Faedah Penjimatan


Perbandingan Penjimatan Antara Kadar Kami & Kadar Bank

 1 Year  2 Year3 Year 4 Year 5 Year
 Bank 18%36%54%72%80%
 Kami 11%16%19%24%26%
 Jimat 7% 20%  35%  48%  54%

Contoh Jika Anda Membuat Bayaran Minima Dengan Kadar Biasa

 Bulan Jumlah
Hutang		 Interest
1.5%		 Hutang +
Interest		 Bayaran
Minima (5%)		 Baki Hutang  Jumlah
Interest
 1 10,000.00  -   10,000.00     500.00  9,500.00 
 2   9,500.00     142.50     9,642.50     482.13  9,160.38  142.50
 3   9,160.38     137.41     9,297.78     464.89  8,832.89  279.91
 4   8,832.89     132.49     8,965.38     448.27  8,517.12     412.40
 5   8,517.12     127.76     8,644.87     432.24  8,212.63     540.16
 6   8,212.63     123.19     8,335.82     416.79  7,919.03     663.35
 7   7,919.03     118.79     8,037.81     416.79  7,635.92     782.13
 8   7,635.92     114.54     7,750.46     387.52  7,362.94     896.67
 9   7,362.94     110.44     7,473.38     373.67  7,099.71  1,007.11
 10   7,099.71     106.50     7,206.21     360.31  6,845.90  1,113.61
 11   6,845.90     102.69     6,948.59     347.43  6,601.16  1,216.30
 12   6,601.16      99.02     6,700.17     335.01  6,365.17  1,315.32
 13   6,365.17      95.48     6,460.64     323.03  6,137.61  1,410.79
 14   6,137.61      92.06     6,229.68     311.48  5,918.19  1,502.86
 15   5,918.19      88.77     6,006.96     300.35  5,706.62  1,591.63
 16   5,706.62      85.60     5,792.22     289.61  5,502.60  1,677.23
 17   5,502.60      82.54     5,585.14     279.26  5,305.89  1,759.77
 18   5,305.89      79.59     5,385.47     269.27  5,116.20  1,839.36
 19   5,116.20      76.74     5,192.94     259.65  4,933.30  1,916.10
 20   4,933.30      74.00     5,007.30     250.36  4,756.93  1,990.10
 21   4,756.93      71.35     4,828.29     241.41  4,586.87  2,061.45
 22   4,586.87      68.80     4,655.67     232.78  4,422.89  2,130.26
 23 4,422.89      66.34     4,489.23     224.46  4,264.77  2,196.60
 24   4,264.77      63.97     4,328.74     216.44  4,112.31  2,260.57
 25   4,112.31      61.68     4,173.99     208.70  3,965.29  2,322.26
 26   3,965.29      59.48     4,024.77     201.24  3,823.53  2,381.73
 27   3,823.53      57.35     3,880.89     194.04  3,686.84  2,439.09
 28   3,686.84      55.30     3,742.14     187.11  3,555.04  2,494.39
 29  3,555.04        53.33     3,608.36     180.42  3,427.94  2,547.72
 30   3,427.94      51.42     3,479.36     173.97 3,305.40  2,599.13
 31   3,305.40      49.58     3,354.98     167.75  3,187.23  2,648.72
 32   3,187.23      47.81     3,235.04     161.75  3,073.28  2,696.52
 33   3,073.28      46.10     3,119.38     155.97  2,963.41  2,742.62
 34   2,963.41      44.45     3,007.87     150.39  2,857.47  2,787.07
 35   2,857.47      42.86     2,900.33     145.02  2,755.32  2,829.94
 36   2,755.32      41.33     2,796.65     139.83  2,656.81  2,871.27
 37   2,656.81      39.85     2,696.67     134.83  2,561.83  2,911.12
 38   2,561.83      38.43     2,600.26     130.01  2,470.25  2,949.55
 39   2,470.25      37.05     2,507.30     125.37  2,381.94  2,986.60
 40   2,381.94      35.73     2,417.67     120.88  2,296.78  3,022.33
 41   2,296.78      34.45     2,331.23     116.56  2,214.67  3,056.78
 42   2,214.67      33.22     2,247.89     112.39  2,135.50  3,090.00
 43   2,135.50      32.03     2,167.53     108.38  2,059.15  3,122.03
 44   2,059.15      30.89     2,090.04     104.50  1,985.54  3,152.92
 45   1,985.54      29.78     2,015.32     100.77  1,914.56  3,182.70
 46 1,914.56      28.72     1,943.27      97.16  1,846.11  3,211.42
 47   1,846.11      27.69     1,873.80      93.69  1,780.11  3,239.11
 48   1,780.11      26.70     1,806.81      90.34  1,716.47  3,265.82
 49   1,716.47      25.75     1,742.22      87.11  1,655.11  3,291.56
 50   1,655.11      24.83     1,679.94      84.00  1,595.94  3,316.39
 51   1,595.94      23.94     1,619.88      80.99  1,538.88  3,340.33
 52   1,538.88      23.08     1,561.97      78.10  1,483.87  3,363.41
 53   1,483.87      22.26     1,506.13      75.31  1,430.82  3,385.67
 54   1,430.82      21.46     1,452.28      72.61  1,379.67  3,407.13
 55   1,379.67      20.70      1,400.36      70.02  1,330.35  3,427.83
 56   1,330.35      19.96     1,350.30      67.52  1,282.79  3,447.78
 57   1,282.79      19.24     1,302.03      65.10  1,236.93  3,467.02
 58   1,236.93      18.55     1,255.48      62.77  1,192.71  3,485.58
 59   1,192.71      17.89     1,210.60      60.53  1,150.07  3,503.47
 60   1,150.07      17.25     1,167.32      58.37  1,108.953,520.72
 61   1,108.95      16.63     1,125.59      56.28  1,069.31   3,537.35
 62   1,069.31      16.04     1,085.35      54.27  1,031.083,553.39
 63   1,031.08      15.47     1,046.55      52.33     994.22   3,583.77
 64      994.22      14.91     1,009.13      50.46     958.67  3,598.15
 65      958.67      14.38        973.06     50.00     923.06  3,598.15
 66      923.06      13.85        936.90     50.00     886.90  3,612.00
 67      886.90      13.30        900.20     50.00     850.203,625.30
 68      850.20      12.75        862.96     50.00     812.96 3,638.06
 69      812.96      12.19        825.15     50.00     775.15  3,650.25
 70      775.15      11.63        786.78     50.00     736.78  3,661.88
 71      736.78      11.05        747.83     50.00     697.833,672.93
 72      697.83      10.47        708.30     50.00     658.303,683.40
 73      658.30        9.87        668.17     50.00     618.17  3,693.27
 74      618.17        9.27        627.45     50.00     577.45  3,702.54
 75      577.45        8.66        586.11     50.00     536.11  3,711.20
 76      536.11        8.04        544.15     50.00     494.15    3,719.25
 77      494.15        7.41        501.56     50.00     451.56 3,726.66
 78      451.56        6.77        458.33     50.00     408.33  3,733.43
 79     408.33        6.13        414.46     50.00     364.46 3,739.56
 80      364.46        5.47        369.93     50.00     319.933,745.02
 81      319.93        4.80        324.73     50.00     274.73  3,749.82
 82      274.73        4.12        278.85     50.00     228.85    3,753.94
 83      228.85        3.43        232.28     50.00     182.28  3,757.38
 84      182.28        2.73        185.01     50.00     135.01   3,760.11
 85      135.01        2.03        137.04     50.00      87.04   3,762.14 
 86        87.04        1.31          88.34     50.00      38.34  3,763.44
 87        38.34        0.58          38.92   38.92       (0.00)  3,764.02

Contoh Jika Anda Membuat Bayaran Melalui Kami

 Bulan Jumlah Hutang Interest 19%  Hutang +
Interest		Bayaran Bulanan  Baki Hutang
 1 8,100.00 1,900.00  10,000.00 277.78 9,722.22
 2-  - 277.78 9,444.44
 3--- 277.78 9,166.66
 4 --- 277.78 8,888.88
 5 --- 277.78 8,611.10
 6 --- 277.78 8,333.32
 7 --- 277.78 8,055.54
 8 --- 277.78 7,777.76
 9 --- 277.78 7,499.98
 10 --- 277.78 7,222.20
 11 --- 277.78 6,944.42
 12 --- 277.78 6,666.64
 13 --- 277.78 6,388.86
 14 --- 277.78 6,111.08
 15 --- 277.78 5,833.30
 16 --- 277.78 5,555.52
 17 --- 277.78 5,277.74
 18 --- 277.78 4,999.96
 19 --- 277.78 4,722.18
 20 --- 277.78 4,444.40
 21 -- - 277.78 4,166.62
 22 -- - 277.78 3,888.84
 23 -- - 277.78 3,611.06
 24 -- - 277.78 3,333.28
 25 -- - 277.78 3,055.50
 26 -- - 277.78 2,777.72
 27 -- - 277.78 2,499.94
 28 - - - 277.78 2,222.16
 29 - - - 277.78 1,944.38
 30 - - - 277.78 1,666.60
 31 - - - 277.78 1,388.82
 32 - - - 277.78 1,111.04
 33 - - - 277.78 833.26
 34 - - - 277.78 555.48
 35 - - - 277.78 277.70
 36 - - - 277.78 0.00

Penjimatan Yang Begitu Ketara

Tempoh
Anda boleh lihat sendiri jika anda membuat pembayaran minima setiap bulan pada kadar biasa, anda akan membayar setiap bulan sebanyak RM500.00 selama 87 bulan
Jika anda mengubahsuaikan hutang anda dengan kami anda hanya perlu membayar RM277.78 selama 36 bulan sahaja
Jumlah Bunga Yang perlu Di Bayar
Pada kadar biasa jumlah interest terkumpul ialah RM3,764.02
Manakala jika diubahsuai anda membayar hanya RM1900.00
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