129
13,082
13,034
12,987
12,940

828,947
824,561
820,175
815,789
811,404
807,018
802,632
798,246
793,860
789,474

Balance Units
228
228
228
228
228
228
228
228
228
228
228
228
228
227
226
225
224
223
222
221
220
219
218
217
216
215
214
213
212
211
210
209
208
207
206
205
204
203
202
201
200
199
198
197
196
195
194
193
192
191
190

189
188
187
186
185
184
183
182
181
180