Slide2: Cara-cara yang diamal oleh kebanyakan peminjam:
Menurunkan Kadar Faedah
(Interest Rate Reduction)
Penukaran Bank (Refinance)
Kekerapan Pembayaran – Setiap 2minggu
(Payment frequency – Fortnightly)
Pembayaran lebih atas ansuran bulanan
(Pay extra payment on monthly installment)
Slide3: David Wong is the Master Degree holder of Buckingham,
The International Management Centre (UK) and
University of Action Learning (US). Currently ,David Wong is the Founder and CEO of SUPEX Holding and Super Excellence Consulting Group.
You’re Paying Too Much For Your Home! : You’re Paying Too Much For Your Home!
Slide12: Cara yang diperkenalkan oleh Bank transparen atau tidak, adalah perkara yang paling penting untuk menjimat faedah pinjaman anda.
Peminjam harus mengetahui HAK mereka, supaya mendapat semula hak masing-masing.
Meningkatkan kesedaran rakyat Malaysia terhadap kepentingan mendapatkan “Mortgage Audit Act” di negara kita.
Slide13: Di Amerika Syarikat
( Mortgage Audit Act )
telah diperkenalkan sejak tahun 1995.
Akta ini telah membantu ramai peminjam mendapat semula hak mereka untuk mendapat balik faedah yang tidak berpatutan. Sehingga sekarang, Malaysia masih tidak mempunyai “Akta Audit Pinjaman”.
Apakah akan berlaku jika tiada Akta ini?
Adakah kamu membaca teliti sepenuhnya setiap perkataan di atas “Perjanjian Pinjaman” anda? Berita Baik! SUPEX adalah
Syarikat Penjimatan Faedah
PERTAMA dan TERBESAR di Malaysia
www.cap.org.my: Persatuan Pengguna Penang www.cap.org.my
Consumer’s Association of Penang (04-2823511): Consumer’s Association of Penang (04-2823511)
Beginning of Nightmare !!! : Beginning of Nightmare !!!
How serious of overcharged？: How serious of overcharged？ US Info & Data： “We dug deeper and deeper and found that this
system of overcharging is virtually universal .....
It runs across the entire mortgage lending industry”
Former New York State Attorney General - Robert Abrams
How serious of overcharged ?: How serious of overcharged ? US Info & Data：
Warning!: This is not someone else's problem.....
"If you have a mortgage, there is a 50% chance that by fraud or incompetence your bank is overcharging you”
Former New York State Attorney General - Robert Abrams
How serious of overcharge？: How serious of overcharge？ US Info & Data：
“Mortgage errors are costing average Americans
$8 to $10 Billion dollars each and every years”
Federal Deposit Insurance Corporation (the US government agency that Insures or guarantees Americans’ bank deposit)
How serious of overcharged ?: How serious of overcharged ? Only happened in US ?
Australia – The Sydney Morning Herald investigation report
showed that 54% of monthly statement appeared mistake. 80%
of its were beneficial to banks . Average monthly mistake amount
was $242.
Canada – The Halifax Limited reported that the Royal Bank
has returned $1.3 billion to its 200 thousand customers due to
calculation mistake traced from 1992.
U.K. - The Sunday Times investigation report showed that the
banks’ overcharged interest is £ 1 billion every year.
Mengapakah tidak transparen?: Mengapakah tidak transparen? Sebab,
Kamu tiada diberi
Jadual Pembayaran Pinjaman Tersendiri
Personalise Amortization Schedule
Transperancy（1）: Transperancy（1）
Personalized Amortization Schedule
Transparen ? : Transparen ? BLR %(Base Lending Rate) Kadar Pinjaman Dasar
2005---------------------------------------------2008
6.00% 6.25% 6.50% 6.75%
Contoh: 6.00% = RM 1000 (800Interest+200Principal) = 30yrs
6.75% = RM 1000 (900Interest+100Principal) = 40yrs
Compounded Interest (Faedah Kompound)
# Daily Rest vs Monthly Rest
# Nominal Rate vs Effective Rate
Daily Rest vs Monthly Rest.: Daily Rest vs Monthly Rest.
A (Daily Rest )
01/01/07 02/01/07 03/01/07 (365 times)
RM100,000 RM101,000 RM102,010
Saving $
01/01/07 01/02/07 01/03/07 (12 times)
RM100,000
B (Monthly Rest)
Slide30: Monthly
Repayment
$1,621.50 Interest Rate: 6.75%
Monthly Compounded Term: 30years(360months) Loan Principal
$ 250,000.00 本金$ 250,00.00 Total Interest Total Payment Bayaran Bulanan $ 1,621.50 x 30 Tahun( 360 Bulan )
= $ 583,738.29 Jumlah pembayaran $583,738.29 - $ 250,000 = $ 333,783.29 Jumlah Faedah
Pinjaman Anda: Monthly
Repayment
$1,621.50 Interest Rate: 6.75%
Monthly Compounded Term: 30 years(360months) Loan Principal
$ 250,000.00 Pinjaman Anda
Pinjaman Anda: Ansuran
Bulanan
$1,621.50 Pinjaman Anda Interest $1,406.25 Principal $215.25
Selepas 5 tahun, telah bayar $97,290.00: Bayaran
Bulanan
$1,621.50 Selepas 5 tahun, telah bayar $97,290.00 Penalti akan dikenakan, jika pembayaran habis dalam 5 tahun Hanya Mengurang Principal $15,310.73 Jumlah Faedah yang telah dibayar
$81,978.99 $250,000 pinjaman, selepas bayar 5 tahun, jumlah ($97,290.00),
Tetapi masih hutang $234,690.00 (94%)
Selepas 13 tahun, telah bayar $252,954.00: Bayaran
Bulanan
$1,621.50 Selepas 13 tahun, telah bayar $252,954.00 Hanya Mengurang Principal $53,533.64 Jumlah Faedah yang telah dibayar
$199,420.36 $250,000 pinjaman, selepas bayar 13 tahun, jumlah($252,954),
Tetapi masih hutang $196,467.00 (79%)
Slide35: Flexi Loans
Excess Payment
Term Loans
Advance Payment
Principal Reduction
Partial Prepayment
Flexi Home Excess payment: Flexi Home Excess payment Nature of Account
comprises of:
(a) a loan account;
(b) a non-cheque book current account
for the excess payment;
but your monthly statement of account will be a
consolidated statement for both account.
No interest is payable by us to you on the excess payments.
Slide37: Monthly
Repayment
$1,621.50 Interest Rate: 6.75% Term: 360 months Loan Amount
$ 250,000.00 Total Interest
$ 333,783.29 Loan$ 250,00.00 Total Payment
$ 583,738.29 1. Excess Payment Current Account Loan Account Extra pay until
$2,000.00
(+378.50) $1,621.50 1. Flexi Loan - Excess Payment
Slide38: Monthly
Repayment
$1,621.50 Interest Rate: 6.75% Term: 360 months Loan Amount
$ 250,000.00 Total Interest
$ 333,783.29 Loan$ 250,00.00 Total payment
$ 583,738.29 1. Flexi Loan - Excess Payment 1. Excess Payment Current Account Loan Account Extra pay until
$10,000
(+8378.50) $1,621.50
Suspense Account Appropriation of Payment : Suspense Account Appropriation of Payment Any money receive hereunder may be place and kept to the credit of a suspense account for so long as the Bank thinks fit without any obligation in the meantime to apply the same or any part thereof in or towards discharge of any money or liabilities due or incurred by the borrower to it. Advance Payment
Slide44: inverse order of maturity Monthly
Repayment
$1,621.50 Interest Rate: 6.75% Monthly compounded Period: 360 months Principal
$ 250,000.00 Total Interest
$ 333,783.29 Loan$ 250,00.00 Suspense Account Loan Account $1,621.50 2. Term Loan/Normal Loan - Advance Payment inverse order of maturity Extra pay until
$10,000
(+8378.50) (+8378.50)
Slide45: Monthly
Repayment
$1,621.50 Term: 360 months Principal
$ 250,000.00
- 10,000.00
$ 240,000.00
$ 250,000 ( 333,783.29) VS $ 240,000 ( 320,388.76) Total Interest
$ 333,783.29
$ 320,388.76
$ 250,00.00
Loan $ 240,00.00 3. Principal Reduction Reduce Principal
$10,000 Difference $ 13,394.53 Monthly Repayment
$1,556.64 3. Term Loan/Flexi Loan - Principal Reduction
Slide46: Monthly
Repayment
$1,621.50 Term: 360 months Loan
$ 250,000.00 Total Interest
$ 333,783.29 Loan$ 250,00.00 1. Excess Payment 2. Advance Payment 3. Principal Reduction 2. Advance Payment Suspense Account Extra pay until
$10,000.00
(+8378.50) 1. Excess Payment Current Account
Slide47: Monthly
Repayment
$1,621.50 Interest Rate: 6.75% Term: 358 months Loan
$ 250,000.00 Pembayaran $ 378.50 principal boleh menjimatkan $2580.14 faedah 1. Excess Payment Current Account Loan Account Extra pay until
$2,000.00
(+378.50) $1,621.50 Bayar faedah
$1,406.25 Principal
$215.25 ?
Slide48: Monthly
Repayment
$1,621.50 Interest Rate: 6.75% Term: 360 months Loan
$ 250,000.00 Shorten Period，
Saving Interest！
Payoff Loan Earlier. 4. Partial Prepayment Extra payment
$10,000.00 Total Interest
$ 333,783.29
$ 277,005.43
$ -56,777.86
$215.25
Banking info. Housing Loans www.bankinginfo.com.my: Banking info. Housing Loans www.bankinginfo.com.my PARTIAL PREPAYMENT OF THE
OUTSTANDING LOAN
Many borrowers find it useful to shorten the loan tenure by making partial prepayment with surplus savings or annual bonus. Partial prepayment can be in any amount.
However, some financial institutions may impose restrictions on the amount to be pre-paid while others may impose a penalty.
It is extremely effective in reducing the interest charges you would have to pay if prepayments are made during the early years.
Slide51: www.bnm.gov.my www.bankinginfo.com.my
Slide52: Sekarang anda boleh menggunakan HAK anda dan STRATEGI untuk menjimatkan sehingga
90% Faedah dan Tempoh.
Slide53: Peminjam mempunyai hak untuk memdapatkan maklumat mengenai pinjaman mereka.
Mengisikan Borang dan tandatangan, membawa Kad Pengenalan anda ke Bank untuk dapatkan maklumat berikut.
Helping you to save 10% to 90% Mortgage Interest: Helping you to save 10% to 90% Mortgage Interest
Seriously make an appointment with your consultant…..: Seriously make an appointment with your consultant….. No Problem !!! CONGRATULATION
We Provide solutions : We Provide solutions SAVED MONEY SAVED TIME
Senario of 5 days Training Camp in Five Star Hotel 8am – 6pm . (J.W. Marriot Hotel .K.L) DAY 1 : Senario of 5 days Training Camp in Five Star Hotel 8am – 6pm . (J.W. Marriot Hotel .K.L) DAY 1
Senario of 5 days Training Camp in Five Star Hotel 8am – 6pm . (J.W. Marriot Hotel .K.L) DAY 2 : Senario of 5 days Training Camp in Five Star Hotel 8am – 6pm . (J.W. Marriot Hotel .K.L) DAY 2
Slide59: Senario of 5 days Training Camp in Five Star Hotel 8am – 6pm .
(J.W. Marriot Hotel .K.L) DAY 3
Masa depan anda di dalam tangan anda: Masa depan anda di dalam tangan anda