Tips Bayar Balik PTPTN Dengan ASBF : Jom Bebas Hutang

Anda pening hutang pinjaman Pelajaran semakin meningkat naik kerana sudah lama tertunggak ?.

Ketahui bahawa dengan teknik ASBF, anda mampu mengubahnya.

Katakan PTPTN Pembiayaan Ujrah (1%)

Pinjaman PTPTN: RM28,000
Ansuran bulanan: RM187.89
Tempoh bayaran balik: 180 bulan

Apa yang kita boleh buat ialah:

1. Buat ASB Financing RM50K. Bulanan RM270

2. Lepas setahun katakan dividen ASBF diumumkan 7.25% dan kita akan dapat dividen sebanyak RM3625.

3. Gunakan RM3625 ini untuk bayar ansuran PTPTN tu. Bayar PTPTN RM200 sebulan, setahun kena bayar RM2400. Saya cadangkan anda bayar setahun terus PTPTN anda.

So, anda ada komitmen setahun dengan ASBF. PTPTN takde dah.
Jadi ada lagi baki RM3625-RM2400=RM1225 untuk belanja ataupun disimpan. Better simpan.

4. Komitmen anda masih sama iaitu RM270 tiap bulan sebab dividen ASBF anda yang langsaikan PTPTN.

5. Kalau anda bayar RM200 untuk ansuran PTPTN mungkin tak sampai 15 tahun dah habis bayar.

6. Ulang bayar PTPTN sampai habis bayar gunakan dividen ASBF

7. Katakan anda nak terminate ASBF pada bulan ke 180 lepas habis bayar PTPTN korang akan dapat;

i. Dividen terakhir: RM3,500 (jika dividen 7%)
ii. Pulangan prinsipal: RM15,700 (jika tempoh pinjaman ASBF 30 tahun & 5.05% kadar faedah bank)
iii. Baki RM1225X15 tahun=RM18,375 (jika disimpan)
Jumlah: RM37,500

Lepas bayar PTPTN dapat lagi RM37,500.
Lepas 15 tahun anda bayar PTPTN pun anda ada lagi duit untuk kegunaan masa depan.

Kalau anda duk bayar RM200 duit sendiri rugi je. Baik anda bayar duit dividen ASBF ni tambah lagi RM70 untuk bayar ansuran ASBF.

Bayar duit sendiri tak buat ASB Financing lepas habis bayar anda tak dapat apa-apa kecuali langsai hutang PTPTN.

Beza dengan buat ASB Financing, lepas habis bayar PTPTN ada lagi lebihan wang untuk anda simpan nanti.

♥Jumlah pinjaman PTPTN tu sekadar saya bagi contoh (Berapa korang pinjam, korang pairinglah dgn ASBF)

Kalau tak faham,
boleh bertanya
InshaAllah saya jawab.

♥bagi student yang masih belajar, saya akn guide anda dgn cara lain dulu..lepas anda tamat belajar..boleh teruskan dengan teknik diatas…jangan kusut kepala fikir untuk bayar pinjaman anda, be smart dan creative, u can do it💪💪💪

01158895308

#asbfinancing
#unittrust
#wealthadvisor #BebasHutang

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