MAYBANK HOUSING LOAN

The price of the house is RM 258888

The deposit to pay to the bank is 10% out of the price
= 10% 258888
=
= 25888.80
So the deposit is RM 25888.80
Balance after payment of the deposit
=258888-25888.80
=232999.20
So the balance left is RM 232999.20

Variable rate package

1st year interest = 4.00%
2nd year interest = 1.5%
28 years interest = 0.15%
For the 1st year interest = 4.00%
=
= 9329.97
So the rate interest is for the 1st year is RM 9329.97
Balance after 1st year
=RM 232999.20 RM 9329.97
= RM 223 679. 23

For the 2nd year interest = 1.5%

=
=3355.19
So the interest rate for the 2nd year is RM 3355.19
Balance after 2nd year
= RM 223 679.23 RM 3355.19
=RM 230 324 .04

Interest rate for the next 28 years is 0.15%

Total interest for the next 28 years
=
= 345.4860653 28
= 9673. 61
So the interest for the next 28 years is RM 9673.61
Total interest for 30 years = 1st year interest + 2nd year interest +28 years interest
= 9319.968 + 3355.19 + 9673. 61
= 22348.77
So the total interest for the 30 years is RM 22348.77

Total payment = Balance + Total interest

= 232999.20 + 22348.77
= 255 347. 97
So the total payment is RM 255 347. 97

Monthly payment =
=
= 709.2999
So the monthly payment is RM709.30

EON bank Housing Loan

The price of the house is RM 258888
The deposit to pay to the bank is 10% out of the price
= 10% 258888
=
= 25888.80
So the deposit is RM 25888.80
Balance after payment of the deposit
=258888-25888.80
=232999.20
So the balance left is RM 232999.20

Package 1
1st 5 years interest is 1.8%
=
= 4193.9856
Total interest for 5 years
= 4193.9856 5
= 20969.928
So the interest for the 1st 5 years is RM 20969.93
Balance after for the 1st 5 years
=232 999.20 20969.928
= 212 029.272
The balance is RM 212 029.27

Interest for the next 25 years is

For the next 25 years
= 4664. 643984 25
=116616.0996
Total interest for 30 years
= 20969.928 + 116616.0996
= 137586.0276
Total payment = total interest + total balance left
=137586.0276 + 232 999 .20
= 370 585 2276
Monthly payment =
= 1029.40341

MUAMALAT BANK HOUSING LOAN

The price of the house is RM 258888
The deposit to pay to the developer is 10% of the price
= 10% 258888
=
= 25888.80
Balance
=258888-25888.80
=232999.20
So the balance left is RM 232999.20

1st year interest = 3.35%

2nd year interest = 5.8%
3 - 10 years interest = 6.8%
20 years interest = 5.15%

The 1st year interest = 3.35%

=
= 7805.4732
So the rate interest is for the 1st year is RM 7805.47
Balance after 1st year
=RM 232999.20 RM 7805.47
= RM 225 193.7268

The 2nd year interest = 5.8%

=
= 13061.23615
So the rate interest for the 2nd year is RM 13061.24
Balance after 2nd year
= 223 679.23 RM 13061.23615
=212 132 .7268
=RM 212 132 .73
The 3rd year until the 10th years interest = 6.8%
=
= 144 645.0093
So the interest rate is RM 144 645.00
Balance after 10th years
= 212 132. 7268 144 645.0093
= 67 487.4814
so the balance left is RM 67 487.48

Interest for the next 20 years = 5.15%

=
= 3475. 605292
So the interest rate is RM 3475.61
Balance after 10 years
= 67 487.4814 - 3475. 605292
= 64011.87611
= RM 64011.88

Total interest = 1st year interest + 2nd year interest +

= 7805. 4732 + 13061.24 + 144645.0093 + 3475. 605292
= 168987.3185
The total interest rate is RM 168987.32

Total payment = total interest + total balance left

= 168987.32 + 232999.20
= 401986.51185
The total payment is RM 401986.51

Monthly payment =

=
= 1116.62
Monthly payment is RM 1116.62

Bank Simpanan Nasional (BSN)

The deposit to pay to the developer is 10% of the price
= 10% 258888
=
= 25888.80
Balance
=258888-25888.80
=232999.20

Package
Interest rate for the 25 years = 6.5%
=
= 15144.95
So the interest rate is RM 15144.95

Total payment = balance + interest rate

= 232999.20 + 15144.95
= 248144,15

Monthly payment =

=
= 827.15
Monthly payment is RM 827 . 15

Car loan
Hong leong bank Car Loan
Type of car = Proton Waja 1,5(m) CAMPRO
The price of the car is RM 56 665. 85
The payment for the deposit to the bank loan is 10%
=
= 5 666. 585
Balance
=
= 50 999. 265

The Interest rate is 3.9%

= 1988.971335
So the interest rate is RM 1988.97

Total payment = balance + interest

=50 999. 265 + 1988.971335
= 52 988.23634
The total payment is RM 52 988.34

Monthly payment =

=
= 490. 6318179

The monthly payment is RM 490.63

Bank Rakyat CAR LOAN

Type of car = Proton Waja 1,5(m) CAMPRO
The price of the car is RM 56 665. 85
The payment for the deposit to the bank loan is 10%
=
= 5 666. 585
Balance
=
= 50 999. 265

The Interest rate is 3.9%

= 2 034.870674
So the interest rate is RM 2 034.87

Total payment = balance + interest

=50 999. 265 + 2 034.870674
= 53 034 . 13567
So the total payment is RM53 034 . 14

Monthly payment =

= 490. 0568118

The Monthly payment RM 490.06

CIMB BANK CAR LOAN

Type of car = Proton Waja 1,5(m) CAMPRO
The price of the car is RM 56 665. 85
The payment for the deposit to the bank loan is 10%
=
= 5 666. 585
Balance
=
= 50 999. 265

The Interest rate is 4.1%

= 2090.969865
= RM 2090.97

Total payment = balance + interest

=50 999. 265 + 2090.969865
= 53 090 .23487
So the total payment is RM 53 090. 23

Monthly payment=
=
= 491.576

The monthly payment RM490.06