Loan ASB merugikan

loss for the ASB loan???
I'M NOT WRITING-I received an e-mail like this .. It already did not know this thing astrok to not .. Kat wanted to latch kalo not tired ASB thread coat .. hehehe .. Kalo astrol link pls bg info about this explanation is right or not ..

ASB LOAN PROFIT OR LOSS?

Brief analysis is not intended to malign a particular party. Only just
for your consideration before you decide to make ASB Loan (invest in ASB
with bank loan money).
Examples of ASB savings ... RM 100,000 consisting of
Cash deposit Rs 5,000 Rs 95,000 bank loan in proportion to BLR + 0.5% (ie 6.9%
year) ==> Rs 731 monthly loan payments for a period of 20 years.

As advertised, the dividend will be given directly to you. Example: Dividend 7% per annum,
you will get Rs 7,000 per year. Can spend whatever you like and after
20 years, you will receive Rs 100,000 which can be used to buy a home, education
children and so on.

A way - Use the dividend to repay loans
Result of the calculation: if the dividend 7% per annum or Rs 7,000 is paid back to the bank KPD
reduce the balance of your loan, ASB loan you are expected to be completed in 7 years 6
month with a total of nearly Rs 120.827 full payment (including the deposit of RM5, 000 and
dividend of RM7, 000-paid annually)

This means, you have to pay Rs 120,000 to get Rs 100,000 after 7-8
year. Profit or loss?

If you invest Rs 731 every month into the GSP for 8 years already, your savings will be
be Rs 94.260. Plus deposit Rs 5,000 saved for 8 years, the value of
after 8 years of investment is Rs 8,590.
Total value of your investment = 102.850. Dah dah over Rs 100,000.

Way B - Spend Dividends paid annually and monthly maintenance KPD loan
For Rs 95,000 bank loan for 20 years at a rate of 6.9% per annum, the total payment
Full after 20 years is Rs 175.359 (cost price)
With dividends for 20 years Rs 7,000 = Rs 140,000
and ASB money after 20 years = RM 100,000 (+)
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Money That You Receive = Rs 240,000
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Broadly speaking, looks like you profit because you get Rs 240,000 viewed in over 20 years
whereas the cost of your loan amount Rs 175.359 shj.

Profit for the naked eye = Rs 64,641

However, when taking into account the willingness and ability of your monthly maintenance fee Rs 731
for 20 years, you actually lose big. This is because the deposit Rs 731 in
ASB for the next 20 years, the value of your investment will be = Rs 383.018.

This means that, as you take ASB loan from a bank, you lose 'Potential
gain '
Investment value if you invest with our own money = Rs 383.018
Acquisition value if you take a loan = Rs 240,000 (-)
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Loss of Profit
Rs 143.018 (Loss of Potential gains)
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Who benefits exactly? ==> Bank
With Rs 95,000 loan capital, the bank received Rs 175.359 from you over the last 20 years
that. This means that they profit more than Rs 80,000 from the ASB profit you can
if you can save money own use.
The problem is, banks can not invest in ASB because ASB is for individuals
natives. With ASB loan, they can make profit ASB dividend yield they take
from your investment.

Who are the losers in fact? ==> You
Should you can profit Rs 143.018, but you only profit Rs 64,641 only
when the use of ASB loan. Bank of profit over Rs 80,000. Therefore, the better you
ASB store own pockets.