Rahsia untuk Settle Loan Rumah Awal (2024)

Rahsia untuk Settle Loan Rumah Awal (2024)
#afhamyusof #loanrumah #mortgage
Chapters:
00:00 Basic Loan Rumah
03:11 Function Kau bayar Loan
05:00 Flexi Loan - Syarat 1
06:37 Duit Extra - Syarat 2
07:23 Stratergi berkesan
08:38 Mortage calculator dan Outro
Social Media:
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⚠️ DISCLAIMER: The information and publications are not intended to be and do not constitute financial advice, investment advice, trading advice, or any other advice or recommendation of any sort offered or endorsed to the viewer. I also do not warrant that such information and publications are accurate, up-to-date, or applicable to the circumstances of any particular case. This video is for entertainment purposes only
TAGS:
loan rumah, hutang rumah, pinjaman rumah, home loan, housing loan, mortage, loan hartanah, loan tanah, loan rumawip, loan approval, cara bayar hutang, hutang, debt, debt snowball, dave ramsey, mortgage calculator, karl's mortgage calculator, afham yusof, financial faiz, faiz azmi, adam zubir, baki loan, loan maybank, ezi home loan, skim rumah pertama, rumah pertama, subsale, undercon, rumah, beli rumah, tiny house, finance, financial, finance malaysia, asb, versa, wahed invest, versa invest, versa save

[@afhamyusof]

Sorry rumah aku panas, duit aku tak cukup nak beli kipas, 😀 Support channel ni dengan simpan duit di Versa (kau pun dapat RM10) download.versa.com.my/1bAf/referral?deep_link_value=VERSAAY register dan masukkan atleast RM100 CODE: VERSAAY

[@muhammadhafizuddin4121]

Bro next is semi flexi dan full flexi

[@afhamyusof]

@@muhammadhafizuddin4121 okay boskur

[@nurlianaaziz2827]

@@muhammadhafizuddin4121 i pun nak tahu pasal ni secara detail..

[@furrycheetah]

Reduce loan principle is the answer to reduce our loans.

[@muawiyah350]

Terbaik afhan. Video yang sangat bagus untuk educate orang muda. Kekal semangat afham

[@govimukunthan9880]

Thank you, sir

[@BiebsMyFlawless]

tengok video Afham senang faham dan trusted

[@user-gf4dv4bv4n]

terima kasih atas perkongsian...saya dah amalkan...cuma idea tuan lagi smart..mantap tuan

[@jonnyantony8111]

Thank you broo

[@jjgg7677]

Thank you🎉🎉🎉

[@tianjack9301]

tuan mohon buat review versa global-i trima kasih tuan

[@wizanasamsuri]

saya beli umah (rm174k)lppsa 1 dlm masa 15thn.. tp dpt settle dlm ms 9thn.. coz sy akn byr lebih dlm awal thn

[@ikmalyana5906]

Lppsa boleh bayar lebih ke kak? Mcm mana nak buat?

[@wizanasamsuri]

@@ikmalyana5906 bole byr lebih.. cuba tgk" all payes" kat maybank ada bahagian "bayar sebahagian lppsa" @ "bayar sepenuh lppsa". dlm portal lppsa jika mahu byr penuh sekurang2nya 6 bulan advance...

[@xizou2931]

Byar lebih berapa kak? Jumlah bulanan x 12 ek

[@wizanasamsuri]

kalo kat lppsa..kena byr 6bln advance dari jjumlah kena byr.. tp akak byr mcm lebih 5k mcm tu.. kat maybank online.. kat maybank online ada all payes..then cari lppsa-byr sebahagian...mcm tulah.. akak byr

[@nasrulhakimroslan115]

Setiap tahun akak buat ke ataupun tahun2 tertentu?

[@norazlanmdtaib-tz5ce]

Setuju.tapi saya punya loan adalah basic term load.boleh juga bayar principal cuma kena direct ke bank dan amaun paling rendah utk direct bayar principal adalah rm5k.dpt juga membantu utk kurangkn interest

[@Boiwithlegs]

Mantap la editing, edit gune ape boh

[@afhamyusof]

Premiere pro bosskur

[@syedfareez4188]

Buat vdeo Cara nk beli rumah plk 😊

[@alibaba-ez7mm]

kat mana nak check flexi ke x flexi dlm page agrement tu

[@aliashassan7047]

👍👍👍

[@rafiqbadli925]

Good sharing, bro! 👍🏼 However, there is another better way to do it. The extra RM200/300 can be invested in ASB/EPF (or other investment vehicles that can provide decent annual dividends). Here, you can leverage the power of compound interest. High-level example: Method A: Use extra payment to pay the principal. Let’s say, in 19 years, you manage to settle your house loan. Method B: Use extra payment to invest in ASB/EPF. If you calculate, let’s say with a dividend of 5% - within 19 years, you generate a decent return where you can fully pay off your house loan PLUS additional money due to the compounding interest. My point here is to INVEST the extra money, then within X years, you can fully pay off your house loan PLUS additional money

[@skyview6188]

good but i sick when people put 5% dividens on asb. we all knew 5% is too high with current and previous performance. can we just put the lowest ?

[@afhamyusof]

Yeah, i took pro-mortgage stand here, cus some prefer to be debt free . of course the logical way is to invest in better performing asset.

[@girithaara]

This has been proven to only work for a very small % of people. Check out Dave Ramsey's studies. I would rather finish my house loan faster and sleep well at night knowing I no longer have any loan overhead. Financially putting money in ASB is the better option, but emotionally settling the loan faster is better mentally.

[@varugheseabraham2743]

@@afhamyusof Hi Bro I have same thought on what bro @rafiq mentioned.. but can I say EPF is the best place for me to invest as I can see in conventional account average is 5% and past years I have never seen less then 5 %. So is it wise to invest and letak extra je dlm EPF and at the 19th year do full settlement for the house ?

[@boyboyboyboyboyboy-ur1jw]

👌✅

[@khaisaleh2683]

Wei. Gambar rumawip tu memanh rumah yg aku nak beli. Baru mula sign dokumen semua. Lepas ni siap sedia bayar hutang. Hope dpt habis awal

[@HahaTvProduction]

Afham, x silap aku utk basic term loan kita akan bayar bulanan tetap (fix) tanpa dipengaruhi oleh kenaikan OPR semasa. Tapi kalau ambil flexi monthly instalment kita dipengaruhi oleh OPR. Betul kan?? And dia ad beza full flexi and semi flexi.

[@afhamyusof]

Ya, fixed rate utk basic term loan, bayaran sama saje untuk 35 tahun. flexi bergantung pada rate semasa. Flexi dan semi flexi beza sikit saje, kita kena inform bank dulu utk pembayaran extra

[@bukharyahmad934]

salam tuan kalau untuk kereta boleh tak buat flexi loan

[@fixmaster6956]

kalau rumah interest rate hanyala 4%, better simpan dekat pulangan lain leh bg 5-8% ker, duit tu sampai certain tahun boleh bayar duit balance dekat loan rumah td, ni lg berbaloi

[@wfznl9649]

Untung Flexi loan 👍🏼😊

[@Bebanganrider]

Hi bro. Sorry nak tanya. Apakah taktik ni juga untuk LPPSA? Atau hanya untuk bank loan je?

[@faizro5368]

Salam nk tanya..kalau islamik loan pula?mcm mana ya

[@cahayapermata3346]

Maaf tuan kalau utk long asbf boleh juga ke

[@tengkuasyraf8327]

apa kata yg duit lebih tu pergi simpan dkt tmpt yg ada compounding interest.. cukup je amount buat full settle ment

[@Rie.Gaming]

Kalau dah teramik basic term loan. Apa tips dia utk kurangkan bayaran?

[@RajveerSingh-gg9uq]

ada lagi satu cara kan guna epf untuk settlekan hutang rumah awal, next boleh buat video pasal tu gak, mesti ramai taktahu

[@mohdzulfadlizulkifli2614]

Rugi bang, epf div dlm 5-6%, hutang rmh dlm 3-3.5%

[@afhamyusof]

Ha'ah kalau ada EPF boleh setelkan jugak, tapi boleh keluar akaun 2 saje.

[@badrulhafiz2248]

Tp ada yg ajar ...duit lebih tu letak kt kwsp Hujung tahun dpt dividen Setiap bulan tambah 200 + dividen Nnti dalam 20-25 tahun dapat settle rumah sekali dpt duit lebihan dividen

[@fauzan9991]

apa perbezaan dari segi installment antara basic tenure loan dengan flexi loan?

[@afhamyusof]

Basic term loan fixed, flexi dia berubah ikut opr

[@amirulfaiz2704]

untuk yg loan basic term tu ke, masih ada cara ke untuk settle pinjaman awal?

[@badman5356]

Selain dari bayaran loan rumah, apa lagi bayaran lain kita kena bayar dalam setahun tu?

[@nurlianaaziz2827]

Afham makanya jika seseorang tu ada cash 300k dan nak beli rumah 300k tapi tak nak beli secara cash,apakah cara terbaik yang boleh dilakukan?

[@ahmiediswan]

klau PL boleh tak buat cara ni ?

[@hakimzenian]

Bole pakai teknik sama tak untuk settle personal loan lagi awal..?

[@usamahaqsa8148]

So kena cakap flexi loan jangan cakap besic term loan kat banker?

[@shukrinaabdulrahman1740]

Macam mana kalau dah terambil basic term loans. Ada cara utk cepatkan habis bayar loan if nak bayar lebih setiap bulan?

[@OsmanTanjung]

Mcm mana nk check flexi loan atau fix?

[@valenciagoh419]

kalau bank dah tolong tetapkan basic term loan. dah tak dapat buat apa2 lagi kan?

[@mdhfz336]

this is what i 've been doing for the last 2 years, alhamdulliah semakin lama semakin berkurang jumlah kena bayar profit tu and principal pun makin kurang, satu lagi kalau nak ambik balik duit extra payment tu boleh je redraw so tak payah takut nak bayar banyak. btw kalau islamic dia guna istilah "profit" bukan "interest" tapi basically the same thing. rajin2 lah check berapa profit dia caj setiap bulan dan dia akan kira ikut hari ye.

[@nasrulhakimroslan115]

Bayar extra tiap tiap bulan ke ataupun bayar sejumlah wang bagi tahunan?

[@mdhfz336]

@@nasrulhakimroslan115 bayar extra bulanan , maybank la , kalau bank lain atau LPPSA mungkin lain.

[@mdnashrulikhwan5531]

Saja nak tanya,kalau loan kereta ada flexi loan?

[@mazlanibrahim5275]

Personal Loan dan Loan Kereta boleh guna Flexi Loan tak?

[@leeaba7537]

Personal loan blh buat camni tak?

[@muhammadalainmatzin8547]

Kalau kereta pun terpakai ke kita nak buat camni?

[@zuraidiza9655]

Nice sharing. Tapi kalau nak cerita pasal type of home loan kena citer juga semi flexi. Semi flexi ni tak dapat current account untuk buat cara dlm video.

[@afhamyusof]

ya semi flexi kadang2 kena pergi kaunter

[@nurlianaaziz2827]

@@afhamyusof maksudnya kene buat loan full flexi yea,baru boleh ikut cara tersebut?

[@afhamyusof]

@@nurlianaaziz2827 semi flexi boleh je bayar prinsipal, cuma kena pergi kaunter maklum dkt bank (renyah sikit)

[@user-im6is7do1g]

Tapi semi flexi katanya tiada untuk islamic fainancing kan only conventional

[@mrHega]

Boleh apply dekat loan kerete ke bro?

[@user-ft1sp7yd9n]

Lppsa biasanya Flexi loan atau basic term loan ye?

[@faridmansyur6053]

Sangat bermanfaat, tapi daalm pandangan lain, ikut keadaan ekonomi juga, boleh pertimbangkan untuk dimpan duit lebih korang dekst asb dan dengan konsep compounding dividend, korang boleh dapat pulangan llagi tingg berbanding cara ni

[@mohdzulfadlizulkifli2614]

Btl, psl div lg bsr klu asb,ahb@kpb...pndpt sy klu nk smpn pi smpn kt AHB@KPB, div 5-8% after zakat, asb 5% lom zakat

[@hakiemhalim6006]

​@@mohdzulfadlizulkifli2614Ahb tu apa ya? dia mcm asb juga ke?

[@YusuffAnimation-YusuffTV]

Kalau semi flexi loan mcm mana plak ya? mcm takde pun current account untuk add on payment monthly

[@afhamyusof]

untuk semi flexi ada yang kena pergi direct kaunter untuk buat extra payment, ada yang boleh ikut app saje

[@muhammadfarismuaz1480]

Lppsa boleh x

[@al-qodrisaari5573]

loan LPSSA boleh ke?

[@wzanfist9144]

Salam, saya ade pernah tanye banker mengenai bayaran lebih utk tolak principal ni. Banker tu nasihat kalau ade bayar lebih, kena call inform pada bank yang kita bayar lebih utk tolak principal. Daripada video ni, ade sebut yang bank akan secara automatik tolak principal. Jadi, apa maklumat terkini mengenai ini?

[@afhamyusof]

Kalau kena maklum bank tu semi flexi, kalau tak maklum dia anggap advance payment utk bulan depan

[@wzanfist9144]

@@afhamyusof ok baik. Dah faham. Terima kasih

[@testrun5685]

Saya ambil Islamic financing.. banker tu kata pula blh letak duit lbih dlm acc tu, every month ikut schedule installment, tapi kiraan interest akn include extra duit yg kita bank in dlm acc tu (user still blh draw out extra duit tu).

[@rob.luccie7748]

sama la kita 😂

[@pekja8007]

Full flexi

[@budakRancak96]

Jauhi daripada riba🥰 beli rumah cash mengikut kesesuaian & kemampuan kita😎💪

[@RIVERDEER22]

Kalau cash it will take forever.. But yeah.. Not impossible

[@RIVERDEER22]

@muaznorahmad2436 kalau ada pilihan yg syariah pilih je.. Sbb ada badan2 yg luluskan.. Apa2 dia tanggung. Sama jugak kes yang dulu solat berjemaah jarak2.. Kalau ikutkan xsah.. Tapi ada ulama yg keluarkan hukum dibolehkan.. Dia la yg tanggung..

[@afhamyusof]

@muaznorahmad2436 Beza loan islamik cuma dari segi contract saje. Bank beli rumah tu and jual kat kita pada harga markup. Bank tetap untung sebab bank kan bisnes

[@budakRancak96]

itu di panggil konsep perjanjian@muaznorahmad2436

[@hakimraiser3626]

xsemua mampu beli cash bro. Xkan umur 50-60 baru nk beli rumah? Masa tu cucu dh ramai beb😂 Kalau yg gaji rm2k kebwh, agak2 brapa lama kena kumpul untuk beli rumah sebiji? Nk xnk kena sewa rumah gak

[@izzatahmadmuhaiminibrahim8162]

First bang

[@afhamyusof]

second

[@ViraleVideo0]

Sistem ni sama tak dengan personal loan

[@afhamyusof]

Loan kereta dan personal biasa basic term loan

[@adzhariadzan69]

Afham, nk tanya sikit, saya beli rumah tp banker tu bg tau yg loan rumah saya is semi flexi... so sama ke dgn flexi tu??

[@fauzan9991]

apa yang saya baca kat gugel, full flexi boleh keluarkan balik duit lebih yang kita bayar untuk prinsipal. kalau semi flexi, rasa boleh keluarkan beberapa percent dari lebihan prinsipal yang kita bayar @ mungkin tak boleh keluarkan dari current account tu langsung

[@a_fai120]

Loan rumah sy minima principal kna bayar 1k 😭😭 tak ley bayar bawah dari 1k 😭😭

[@mohdfaddli8977]

rhb ke?

[@a_fai120]

@@mohdfaddli8977 ye rhb

[@rafiuddinibrahim3089]

Flexi dgn semi flexi sama ke?

[@afhamyusof]

Lebih kurang ja, semi flexi kena inform bank dulu kalau nk bayar extra dkt prinsipal

[@rafiuddinibrahim3089]

@@afhamyusof klau tak inform dia akan jadi advance payment jugak ea

[@chunglee7033]

Bank memang Ah Long yg berlesen..mati rakyat

[@0122340758]

semi flexi sama mcm flexi loan ke?