Cara Pengurangan Principal Loan Rumah

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CARA PENGURANGAN PRINCIPAL LOAN RUMAH: Ok saya cuba terangkan ya. Kita masih gunakan contoh monthly installment RM1000. 1) Monthly Loan Inst...


CARA PENGURANGAN PRINCIPAL LOAN RUMAH:

Ok saya cuba terangkan ya. Kita masih gunakan contoh monthly installment RM1000.

1) Monthly Loan Installment:
Bayaran bulanan yg kita perlu bayar setiap bulan macam biasa, RM1000.

2) Advance Loan Payment:
Dah bayar Monthly Loan Installment, lepastu ada duit lebih kita bayar lagi extra RM1000. 

Contohnya sekarang bulan 1, advance RM1k tu kita bayar bulan ni. So bulan 2 tak perlu bayar dah sbb kita dh bayar siap2 utk bulan 2. Bulan 3 baru bayar balik.

3) Reduce Loan Principal:
Ini yang paling POWER utk bantu melangsaikan hutang kita dgn cepat.

Semua duit lebihan akan tolak baki loan kita. Selalunya org kita akan sebut tolak duit pokok.

Setiap bayaran bulan kita terbahagi kpd 2 iaitu:
- Bayaran Principal
- Bayaran Interest

Contoh hutang rumah kita berbaki RM100k dan installment kita RM1000.

Pecahan bayaran akan jadi mcm ni:
- RM200 Byrn Principal
- RM800 Byrn Interest (Pecahan ni sekadar contoh supaya org mudah faham)

Baki hutang kita akan jadi RM99,800. Then kita ada duit lebih sbb dapat bonus,kita bayar RM1,800 gunakan teknik no (3) iaitu Reduce Loan Principal.

Baki hutang rumah kita akan jadi RM98,000

Bulan berikutnya kita masih perlu bayar monthly installment mcm biasa ya. Jgn tak bayar pulak nanti tak pasal2 CCRIS problem.

Setiap kali ada duit lebih terus bayar guna teknik (3) ni sbb setiap bayaran lebih ni akan terus tolak baki principal kita.

So hutang kita akan cepat langsai. 👍

Credits: Facebook Myra Miyaki

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