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BASIC MATH 1
2. APPRECIATION 6-7
3. INTRODUCTION 8-9
4. COLLABORATION 10-11
5. TASK 12
- MONTHLY SALARY 13
- MONTHLY BUDGET 14-15
- BALANCE OF THE SALARY 16
- CAR THAT INTEREST ME 17
- CAR THAT SUIT THE BUDGET 18
- THE CALCULATION 19-21
6. CONCLUSION 22-24
7. APPENDIX 25
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NAME : MUHAMAD ASYRAF B. MUHAMAD LUDIN
I/C NO : 901129-03-5641
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NAME : MOHD SHAFUAN B. ZULKAFLI
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NAME : W MD. TALQIFF IMAN B. WAN AHMAD RAFIDI
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First of all, we feel grateful as we managed to
complete the assignment sharp on time. We start doing the
assignment on 1 September 2008 and complete on 13 September
2008.
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I am Mohd Saiful, a 24 year old teacher. After finish
my study at Institut Perguruan Darulaman, I was posting to
Sekolah Kebangsaan Wangsa Maju in Kuala Lumpur. My target
after become a teacher is to buy a new car. As we know, lifestyle
in Kuala Lumpur is totally different compared to the village.
Almost all what we want to do need money to be done.
In order to save my salary to buy a new car, I had live
in a condominium with 7 other friends. The condominium rent is
RM 1200 per month. Although it is quite expensive, we do not feel
any pressure as we share our money to pay for it. Live together
with friends under one roof is good for us as this will help us to
save our money on everything.
As example, when we live like this, we can save our
money on food. Every month, all of us will share our money to buy
groceries. It is more save than eat at the restaurant. Besides
that, we also can save our money on electrical and water bills
monthly.
Hence, there’s a lot of money I can save every month
on my salary. It was very good as I can use the extra money to
budget on monthly instalment of the car that I will buy.
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NO. DATE ACTIVITY SIGNATURE
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12
MONTHLY SALARY. . . .
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AFTER FINISH MY STUDY, I WAS SEND TO A
SCHOOL IN KUALA LUMPUR. THIS WAS MY FIRST POSTING.
MY MONTHLY SALARY IS ABOUT RM 2500. I AM WISHING
TO BUY A NEW CAR. IN THAT CASE, I AM STAYING IN A
CONDOMINIUM WHICH HAS 4 ROOMS AND 3 BATHROOMS
WITH 7 OTHERS FRESH GRADUATE TEACHERS IN ORDER TO
SAVE MY SALARY. I AM ALSO DOING A MONTHLY BUDGET
FOR DAILY SPENDING IN ORDER TO GET A NEW CAR.
HENCE, THE BALANCE OF THE SALARY CAN BE USE TO PAY
THE CAR PRICE MONTHLY.
MONTHLY BUDGET. . . .
BELOW IS THE TABLE OF MY MONTHLY BUDGET.
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NO. ACTIVITY BUDGET PERCENTAGE
2. BILLS RM 30 1.2%
5. ENTERTAINMENT RM 100 4%
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B U D G E T (R M )
6 % 1 %5 % HO USE RENT
B IL L S
40% 12% FO O D
PARENTS
E N T E R T A IN M
4%
S H O P P IN G
12%
S A V IN G
20%
CAR
BALANCE OF SALARY. . . .
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AFTER I HAVE MADE THE BUDGET FOR MONTHLY
SPENDING, THERE IS RM 1000, THE BALANCE AFTER I HAVE
SPENT MY SALARY FOR A MONTH.
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PROTON
- WIRA
- SATRIA NEO
- GEN. 2
PERODUA
- KENARI
- VIVA
- MYVI
TOYOTA
- AVANZA
- VIOS
HONDA
- ACCORD
- CITY
- JAZZ
NISSAN
- LATIO
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PROTON
- SATRIA NEO 1.6 MT HLINE
PERODUA
- MYVI 1.3 SX ( MANUAL ) SOLID
NISSAN
- LATIO 1.6 M
THE CALCULATION
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PERODUA MYVI 1.3 SX ( M ) SOLID
PRICE RM 43 400
DOWN
PAYMENT RM 4 340
( 10% )
LOAN AMAUNT RM 43 400 – RM 4 340
= RM 39 060
INTEREST/YEAR
( 3.99% @ 3.99% x RM 39 060
9 YEAR ) = RM 1558.50
TOTAL ( RM 1558.50 x 9 ) + RM
INTEREST + 39 060
LOAN AMAUNT = RM 53 086.50
MONTHLY
INSTALMENT RM 53 086.50 / 108
( 108 MONTH ) = RM 491.50
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PROTON SATRIA NEO 1.6 MT HLINE
PRICE RM 51 800
DOWN
PAYMENT RM 5 180
( 10% )
LOAN AMAUNT RM 51 800 – RM 5 180
= RM 46 620
INTEREST/YEAR
( 3.99% @ 3.99% x RM 46 620
9 YEAR ) = RM 1 860.10
TOTAL ( RM 1 860.10 x 9 ) +
INTEREST + RM 46 620
LOAN AMAUNT = RM 63 360.90
MONTHLY
INSTALMENT RM 63 360.90 / 108
( 108 MONTH ) = RM 586.65
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NISSAN LATIO 1.6 ( M )
PRICE RM 82 189.50
DOWN
PAYMENT RM 8 218.95
( 10% )
RM 82 189.50 –
LOAN AMAUNT RM 8 218.95
= RM 73 970.55
INTEREST/YEAR
( 3.99% @ 3.99% x RM 73 970.55
9 YEAR ) = RM 2 951.40
TOTAL ( RM 2 951.40 x 9 ) +
INTEREST + RM 73 970.55
LOAN AMAUNT = RM 100 533.15
MONTHLY
INSTALMENT RM 100 533.15 / 108
( 108 MONTH ) = RM 930.85
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As we can see, different car cost
different amount of money that we must pay
for certain car. The price of the car, down
payment, loan amount, interest rate per year,
the total amount, and monthly instalment that
need to be cut of from our monthly pay.
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PROTON SATRIA NEO
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