Rahsia bayar RUMAH AWAL!? [Hutang] 13 tahun awal! Wow! (Pakai EPF je)

[@FinancialFaiz]

M+ Global 🌐 Web ➜ bit.ly/ffMPLUSGLOBALrefer1 🌐 Web ➜ financialfaiz.com 🐼 Tiktok ➜ financialfaiz.com/TikTok ❄ Twitter ➜ financialfaiz.com/Twitter 🥑 Spotify ➜ financialfaiz.com/Spotify 🍋 Lemon8 ➜ financialfaiz.com/Lemon8 🍎 KZbin ➜ financialfaiz.com/KZbin 🧊 Telegram ➜ financialfaiz.com/Telegram 📘 Facebook ➜ financialfaiz.com/Facebook 🍇 Instagram ➜ financialfaiz.com/Instagram For business inquiries and job inquiries, please contact us at: 📧 Email ➜ [e-mail] Duit Aku, Hidup Aku! 👉 financialfaiz.com/DuitAkuHidupAku Beli buku Financial Faiz pertama di Shopee! ASB Financing 👉 financialfaiz.com/asbf Melabur di dalam ASB menggunakan financing! Takaful hibah dan medical card 👉 financialfaiz.com/takaful Dapatkan perlindungan diri dan keluarga!

[@salehhudinmohdnoh4159]

Sekarang ada service FIS , future interest .mcm mana die calculation ?

[@AbdulHafiz-og9xz]

Encik faiz saya nak tanya.. rm6000 setahun tu kena topup rm500 tu utk setahun tu hanya utk setahun je ke? Dan biar rm60000 tu slama 287 bulan??

[@AbdulHafiz-og9xz]

Atau pun rm6000 tu kita kena topup utk slama 287 bulan?

[@KevinDaniels-c6t]

mantap encik faiz. Mengajar pakai tukul yer. Salah satu psikologi menunjukkan tajuk ni sangat penting.

[@mouruguwa1627]

Hahaha

[@firdausdahlanjourney3879]

Mgkin lepas ni pkai gergaji plk...

[@khairolazlan286]

Jjjhhnhjjzjsjjsjjzgjaixkkxxkxkkxxjuduididvdbxhjdjdjdjdjddjdhdhjxmm 🤩🫤😢🫤😢😕😮😳🤯😢😯🤯😯😕😰😯😰😢🫤😮😯🫤😡😢🫤😢😖😵‍💫🤯🥶

[@mrfarhan9640]

Next bleh laa pkai pistol plak😂

[@musishak6721]

Satu lagi disadvntage bayar loan awal adalah nilai duit itu sendiri....kalau kita hutang rumah 500k sekarang lagi 35 tahun value duit itu sendiri dah kurang berbanding sekarang...lagi 35 tahun 500K mungkin dah punya nilai 200K sahaja disebabkan inflasi... Satu advantage settle loan awal adalah ketenangan jiwa...Bila loan dah settle bole enjoy lebih skit😅😅

[@jeruklaici5040]

Kau mmg xpenh dgr psl mltt mrtt ke

[@aunieismail2945]

informasi yang sangat bernas! Saya sangat suka channel ni. macam gaya rich dad version melayu educate about money and very simple dan mudah untuk difahami

[@LoqmanZZZ]

aku sorang jeke rasa cara a lagi untung , sebab dia keluarkan duit daripada account 2 , which mean later on dia still ada account 1 , and rumah dah habis bayar , and still ada balance kat account 1

[@kaptenluffy4518]

Duit kat EPF tu nanti berganda sendiri... Keluarkan lah apa yang patut dan bayar hutang cepat..ko nak tunggu apa lagi!?INTEREST BANK kadang naik.. Ko boleh kejar ke?? dengan nilai mata wang menurun..zaman sekarang kene setel cepat perkara yang melibatkan duit ni.

[@epulgsr7502]

interest rate loan sekarang pun nk cecah 5% ,ceiling rate boleh pegi 10% .apa nk difikirkan sangat EPF,ada duit keluarkan je selagi bernyawa.kalau umur tak panjang pun,principal dah xbanyak balance. bayar extra monthly + yearly keluarkan EPF account 2 utk bayar principal.sy x mengharap benda yg x pasti lagi,selagi terdaya & mampu,settlekan secepatnya.

[@sateshjarod]

Thank you sir for sharing this information. Now i have a basic idea of how to go about

[@dr.wanmaslizawanmohammad349]

tapi kalau interest bank is higher and late payment charges ada macamana?

[@sojusuku]

Cara A sesuai kalau tiba tiba hilang atau kurang punca pendapatan. Atau untuk yg tak suka hutang lama lama. Dah tak suka, nak buat cemana kan.

[@ahmadfauzi5757]

Cara C lg cepat habis hutang

[@FinancialFaiz]

Cara B boleh settle hutang tu bila². Still better than cara A

[@pfn9950]

Cara B la lebih bagus. Mcm mana la masih x faham kan cara A dgn B tu still 287 bulan.. anytime blh full settlement. Untung lg cara B. Sedih la..😅

[@sojusuku]

@@FinancialFaiz betul. kalau ikut calculation memang cara B atau cara C. Tapi bila dah tak suka kan. org yg tak suka dia kira guna hati bukan guna otak.

[@ahmadfauzi5757]

@@sojusuku paham tuu.. Tp kalau nak lg cepat habis cara C

[@syamrin74]

For me, interest rate saya lebih tinggi dr pulangan epf. Itu kenyataannya...apa lagi amik islamic loan. Mungkin sebb pinjaman rumah per1 x smpi 150k (tahun 2001). Pulangan epf pun tak pernah melebih interest loan. So, dlm hal sy, sy keluarkan akaun 2 je dan alhamdulillah habis awal pd akhir 2016. Jika ikutkan tamat pada 2030. Kembali pindah ke rumah pusaka arwah sejak beliau sakit hingga meninggal dunia pd 2017, dan rumah per1 tu saya sewakan... kadar sewa pula dpt lebih dr byrn rumah sebelum ni. Cukuplah tuk maintenance dan beli makanan kucing tiap2 bulan, 😅

[@budakpizza]

selagi ada kudrat dan peluang utk kerja, aku akan bayar hutangrumah based on gaji yg aku dpt...epf/th/asb biar lah di simpan dan beranak pinak dgn compounding...ini cara aku lah....huhuhu

[@-fazmail]

Correction for B kalau buat full settlement after 287 months you only need to just pay principal variance saja. Lebihan simpanan EPF lebih tggi dari yg Faiz nyatakan on whiteboard. Saya dah buat calculation before this for my housing loan and also check with Bank.

[@oktoluq]

comment sikit coach @faiz

[@SahelAlfateh]

perkiraan yang lebih tepat memang akan lebih tinggi. apa yang Tuan Faiz berikan contoh berdasarkan assumption interest rate loan 4% tak berubah & EPF 5% tak berubah. Apa2 pun, principle & teori, cara B lebih untung.

[@ellyjjs]

Kalau loan kerajaan?

[@vancedmanager4132]

Anggap je yg B tu fixed rate housing loan

[@jimmytan3935]

Cara D - Rajin sikit cari duit lebih bayar rumah lebih RM250 pun cukup lah tak guna duit epf. Cara ini better than cara a,b dan c .

[@muhamadizwanzakaria396]

x jgk tu. if extra money RM250 tu simpan kt tmpt yg bole bg dividen more than housing loan interest. lgi bgus. kecuali x kesah janji dpt setel hutang awal. so berbalik la pada matlamat masing2. for me. better compounding kt mne2 tmpt yg bg dividen lebih dri housing loan interest.

[@muhdizzlan974]

Tuan, nak tanya. Guna cara B, baki hutang rumah tu 237k. 237k ni principle ke princple plus interest? Bukan buat full settlement bayar principle je ke? Minta penjelasan

[@nikhnikm4602]

Team bayar awal2 pakai EPF account 2 here 🙋. Saya dapat settlekan home financing dalam 13 tahun. Tiap bulan bayar lebih dan every few years bayar pakai EPF withdrawal. Now baki EPF saya masih sihat dan berkembang mekar, saya hampir financial freedom except for hutang ASB financing dan 2nd house yang saya sewakan. Rumah yang saya duduk sekarang dah tak hutang dan dah appreciate in value almost double. Saya dah kurang tension sebab saya tahu I have the 'F' you money in case of emergency. Kereta dah umur 12 tahun tapi masih steady lagi, Alhamdulillah x payah beli baru (go Honda!). Masa MCO dapat moratorium saya start beli emas, sikit2 now dah ada few hundred grams. All it takes adalah sedikit ketahanan diri, deferred gratification dan kerendahan hati untuk hidup bersederhana di usia muda. Bila kita boleh enjoy hidup kita dgn spend less than what we can afford, we are in a good place. Insya Allah.

[@FinancialFaiz]

Based on EPF vs mortgage numbers if you had let the money to yo grow in your EPF account you would have settled the loan quicker than in 13 years. Your loss, you cant argue against maths.

[@acabkhai1826]

​@@FinancialFaiz setuju.. apa2 yg melibatkan financial ni kena buat kira2.. tak boleh main agak2.. tak boleh jadi ahli nujum.. 😊

[@muhamadfaizulimran802]

Buat kira2 bro . Bnyk bro rugi klau bayar installment rumah extra , better extra money tu carum kt epf , bole settle lagi awal rumah tu

[@Elon_must_not]

@@FinancialFaizhahahaha penat je cik faiz membebel dalam video tu. takpe lah, cik nik pun dah sampai ke penghujung hutang, benda dah lepas. Orang yang belum ada hutang rumah macam saya ni better ikut cara cik faiz drpd cik nik.

[@kayrelzin5606]

​@@FinancialFaizhe did say hes less stressed over long term loan and have the backup money prepared.. Yes its his loss for not gaining any extra interest income from epf but in his case to my understanding and lots more out there, theyd rather not worry about how to pay big ass loans in 20yrs which during that time anything can happen(sick,sacked etc) rather than cash in extra chump change after 30yrs.. 🤷

[@dequadin18]

Good point of view. Another few good points of early settlement is that one can request to cancel the MRTA/MDTA and get some refunds. (1) The earlier one fully settle the mortgage, the higher the refund from insurance. (2) tak risau pasal interest hike by bank (3) guna wang (instalment) extra utk melabur (cash flow is important)

[@mohammadazwanhassim6260]

at what time sesuai untuk request cancel THOSE MRTA/MDTA?

[@reddishhot6043]

actually this one is complicated to calculate n required a lot of assumption especially on insurance part…you said about cash flow but u just transfer your epf to loan so no cash flow problem here, still the option B and C is better your point on interest hike boleh je follow time interest dh naik dr epf time tu laa kita transfer some amount from epf… anyway both ada pros and cons and depends on our target…settle loan earlier? cash flow focus on retirement? buying new house?

[@shahrulnizam5263]

After paying off the housing loan, any recommendations that we should continue to pay the MRTA insurance by ourselves or not canceling the MRTA life insurance beside continue the renewal of the house owner insurance?

[@reddishhot6043]

@@shahrulnizam5263 as far as i know MRTT or MRTA, protection only for the loan if u paying off the loan amount earlier u could get a cash back because the premium amount has been included in the loan amount if u ask about MLTT or MLTA, it is different story, u can ask your property or insurance agent actually, i wonder why you guys opt for assurance rather than takaful.

[@shahrulnizam5263]

@@reddishhot6043 so, what is the best Takaful provider for MLTT/MLTA?

[@office9992]

Tuan faiz.. Skrg dgn kenaikan opr n gala bagai interest rate dr 3.7% da naik ke 4.95% da Sgt tggi, jika kita simpan Asb + tlak zakat x bole da nk cover interest rate loan da So bkn ianya lbh baik jika kita byr lbh untuk loan drpd simpan ke Asb or Kwsp? Mohon pencerahan

[@hakimsamsudin8790]

Why bother nak buat early settlement? House loan memang akan attach with MRTT/MLTT so selagi bekerja bayar jelah macam biasa then EPF compounding sampai 35 tahun. Then lets say berlaku kematian/TPD, MRTT or MLTT cover the house loan terus. Then lets say takde jadi apa apa dapat 3 in 1 bonus, EPF RETURNS+PAID OFF HOUSE+MLTT MATURITY BENEFITS=BOOM RETIREMENT/EDUCATION FUND. This is my personal opinion, i hope Mr Faiz can tegur if salah my thinking.

[@Alien345-f1o]

Ikut orang,sebab orang fikir nak bebas hutang secepat mungkin sebab taknak fikir komitmen dah. Ikut orang Dan Cara dia.

[@mohamadfaiz5472]

Betul apa yang sahabat cakapkan. Tapi mostly sesetengah pemikiran orang nak bebas hutang sebelum pencen di usia tua.

[@Rsyraf]

Hutang 35 tahun tu tinggi risiko untuk terjerat pada late payment. Sebab tu orang nak fully settle. Mortgage rate berbeza ya bila dah terlewat 1 bulan bayar.

[@argentumschneider6787]

ada org yg prefer untuk bebas hutang awal. kalau financially pn, katakan lah umur panjang, tuan akan fully byr loan tu for 35 years which means tuan byr full yg dipinjam + kadar keuntungan. selesai hutang awal bermaksud tuan byr yg dipinjam + lebih kurg dibayar pada kadar kenuntungan bank. jadi, kalau umur panjang, rugi sebenarnya

[@AjLuvU]

25 tahun rasa laju ke? mak aku bayar dalam 10 tahun je settle berniaga nasi lemak tepi jalan je

[@fab4miner]

Triple A content! Tqvm! Sedikit perkongsian dari pengalaman sendiri. Bila nk beli rumah, saya cari rumah yg max out dsr, jadi gaji cukup2 makan utk serve loan. Memang sakit bayar rumah bulan2 masa awal2 loan, tapi over time, gaji saya meningkat dan loan rumah akan jadi ‘kecil’. Maka pada awalnya saya buat epf withdrawal utk bagi cushion (cara A). Tapi bila gaji saya dh cukup selesa, saya stop cara A, dan fully bayar guna gaji utk serve loan, dan beralih ke cara B. Pada saya itu lebih praktikal. Betul, memang ada yg tak tgk mcm ni, ramai kata beli rumah murah sudah memadai sbb nk selesa bayar bulan2, masih ada duit lebihan utk bayar benda lain. Tapi bila family dh besar, kena upgrade rumah dan perlu lalui proses yg sama, dan harga rumah selalunya lagi cepat naik dari peningkatan gaji maka nak upgrade akan lagi susah, ditambah lagi faktor usia meningkat dan loan tenure yg makin singkat. Utk saya yg beli rumah pada jumlah loan maximum, saya tak perlu upgrade tinggi sgt kalau perlu, disebabkan rumah saya duduk skrg pun boleh jual pada harga tinggi (big assumption). Secara ringkas, saya rasakan cara pendekatan A lagi praktikal.

[@abhalimmohamed4313]

Boleh selamatkan kita drp terjebak dgn riba yg berpanjangan.

[@Rainy_days_lover]

Bro, boleh buat ceklist utk beli rumah apartment sub sale tak? Sbb bila minta agent letter of authorization to sell property and minta geran strata diorang xnak bagi. Takut agent lepas tangan n kejar komisen je

[@amarmohd7330]

Keluarkan duet epf bt investment sendiri bukan 5% je 1000% pun boleh dapat😅😅

[@ridzwanramli5007]

Some people even argue you should keep on paying the instalment for the whole 35 years to maximise the compounding effect in the EPF account. But as and when you grow older you will realise that money is not everything especially when your health is not at the optimum level. You would want to settle any obligations as early as possible so that if you die earlier than expected at least the house that are our family live in is already free from debt. This is one of the ways we can do to ease the burden of our family should we leave them sooner than expected.

[@BlaqZ]

The reason for that is you already has MRTA/MLTT, assuming you actually go for the full 35 years. You die, they wont be on debt, infact if you go for MLTT they will even gain more money. Also never buy a house without insurance if you truly care of your family.

[@yakobubaid]

indeed, good point here.

[@rinhale9780]

Yes,from experience,my father cannot work anymore (health issue)and the house and car were paid by insurance.

[@nikzulhafizi6589]

that's where takaful/insurance comes into equation

[@PassionLoverable]

Not to mention this is why nomination section exists, if really anything family can be paid with the amount from nomination, ur statement is just so dumb

[@liberaltart7531]

Agree with calculations no doubt but everything comes with balance. But there are some opportunity cost in putting all in EPF as you can only withdraw the whole sum after 55 years old, and clearing existing house loan allows you to have more credit line with bank if any opportunity arise.

[@adiraemilee]

Kalau ada ambik MRTT full tenure, ikut cara B lebih berbaloi, kot mati awal lah kan.

[@jasonwishere3121]

Kalau ikutkan dollar and cents, biar dkt epf is ok, u can maximise the compounding interest from epf..tp if u take into account being financially free and being able to use the extra money for other financial instrument such as asb savings, i would prefer to be financially free and being able to do other things with my money rather than being a financial slave to the bank

[@reddishhot6043]

fhmkan video A and B both early settlement at 287th month and C even earlier, jd not worth it every year transfer dr epf ke housing loan…klu one day epf rate lg rendh dr housing loan kita time tu laa better transfer epf ke housing loan

[@jasonwishere3121]

@@reddishhot6043 i know what im talking about dr pengalaman..r u talking based on formula yg ko sendiri tak pernah cuba?? I can finish paying a housing loan within 10 years walaupun ambil loan 30 years..have u done anything like that? The best part is im enjoying a commitment free life since age 40...kalau aku nak ambik asb loan pun anytime sebab i free myself from commitments...and i have previously commented that its not worthwhile to compound ur money in epf sebab its money that u cant taste unless u r already old and unable to do much in life except worry about ur health and medical bills

[@mrri8166]

Betul, kalau nak guna wang, elok epf pindah ke loan.

[@hasnahabbas72]

Seteljan cepat utang riba tu n taubat nasuha

[@zaheerazainuddin8519]

Dah settle loan umah! Yeaay! alhamdulillah 😍

[@_gotchamocha]

Sebab tu i skrg byk campak baki duit gaji dlm KWSP biarlah RM10 pun sbb tahu kadar bunga KWSP memang memberangsangkan setiap tahun. 😊

[@danialmuhamad9910]

This is legit financial advice video bukan mcm lagi 1 tue...claim diri "pakar kewangan" while bukan lepasan jurusan kewangan

[@woodypiesyafie3147]

Dia bawa hammer guys 😂 nice advice sir!! 🫡

[@peterwong8499]

If we can fork out some extra for monthly prepayment without touching from EPF, would that be ideal? Afterall you mentioned our salary should have annual increment. But yes I can understand it can be very challenging especially of our current inflation rate we need to be very discipline with our spending habits in order accomplish such practice.

[@eikinloveabang6286]

En.Faiz comment sikit pasal cara FIS Mortgage Consultant buat. Mereka buat monthly installment amount berkurang tapi tenure masih sama. Pastu bayar bulan pon jauh beza rendah drpd amount dalam Letter Offer. Ulas sikit

[@dayanatojannah]

Mcm mana dia nak kurangkan monthly? Guna kwsp akaun 2 ke?

[@eikinloveabang6286]

@@dayanatojannah Nope. Dia suruh u bayar macam biasa setiap bulan tapi kaedah penbayaran every single cents kena follow cara dorang date dorang bagi sbb qoutation bayaran tu dorang yg sediakan. Jauh beza installment yg bank suruh bayar dgn table yg dorang sediakan. Tu I nak En.Faiz ulas cara dorang

[@dayanatojannah]

@@eikinloveabang6286 I see, hm ilmu baru ni. ok saya tambah comment sini supaya En Faiz dan team nampak hehe sbb saya nak tahu juga

[@najmuddinM]

Macam terbalik? Their package comes in u nak reduce tenure by how much kan? But technically, method dia samada buat bi weekly payment atau pay extra principal. Dua ni je fundamental nya.

[@najmuddinM]

But the service charge entah berapa ribu ikut percentage harga rumah. Baik u study video faiz. Call banker or go to counter to confirm the payment method then follow je bayar sampai habis.

[@rianhidayat1023]

Satu lagi, yg option B tu ialah assumption fixed RM500 sebulan sedangkan gaji naik setiap tahun atau tukar kerja gaji baru, jd sbnrnya realistically akan dapat lebih dari rm39k tu

[@FinancialFaiz]

Kita buat apples to apples comparison. Capital-outlay untuk tiga² contoh ni sama, rm6k je Kita tgk apa jadi dekat rm6k tu. Duit EPF lain, lain cerita.

[@inderjitvarma6912]

Salute to respect people's comment and perfect advice. Memang planning yg padu. Habiskan hutang sekali Gus target savings. 2 in 1👍

[@artodesigno5866]

Terbaik tn faiz. Buat perbandingan yg detail. Sy buat cara B. Tukul tu mcm nak hempuk org jer 😂

[@whcapital2042]

That's why even I have the wherewithal to settle fully the housing loan, I still choose to loan as much as I can. Because as long as I can earn higher interest than loan interest, it is stupid not to loan the max you can. In saving account, you have compounding working for you, while a loan is a reducing compounding account. Even if loan interest is higher than interest you can earn elsewhere by a bit, it is still more worthwhile to loan as much as you can. The rich use money from the poor to earn more money from the poor, while the poor keep paying money to the rich to 'feel bebas dari hutang'. 😊

[@nurainahmadzawawi1269]

Tuan..sy nk tanya.. if kita byr bulan2 rumah contoh dlm rm900/bulan tapi kita portionkn rm450setiap 2minggu setiap bulan.. adakah ia akan kurang tenure loan rumah juga?

[@FreeFire-cx3zy]

Saya ada kawan Sekerja di kota Kinabalu,membeli rumah 15 tahun yang lalu harga RM65k dan bayar guna EPF sampai habis tahun lalu..januay lalu hanya RM3k saja dia dapat umur 50 tahun...tapi saya tanya dia harga rumah dia sekarang kalau di jual berharga RM180K

[@esqandares]

i think bro faiz dh penah explain benda nie last time tp that time pakai ASB ... cuma cara dia simpan rm500 di ASB dan bayar principal rm500 sebulan.... lebih kurang sama ... cuma method dia EPF dan ASB ...

[@narvin3]

Salam Hormat, Boss saya nak tanya, I am just about to purchase my new home and currently we are still undergoing the loan application and etc. I have done research and I have been watching your videos as well, I do know the compound interest term and also the MRTT & MLTT rule, my question is , is it better to give 10% down-payment? For example the unit is currently under construction, predicted to complete by next year, banker told me that they will deduct terus so takde progressive interest, but I will make sure betul keh tidak, just nak tanya 10% down-payment is something that i am trying to pay which is about 50-60k that's just about the cash I have, FD, EPF account 2, savings. So after paying the 10% i might be broke in terms of savings and I am looking at 25 year term as i hate debt, Do you think i should go for broke and pay that 10% or just pay maybe 5% and be safe? Job is secure so the savings may not be needed for atleast 6 months but we don't know. Just that kalau dapat bayar 10% in a long run EMI dia sikit la and it's also a good practice if you have spare cash. But a lot of people prefer to keep that cash like you said, Loan is about 500k or slightly lower, if i pay 10%. what should I do? Technically this epf is just a one off for the downpayment. I have withdrawn before for ptptn and college.

[@Dazai_s]

hi may i know what's your take on this situation currently?

[@narvin3]

@@Dazai_s what's your question buddy, can you be specific? My situation or the one he is talking about?

[@zulkarnaen2897]

nice lesson . bytw ni marah ke guna tukul 😂 teringat cikgu aku

[@inderjitvarma6912]

Abg Faiz nak dapatkan signed copy of your book . any advice please.

[@FinancialFaiz]

from the shoppe link in my description boleh beli yang dapat signed copy

[@inderjitvarma6912]

@@FinancialFaiz terima kasih.🇲🇾 Akan dapatkan satu copy sekarang. Keep up good work. Wish to have more writing bout finance from you Sir. God bless you and your team.👍

[@kewalpreetsinghaulakh9338]

Very nice and detailed explanation with actual numbers based on real-world scenario!!!! You are a very practical financial advisor.. Thank you for your great knowledge Sir!

[@awangkuafiqagjaafar1988]

Terima kasih atas perkongsian Encik Faiz. Sikit lagi nak ikut langkah seperti video yang dipaparkan di Tik Tok tu. Apapun, garang ye Encik Faiz siap pegang tukul lagi tu. 😂 Sebelum ni pakai Rotan, Kali ni siap upgrade pegang tukul terus.😂

[@HakimRahman-w7x]

Good sharing! now i can perceive this from a broader perspective.

[@KikaNazareth]

Orang yang mencari cara tambahan untuk membuat wang mencuba mata wang kripto atau saham yang merupakan pendapatan pasif yang baik, anda memperoleh keuntungan dalam beberapa hari apabila anda melabur dengan peniaga profesional yang baik dan tidak lama lagi mata wang kripto, saham dan juga NFT akan mengakali sistem perbankan dalam masa hadapan terdekat berkhidmat sebagai fiat global, sudah membuat lebih 85% keuntungan daripada pelaburan semasa saya

[@IMe-kf5jl]

Saya meraikan portfolio saham $60k hari ini. Saya memulakan perjalanan ini dengan $16k. Telah melabur tepat pada masanya dan juga dengan syarat yang betul sekarang saya mempunyai masa untuk keluarga saya dan kehidupan di hadapan saya.

[@LoveOguama]

.Saya juga pelanggan isyaratnya, dan jika saya menilai ketepatannya, saya akan katakan 98%

[@CascedesAres]

​@@LoveOguamasalam!! Tolong saya telah mendengar banyak tentang Encik Hammon Cornish dan betapa baiknya dia l. Sejauh manakah keuntungan itu selamat?

[@LoveOguama]

Memandangkan pulangan mingguan yang stabil yang saya laburkan dengannya, tidak ada keraguan bahawa dia adalah yang paling boleh dipercayai dalam pasaran

[@KiJohnansen]

Saya akan mengenali nama itu apabila saya melihatnya, saya memperoleh €11,900 pada pelaburan pertama saya dengan Hammon Cornish dia telah menukar status kewangan saya selama-lamanya

[@aixoruz]

penerangan yg jituu sekali tuan.. alhamdulillah terima kasih atas ilmunya

[@testrun5685]

This method applicable given that our current government not fu*ed up our savings in epf for 'mega' project = mega tick 'suction'..

[@FatenNurfarhanaMatSom]

Salam Encik. utk cara B , kita masih membayar monthly installment rm2213 sebulan. untuk tunggu bulan ke 287, bermakna kita sudah keluarkan duit sebanyak 2213x287 : rm635,131. dan hutang rumah masih berbaki 237,528. saya masih rasa cara B rugi. sedangkan kalau cara A, kita dapat settle loan pada bulan 287. dan balance bulan 133 (420-287) bulan ,kalau consistent asingkan 2213 sebulan, kita dapat simpanan 2213x133 =294,329. Mohon pencerahan. mungkin saya salah faham. terima kasih.

[@davidbenjamin9394]

Hello En Faiz, one thing i noticed about my home loan is that, not 100% of my monthly payment goes into reducing the principal amount. I pay around rm2000 monthly but only rm800 paid towards principal while the rest rm1200 goes into interest payment. Are all malaysian home loans like this or i'm the only one who took the wrong loan? Huhu. I read somewhere that the principal contribution will increase gradually but i don't know exactly how long it will take to get to 100%. Below is example of gradually increasing principal contibution. Month payment breakdown: Year 1: 30% towards principal + 70% towards interest Year 2: 40% towards principal + 60% towards interest Year 3: 50% towards principal + 50% towards interest Year 4: 60% towards principal + 40% towards interest Year 5: 70% towards principal + 30% towards interest Year 6: 80% towards principal + 20% towards interest Year 7: 90% towards principal + 10% towards interest Year 8: 100% towards principal + 0% towards interest Of course, the interest amount over the balance of the loan will continue to be applied year by year until the completion of the loan. I wonder if the online calculator has included the factor i mentioned above. Thank u.

[@AqFa98]

Yup it is included in the amortization table on the calculator

[@reddishhot6043]

yes it is the interest is calculated based on loan balance every month…let say first year loan amount 500,000 interest 4% total interest is 20,000 for the 2nd year your interest is based on balance after first year which is 480,000 roughly around 19200 as you calculated the interest amount will keep decreasing

[@davidbenjamin9394]

​@AqFa98 thank u!

[@brian5682]

Too high interest payment, by the time payment is done its almost like buying 2 houses. banks are always about making money.

[@reddishhot6043]

@@brian5682 i ask u bro if u have 500k now and in 30 years i pay u the same amount, will u agree on that? even RM 100 30 years ago is different from now…can u see the risk exposed by the bank to let u having a house? the interest rates is actually not just include the bank profit but also the inflation risk exposed by bank and can u see the benefit will u get if the value of the house appreciate or increase in 30y? the benefit will u get if u rent the house? it is actually opportunity cost for the bank…can u see it?

[@hazwanhanafi3294]

Assalamualaikum Tuan Faiz. Saya ada 1 soalan. Bolehkah saya submit housing loan untuk 1 biji rumah(rumah lelong) kepada banyak bank dalam 1 masa dengan menggunakan 1 payslip yang sama. Tujuan saya adalah untuk mendapatkan interest rate yang terendah. Contoh saya submit dekat 10 bank ini semuanya untuk 1 biji rumah sahaja dalam masa yang sama. 1. Maybank 2. CIMB Bank 3. Public Bank 4. RHB Bank 5. Hong Leong Bank 6. AmBank 7. UOB Malaysia Bank 8. Bank Rakyat 9. OCBC Bank 10. HSBC Bank Dan apakah kesannya. Dari, Insan yang ingin belajar.

[@RtripleKKhai]

Maybe cara D, saving up every month extra cash from salary eg: RM500 and paid the total of RM6000 every, so ZERO usage of EPF ( RM277,320) all yours. or Maybe cara E, pay out the principal using extra money from lets say (bonuses, extra allowances - which may get yearly). Save the EPF for the last, u might need it the most. TQ sir faiz.

[@shuuhoward2996]

Current account ada interest sikit, tu kena la kira kot 😅

[@jasonleong7]

i lebih rela letak up to 60k (bonus) dalam epf bila dah 50 , keluarkan dan settle lagi baik.

[@sofwanaliff32]

Kalo ade extra from gaji, pilih dkt tempat yg bg most return and most initial capital (kire sndr ASB vs EPF vs TH) dah cukup bru buat full settlement dgn baki akaun B/2 EPF. U will get extra from bank sbb early settlement I always used this technique utk loan kereta for HPA 5 year contract. Insyallah akan dpt balik at least deposit or more. Then u rolling balik utk next car. But ensure that value car 1st dgn 2nd same. If 1st 200k, 2nd pn 200k. 2nd car HPA pn amik 5 years. Rolling smpi abg jamil mampus. Advantage? New car, waranty available n free service

[@sofwanaliff32]

Add skit. Cri kereta yg showroom or test drive. Dpt harga rendah. Tp jgn la setahun pnye. Rugi

[@reddishhot6043]

he compare apples to apples…even if you have extra cash it is better to invest that amount of money if the return of investment > loan interest rates

[@klinikaj21]

Saya buat cara 1 alhamdulillah masa pkp hari tu rumah dah settle bayar, Ni on the way beli rumah ke 2 dah sign snp. Sye tak kisah nak keluarkan epf tu sebab: 1. EPF bukan macam bank boleh keluarkan sesuka hati, hanya indikasi tertentu je boleh. Ada orang nak keluarkan sebb sakit kanser pun sampai mati pun tak dapat, So selagi boleh keluar kelaurkan je sebb kita masih ada akaaun 1. 2. EPF ni pun kita tak tentu umur kita sampai mana, tak tentu dapat merasa ke tak. Again, untuk keluarkan bukan macam bank bolek keluarkan bila2 masa. Kalau dah mati pun waris nak dpt pun susah (delay process). Kalau sempat guna pun jangan risau account 1 masih ada. Kita nak kejar 5% berbanding settlekan rumah, kita pun tak tahu hidup sampai mana. 3. Nak buat apa2 pun terpulang. yang penting sye nak merasa nikmat dunia sebelum menutup mata - simpan duit lama2 kalau tak guna pun rugi

[@ayiel0vesue]

Setuju

[@wanaziah6544]

Zaman sekarang kna pakai tukul.rotan dh x relevant😂

[@mrcool9558]

Terima kasih memudahkan Kami buat penilaian utk 3 situasi , baru nak buat pengiraan mengenai ini☺️

[@muhdaiman4035]

Mgkin ada org prefer freedom, free from debt. Sbb bila kita berhutang dgn bank ni, basically we are on the losing side (w'pn nmpak mcm steady). Kita tak tahu future game bank ni mcm mna. Kalau setel awal, boleh je rancang perbelanjaan/ investment dkt tmpt lain. # justmy2cents

[@abusahl]

Teringin jugak dan mampu nk settle awal. Tapi syg jugak sebab ada MRTT yg cover utk saya dan isteri. In case apa2 jadi kat salah seorang rumah tu takaful cover semua

[@SinZCrosS]

kalau settle awal, nak buat apa ada mrtt lagi, mrtt tu cover kalau hutang ada lagi je.

[@abusahl]

Kalau settle awal, hutang takde, cash pun dh pakai. Kalau bayar ikut jadual, kalau jadi apa2, MRTT cover baki hutang, cash masih ada.

[@fadlilutfika3240]

loan rumah satu ke dua nama bro? kalau dua nama loan salah sorg meninggal, takaful settle bahagian org yg meninggal saja..lg 50% still kena continue bayar...xambk kira lagi urusan faraid utk rumah tu...byk cite bro

[@abusahl]

@@fadlilutfika3240 Dua nama tuan. Kami ambik takaful 100% utk kedua2 jadi akan cover 100% kalau berlaku sesuatu atas saya atau isteri. Ttg faraid tu, da beza ke pembahagian faraid rumah kalau yg dah settle sendiri berbanding yg takaful settlekan?

[@athleticos99]

1 kelebihan u tak nampak. Bila cepat settle. Tekanan darah kurang sikit. Sebab bila komitmen kurang...boleh travel...relax...tapi bila EPF banyak. Ya 55 bersara senang tapi pikir 35 tahun lagi nak bayar penat le

[@adikchannel9801]

Dah kalau macam tu gunala.duit epf full settlement pada umur 60 kenapa nak tunggu lagi 35 tahun?

[@FinancialFaiz]

Saya dah ajar tapi ini memang salah saya. Bukan salah murid yang lemah Cara B boleh settle hutang rumah tu pada masa yang sama dengan cara A iaitu pada bulan 287, malah dapat baki duit lagi sebanyak RM40k Cara C boleh settle lagi awal pada bulan 274, awal 13 bulan dari cara A So maknanya cara A ni cara paling teruk berbanding dengan cara B dan C. Tunggu 35 tahun apekebenda? 287 bulan bukan 35 tahun. 287 bulan bahagi 12 adalah 23 tahun 11 bulan. Mana awak dapat "kena tunggu 35 tahun..." ni? Saya yang tak nampak ke awak yang buta membaca? Dah tulis terang² pun masih tak faham? Sukati je kata orang tak nampak walhal dia yang buta kewangan. Nak saya tulis pakai crayon ke baru faham? Sorry la saya cakap kasar sedikit tapi you dont deserve any respect the way you commented

[@martinliong9508]

Change your mindset / have constant blood pressure hike. You might want to think this way: being responsible to your own retirement, you need a little sum of savings each month which is the concept of EPF doing right now, and this is to ensure you can continue living at retirement ages without adding burden to the society, new gen and others.

[@athleticos99]

firsly i apologize if i refer u to mean u, i refer to people in general, actually i misterprete a few issue here due to my mental state in nature. i think i agree not to use EPF to settle the loan but is good to use excess money to settle the house loan instead otherwise people may fall trap in today's society temptation, from being scammed, loan by fren and never pay back, over buying, gambling and make wrong investment move but yr video is generally a comparison based on datas which is pretty accurate but human are controlled by their emotions too much sometimes unless people can stay very rational all the time. that is all i wanna say, @@FinancialFaiz

[@pomentx1]

sy x kluar kwsp sb ansuran bank cuma rm250 sedangkan sy sewakan rm650.....syukur rumah lokasi strategik,x pernah kosong.ms cuci rumah nk bg penyewa baru masuk,pun dtg 2,3 org tanya umah nk sewa ke

[@haniedew]

thank you sgt utk video comparison macam ni. Saya suka. nampak lebih jelas untuk pertimbangan buat keputusan. Tapi interest rate housing loan saya lebih dr 5% 😅😢

[@nizam_mahat]

Salams En Faiz, saya telah dapat banyak manfaat dari penerangan awak tentang konsep kewangan. Walaupun saya dari tempat lain dan certain terms di tempat saya agak berbeza sedikit, ilmu tentang fundamental kewangan yang awak selalu share sangat berharga. Terima kasih, tuan.

[@HK-gc7xz]

Tempat mana tuan? Mungkin FF boleh study dan bagi nasihat jugak

[@KC_88631]

Eh jap, Cara B bleh ke keluarkan smua duit EPF utk settlekan balance hutang rumah? Bkn ke kita hanya bleh usik wang dlm EPF account 2 utk settlekan hutang rumah? Kalau yes kita hanya bleh keluar duit dari account 2 then calculation utk cara B dlm video dh x valid lah kan?

[@nikawiss9094]

Saya nk tanya kenapa kosong ye EPF balance @ 287th month untuk cara A sedangkan orng yg dh setel awal byar loan rumah tu still lagi menyimpan dalam EPF dan tak kluarkan duit tu sampai ke 287th month?

[@cececonnie5509]

Selalu org persoalkan laguni; buat apa beli rumah cash, duit cash tu kan boleh dapat interest yg banyak… mmm ada org memang takmau berhutang langsung macam suami sy, beli tanpa hutang hidup tenang, masa jatuh sakit beberapa bulan pun dia takde risau nak kena bayar sebarang loan. Ini untuk org income besar lah (contoh bisnesman, pilot etc), income besar boleh saving besar, lepas 2-3 tahun beli rumah tanpa hutang. Tapi bukan rumah yg harga berjuta dan kena berhutang

[@FinancialFaiz]

Great

[@mofarby]

Ilmu berguna dan percuma dari Tuan FF. Keep it up!

[@mahadhirisabinabdullah]

The Hammer 🔨 cracks me up😂

[@meazimroon4623]

Jika saya nak habiskan bayaran rumah pertama dengan akaun 2. Dengan niat boleh apply loan rumah yang baru untuk rumah ke3. Rumah ke-2 adalah rumah investement. Rumah ke-3 pun untuk investment. Apa pendapat tuan.

[@dendenju]

good

[@SITI-gr8uw]

Salam Tuan. mcm mn nak setel hutang rumah vr rate dgn lebih cepat. Selalu org buat tentang semi flexible atau flexible

[@Raskalisme]

Tapi macam tuan ada terlepas satu lagi point,tempoh pencen adalah usia 60 tahun,saya generalize saja staff tu awam,swasta mahupun glc.katakan sy berjaya buat loan rumah usia 30 tahun,loan max 35 tahun by right habis ketika umur 65 tahun.jadi kalau dapat cut 13 tahun awal,maka menjadikan umur saya 52 tahun dah selesai hutang.52 masih bekerja,tiada isu kerana KWSP akan dicarum kembali oleh kita dan company secara bulanan dari 52 tahun hingga 60 tahun.kalau setahun 6000,jadi 6k x 8 membawa pulangan 48k dan lebih banyak dari cara B.

[@nizamsaidin3095]

Saya ada terfikir hal ni.tq tuan kerana suarakan hal ni.admin terlupa yg ansuran bulanan yg kita dh cut short tu masuk dlm poket kita

[@mohdhazwan9917]

Sya xbrape fhm..hahahaha..cari b tuh byr sendiri ke??xguna epf??

[@thinagaransiva7400]

Satu clip yang padu. Suka sangat dengan cara penyampaian. Cuma saya nak tambah 1 benda saja. Interest sekarang adalah interest harian which means lagi bagus kalau biar dalam KWSP je.

[@ishariza]

kalau loan rumah sampai umur 75tahun, bersara umur 55, seeloknya buat settlement masa umur 55 atau bayar sampai habis tempoh? Mohon nasihat.. tq

[@wtwang5506]

Boleh compare lamsam payoff vs using epf monthly installment

[@alariel85]

Editing semakin best, seronok tengok graphics video ni

[@isasahamin8743]

Untuk individu yang berkerja tanpa ada penolakan Epf, ada tak cara relevan yg lain untuk settle kan Home financial lebih awal? Mohon pencerahan abg faiz 🙏

[@HK-gc7xz]

Kumpul duit berjumlah 4 bulan commitMent rumah pergi ke bank dan bayar di kaunter

[@FakhrulAnwarOsman]

Kaedah B jugak yang best. Sebab bila calculate pada 287th month untuk kaedah C. Total baki dalam EPF cuma ada RM7541 je. Beza banyak dengan Kaedah B ada RM39.7k

[@jeruklaici5040]

Math spm fail ke

[@dayangnurdayanaaghussin6452]

Saya nak tnya semua duit gaji kita masa tolak epf memang masuk account kedua sahaja ke? Dan 1 soalan lagi utk bayar rumah kita hanya boleh bawa keluar account 2 sahaja ke?

[@HahaTvProduction]

Mcmmna dengan cara FIS tuan Faiz, Katanya boleh habis awal bayar hutang rumah.

[@TulunTokou]

pendek kata, kalau mampu beli rumah, teruskan. tak mampu, jgn paksa. menyewa rumah alternatif kedua.

[@mrri8166]

257k 288 bulan zero interest boleh guna cara ni ?

[@abdulrahimabdulmanan2573]

Wow....takut tengok hammer tuh

[@mrri8166]

Minit 8:00 tu saya rasa kene buang extra payment rm500 kepada rm0 kan, sbb 500 sebulan nak simpan dalam kwsp kan kan.

[@kakchiksarimah7395]

Ye betul.. xleh guna amt baki yg sama kan..

[@shahrulniza1743]

yg encik faiz terang kan tu epf 500 stiap kali gaji kan majikan masukan betul kan?

[@hanimahfidzbinazlan9385]

This video really opened my eyes. Thanks for the sharing Tuan Faiz

[@argentumschneider6787]

kepada yg nak guna epf method A tu , just be reminded yg boleh keluar tu akaun 2 kwsp shj. for few months maybe boleh tp long term until habis not exactly easy. eventually acc 2 will deplete and to continue, if you plan to rely on the monthly that comes from salary deduction, rm500 per month will mean that 30% of the contribution to acc2 should be 500 which means total monthly contribution employee+employer should be around 1667 per month Thus let's say both you and your employer contribute to minimum contribution (11%+12%), your salary should be around 7300 for you to pay 500 monthly from your acc2 now my point is, people with 7k++ salary will highly likely have issue with paying 500 per month for mortgage (which is lesser than 10% of your salary). option B or C is better imho

[@FinancialFaiz]

Betul. The reverse calculation is spot on

[@syafiqdahari3625]

From the beginning I love the idea and the presentation..ilmu yg bermanfaat

[@sifuhoye9430]

Saya ada buat cara mcmni pengeluaran akaun 2 .....Dan menguntungkan Dari biarkan byr mengikut jadual....bank ...walaupun EPF kurang .dgn full settlement...tapi Saya akan dpt kembali dlm Masa 5 tahun epf Saya melebihi Rm100k ....dn Rumah ni pun Saya mendapat income bulan ...kerana menyewa kepada org ....bagi Saya 😂untunglah Rumah harga semakin naik ...😊

[@FinancialFaiz]

Dah buat kira² depan mata pun masih tak faham. Saya rasa sedih atas kegagalan saya

[@blazkify]

@@FinancialFaiz rase dah habis simple dah explanation tu. mungkin dia takut tgk sbb tukul tu😅

[@hYpeRteCh89]

hahahaa.. tak paham lagi tu

[@sofwanaliff32]

⁠@@FinancialFaizmybe hidayah tak sampai lg.xpe bang sy paham, dia yg x phm

[@mardianamansor2454]

Sebab perasaan selesai hutang melebihi segala-galanya

[@nurlianaaziz2827]

terbaik abah sangat bertenaga dan bersemangat....nak tanya pendapat mohon sudilah jawab.. Jika seseorang yang bergaji 7k, dia memilih untuk terus menyewa dengan sewaan 500sebulan dan simpan je duit dalam 3k sebulan tanpa berhajat untuk beli apa2 aset. adakah ia suatu keputusan yang baik untuk masa depannya?...Dia berhasrat nak kumpul duit sejuta dulu baru nak beli rumah atau kereta.

[@abunaim4058]

Inflation rm1juta now xkan sama dgn 1juta in the future. Asset seperti hartanah adalah benda yg kalis inflasi sbb harganya akan naik.

[@abunaim4058]

Inflation rm1juta now xkan sama dgn 1juta in the future. Asset seperti hartanah adalah benda yg kalis inflasi sbb harganya akan naik.

[@muhammadluqmanabdraof4436]

Term simpan tu maksudnye simpan dalam bank ke ataupun simpan dalam asb/EPF. Because seperti sahabat @abunaim4058 sebut, 1 juta today tak sama dengan 1 juta in the future because of inflation. So my humble opinion is , jika tknak pening kepala manage the savings. boleh pilih low risk investment that pulangan die above inflation rate such as asb and epf. Physical gold pon boleh, tpi dengan syarat beli gold bar bukan emas perhiasan( emas perhiasan ade kos upah tinggi)

[@kamalzaki7968]

Gaji 7k sebulan, siapa je nk sewa rumah harga 500? Dalam kl bole dapat ke rumah sewa 500? Walking up flet tingkat paling tinggi pun sewa dah lebih 500. Logik akal kamu dimana ya

[@-charlene-7856]

Mungkin dia org smnanjung tinggal/kerja d pedalaman borneo...masyuuuk tp rumah usang je yg available utk sewa

[@Kuliahtube]

Berikut ini antara firman Allah bagi orang yang terlibat dengan riba. 1. Allah akan bangkitkan mereka pada hari Akhirat seperti orang gila dirasuk oleh syaitan - [Al-Baqarah: 275]. 2. Allah dan Rasul SAW mengisytiharkan perang terhadap orang yang terlibat dengan riba (Imam Malik mengatakan; “Aku semak seluruh Al-Quran, tidak ada dosa yang Allah dan Rasul SAW isytiharkan perang kecuali terhadap pemakan riba) - [Al-Baqarah: 279]. 3. Termasuk di kalangan orang yang zalim - [Al-Baqarah: 279]. 4. Allah akan memusnahkan orang yang terlibat dengan riba - [Al-Baqarah: 276]

[@FinancialFaiz]

Betul tu. Sebab tu lah kena ambil Islamic Financing. Jangan jadi jahil kewangan dan fiqh muamalat tapi tuduk fitnah Islamic Financing tu terlibat dengan riba sudah hahaha

[@ronnieyong]

my opinion is kalau EPF dividend % is higher than the loan %, then it works. Sebab duit dalam EPF dividend will compound more to cover the loan interest. ....lagi tinggi EPF dividend like bigger the gap difference.

[@amirulsalehuddin8419]

That'll exactly what he said.. sama mcm asb financing.. it wont give u a good return if ur interest rate on asb financing is higher than ur asb dividend rate.

[@yazidsalehuddin7633]

Is it true we can use epf2 acc just to pay principal? What I know even you pay extra as per Financial calculator (regardless from ur EPF2 or own money) that is not go to 100% principal. That is why there are services out there like FIS to help us in calculating exact amount to be paid not just just dump extra money to the bank and hoping it will reduce the principal

[@FinancialFaiz]

Stop promoting your product here mate. Jangan desperate sangat 😅👍

[@fadzlifc8888]

Terima kasih en.faiz...mantap dan jelas penerangan

[@henrikgustav2294]

Jgn lupa withdraw epf wajib bayar zakat

[@azamisha2332]

Situasi saya loan interest lbh tinggi dr 5%. Hahahaha

[@kubeyran]

Hai bro, need your opinion on housing loan. Is it advisable to pay more during the progressive interest for a house under construction? I hear some say that it’s not worth to pay extra during progressive interest but I’m not sure why. Scenario :- House worth RM500k.. Phase 2 (RM50k is the current loan outstanding and progressive interest would be around RM130 (Interest Rate = 3.95%).. Full Flexi Loan (Maybank).. Could you please share your thoughts regarding extra payments during this stage? Thanks.

[@mojamalkia5481]

Hi, during prog period, monthly payment kita fully goes to bank interest sahaja. Principle amount langsung tak sentuh. Principle amount kickstart when fully disbursed he loan. Kalau you nak bayar juga principle amount, you kena pi buat surat hantar kat bank you apply loan.

[@Dazai_s]

Thanks for sharing@@mojamalkia5481​. so better simpan extra money at other places and let it compounding right?

[@mohamadsyarizal7812]

Sy buat rumah mesra rakyat so keluarkan epf bayar langsam settle masalah

[@ChairmanMeow086]

But we all know EPF secara historically 5.3- 5.7 % so actualy lebih lumayan lagi biar EPF kita grow dari keluarkan

[@FinancialFaiz]

True. As per discussed in the video

[@AimanHaiqal-cu7zg]

Assalamualaikum, nak tanya setting dekat compound interest tu guna Daily ke Annually? Sebab bila saya set Annually, value dia lebih rendah dari Daily. Mohon pencerahan. Thanks!

[@FinancialFaiz]

Untuk bank loan daily Untuk EPF daily Untuk ASB monthly

[@HudaLlilmuttaqin-v6i]

Yo Faiz… awat pegang tukui? Baik2 ahh…