Teknik Buat Duit Dengan ASB Financing, Pelaburan Patuh Syariah

Buat korang yang serius nak tahu tentang ASB Financing dan teknik-teknik yang boleh digunakan, jom hadamkan perkongsian power dari Cik Syafieqah A’lya ni.

Semoga bermanfaat.

Pengenalan tentang asb financing @ asb loan

1. Asb financing dan asb loan adalah dua benda yang sama cuma bezanya adalah islamic dan conventional. Jangan confius part ni okay. Ramai lagi yang masih tidak tahu bezakan asb financing dan asb loan ni. Maka saya tulis dua-dua sekali agar korang senang nak faham.

2. Korang biasa menyimpan di Simpanan ASB (dulu guna buku color biru) dan korang takut nak melabur dengan pinjaman ASB (asbf @ asb loan), tahukah korang ia juga melabur di tempat yang sama tetapi menghasilkan HASIL YANG BERBEZA?

3. Kiranya korang hanya ‘pinjam’ duit bank. Contoh korang mohon asbf RM200,000 dan duit ini dilaburkan, maka korang akan dapat hasil keuntungan melalui dividen asbf purata dalam 7.25% setahun. Bila korang darabkan 7.25% X RM200,000 = RM14,500 ini lah purata keuntungan korang akan pada awal tahun.

4. Dividen ASB : Dividen ni akan di umumkan oleh pihak PNB setiap 2 JANUARI iaitu awal tahun. Biasanya 2 minggu akhir bulan December pnb akan tutup akaun untuk kiraan dividen. Waktu ni lah korang tak boleh nak masukkan duit atau keluarkan duit. Dividen ni adalah keuntungan yang akan diberikan kepada pelabur.

5. Interest bank : Buat korang yang pening pasal interest bank dan confius dengan dividen tu. Korang kena faham interest adalah kadar bunga yang dikenakan oleh pihak bank kepada korang. Yela korang pinjam duit bank kan, pastinya bank kenakan interest kat korang.

6. Bayaran bulanan asbf @ asb loan : bayaran bulanan yang korang bayar tiap-tiap bulan tidak bermakna korang akan dapat sepenuhnya atas apa yang korang bayar. Ianya akan pecah kepada dua iaitu prinsipal dan interest.

Saya mudahkan ayat seperti di bawah :

Prinsipal : duit kita
Interest : keuntungan bank

Maka bila kita batalkan pembiayaan atau pinjaman asb ni kita hanya dapat prinsipal tu saja. Jangan tamak nak semuanya sekali, kita pun dapat dividen tau tiap-tiap 2 Januari selama mana kita masih melabur, hasilnya lebih banyak berbanding kita simpan sendiri.

7. ASB adalah patuh syariah : Untuk pengetahuan korang, ke semua negeri dan mufti dah keluarkan hukum harus untuk asb loan / asb financing ni. Korang kena faham apa fungsi Suruhanjaya Sekuriti dan Majlis Fatwa Kebangsaan ni. Dua-dua badan yang berbeza. ASNB sendiri telah mempunyai penasihat syariah yang sedang berusaha membawa ASB ke arah tersebut.

Boleh download di sini :

https://drive.google.com/folderview?id=0BwgHOobkHOL7di15YWFJOTYta28

YouTube : http://m.youtube.com/watch?v=wNXF9se1q7g

Ini soalan yang biasa ditanya, setakat ni korang clear tak?

#1 Teknik Rolling

Korang hanya ada cash dan tidak mahu menambah komitmen bulanan maka korang terus buat bayaran satu tahun sahaja dan rolling dividen pada tahun berikutnya.

Contoh case :

▶️ Loan ASB @ ASBF : RM200,000
▶️ Bayaran bulanan : RM1080 sebulan @ RM12960 setahun
▶️ Dividen purata : 7.25% @ RM14,500 setahun
▶️ Interest rate : 5.05% (promo rate)
(normal rate asal adalah 5.45%)

Korang mohon pembiayaan RM200,000 ➡️ terus buat bayaran lump sum satu tahun RM12960 ➡️ maka korang tak perlu buat bayaran bulan-bulan ➡️ cukup setahun pada 2 Januari korang akan dapat dividen purata RM14,500 ➡️ hasil dividen ni korang terus bayar lump sum tahun kedua pulak ➡️ korang ulang cara rolling dividen ni hinggalah lima tahun ➡️ maka hasilnya :

Baki prinsipal : RM16,213 (kira guna financial calculator)
Dividen terakhir : RM14,500
Jumlah : RM30,713 ✅

Perbezaan kalau korang simpan sendiri dalam asb maka hasilnya hanya lah:
***********************************

Modal : RM12,960
Dividen : RM5,430
Jumlah : RM18,390✅

Korang simpan dan laburkan jumlah yang sama tetapi menghasilnya HASIL yang berbeza, adakah korang masih pilih untuk simpan biasa lagi? Fikirkan.

Disclaimer : Kiraan di atas hanya atas pengalaman penulis dengan kadar purata dividen 7.25% serta promo interest 5.05%

#2 Teknik Compounding

Teknik kedua ni lebih menarik dari teknik pertama di mana nilainya lebih tinggi di mana korang perlu lah bayar tiap-tiap bulan without skip dan dividen korang dapat setiap tahun tu jangan usik untuk beberapa tempoh tahun

Korang hanya mampu simpan :

RM270 @ korang boleh mohon asbf RM50,000
RM540 @ korang boleh mohon asbf RM100,000
RM810 @ korang boleh mohon asbf RM150,000
RM1080 @ korang boleh mohon asbf RM200,000

(Loan atas 50K ke atas layak untuk dapat promo rate 5.05%, normal rate adalah 5.45%)

Jika korang mohon:

▶️ Loan ASBF : RM200,000
▶️ Bayaran bulanan : RM1080 sebulan @ RM12960 setahun
▶️ Dividen purata : 7.25% @ RM14,500 setahun
▶️ Interest rate : 5.05% (promo rate)
(normal rate asal adalah 5.45%)

➡️ Korang mohon pembiayaan RM200,000
➡️ korang buat auto debit bayar setiap bulan RM1080
➡️ latih diri korang menyimpan bulan-bulan tanpa skip
➡️ bila korang biasa menyimpan jumlah RM1080 in future korang nak beli rumah harga RM200K pun tidak jadi beban lagi sebab korang dah biasa dengan jumlah simpanan ni
➡️ andaikan korang menyimpan dalam tempoh beberapa tahun ni cuba korang lihat hasilnya :

2 tahun : Purata RM34,000
3 tahun : Purata RM55,900
5 tahun : Purata RM100,000

Korang rasa mudah tak korang nak beli rumah bila ada simpanan ni dalam akaun korang? Korang punya simpanan at least ada 10% -13% dari harga rumah dalam akaun korang untuk buat deposit rumah nanti. Pastinya jangan lah simpan cukup-cukup saja untuk deposit, korang mesti nak beli furniture dan renovate sikit rumah tu sama ada untuk disewakan atau duduk sendiri kan. Simpanan biar berlebih-lebih jangan kurang. Jika tidak digunakan untuk beli rumah sekurang-kurangnya ia digunakan untuk simpanan kecemasan korang.

Sebelum berimpian beli rumah, jom sama-sama kumpul deposit rumah dulu. Dapat beli 2-3 buah rumah dalam genggaman kita pun okay dah sebagai asset kita.

Untuk korang yang nak tahu info lanjut pasal asbf dan sharing tentang asbf ni boleh contact di sini

Selamat menyimpan dan moga bermanfaat

Disclaimer : Kiraan di atas hanya atas pengalaman penulis dengan kadar purata dividen 7.25% serta promo interest 5.05%

Berminat untuk tahu lebih lanjut berkenaan gameplan yang sesuai dengan kemampuan kewangan korang? Boleh hubungi kami di link di bawah. Kami akan bantu korang.

GameplanASBF

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