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step1
year invest diveden / bonus
1 200000 15000
2 215000 16125
3 231125 17334.375
4 248459.38 18634.453125
diff 134256
diff 134256
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
diff 114,084.00
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
diff 68,450.40
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
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
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
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
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 191,723.87
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
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
Revenue 100,000.00
Paid 67,500.00
Total Payment 141,092.40
Income 26,407.60
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
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
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