Bayar rumah stail CINA? [Kewangan] Habis bayar hutang rumah cepat!
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2 жыл бұрынOkay guys hari ini I nak buat reaction videolah I tak selalu buat benda ini the last time was I buat was macam mamak jual emas itu. Ramai orang sebut-sebut nama I dekat TikTok untuk I confirmkan allegations seseorang ini tentang pembayaran balik hutang rumah dengan cepat. Now dia orang nak tanya, betul ke ini?
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⚠️ Disclaimer: I am NOT a financial advisor nor a "guru". Investments must be made within your capabilities and at your own risks. All content provided is for informational purposes only and I make no representation to its accuracy nor completeness. I am not liable for any errors, omission, or availability of any information. My views are my own. I am not responsible for any comments or content posted on this channel. By commenting, you are solely responsible for your own views. I am not liable for any damages nor harm resulting from any content or interactions on this channel
01:16 Viral on Facebook
02:01 Interest vs. Return
02:46 Fixed deposit
03:41 Orang bertanya
04:23 Calculation
05:19 Mr. A (principal payment)
06:21 Mr. B (invest in ASB)
08:08 ASB return vs. mortgage rate
09:10 Mr. B (continued)
10:08 Mr. A vs. Mr. B
11:37 Bloopers
#financialfaiz #kewangan #bayarhutang
Bayar rumah stail CINA? [Kewangan] Habis bayar hutang rumah cepat!
@FinancialFaiz 2 жыл бұрын
Boleh check Telegram channel FINANCIAL FAIZ untuk dapatkan banyak lagi info dan sharing kewangan. Ada benda yang khas dikongsikan di sana: telegram.me/FinancialFaiz telegram.me/FinancialFaiz telegram.me/FinancialFaiz
@jimtamim1708 2 жыл бұрын
Bang nk tnye, patut saya letak duit dalam Tabung Haji vs ASB atau split half2 untuk dua2. Kaedah mana lagi untung?
@akufarishah 2 жыл бұрын
@@jimtamim1708 tumpang nk tau jgk jwpn ni..
@ilmuhaq 2 жыл бұрын
@@jimtamim1708 letak di Tabung haji fikiran tenang zakat sudah di urus oleh Tabung haji.
@cristvroza7794 2 жыл бұрын
Thank u tuan. Nak tanya lagi kalau loan kereta boleh guna kaedah ni jugak ke?
@esefegus63 2 жыл бұрын
Encik faiz..kalau buat settlement hundred k keatas dekat bank...LHDN x kacau ke..sekadar tanya
@mohdefendymdpadzil713 2 жыл бұрын
Good info la saudara Faiz. Saya punya takut keluarga takde tempat tinggal, rasa beratnya tanggungjawab pada keluarga, lepas nikah tahun 2005 terus beli rumah sederhana. Selepas 10 tahun (2015) saya settlekan, itu pun lepas dapat info dari office mate yang yang non bumi macam mana dia reduce kan prinsipal hutang rumah. Masa tu, belum ada ilmu lagi pasal ASB financing ni. Sekarang dah hampir tujuh tahun tak bayar rumah. Lepas settle je hutang rumah, tolong isteri pulak settle kan hutang besar dia. Masa pkp mula2 dulu, terus settle semua hutang2 kami. Kami bukan orang kaya, tapi kami pilih kehidupan sederhana dan tahan diri dari membeli perkara2 yang membebankan. Nothing to show, nothing to shout...kereta lama, rumah cukup2 untuk kami anak beranak berempat. Sekarang nak kata otak tak sakit, tak jugak...hidup ni ada je cabaran dia tapi sekurang kurangnya tak terbeban dengan hutang. Saya cuma berdoa Allah permudahkan urusan kami sekeluarga dan juga keluarga2.
@_Salleh 2 жыл бұрын
Terbaik .
@happysnu3866 2 жыл бұрын
anda org hebat respek
@cristvroza7794 2 жыл бұрын
Terbaik tuan
@MSCuteGarden1 2 жыл бұрын
Selamat berjaya
@yenchu1237 2 жыл бұрын
Syabas! Ramai kawan Melayu saya abaikan pengetahuan ini bila saya cuba terangkan kepada mereka. Dari kecil, saya sudah diajar mengumpul wang jika ingin membeli sesuatu dan bayar tunai (kecuali rumah sebab naya nanti bila LHDN ajak minum kopi).
@seankwong2686 2 жыл бұрын
Faiz is a selfless person, be grateful. The haters in TikTok are entitled to his/her opinion but nevertheless, shallow. Hey Faiz at the rate you are going, Adsense will soon be your best friend. Thanks again.
@FinancialFaiz 2 жыл бұрын
Thank you Sean! Appreciate the vote of confidence
@mfaizalrafie1129 Жыл бұрын
Ilmu sebegini lah patut dipelajari mana2 aliran semasa tingkatan 4/5. Kena bagi mata kredit,,,kena pass...masuk institusi awam atau swasta..kena ada juga..refresh...bila dah masuk alam kerja..pandai semua belanja...Kalau dah 5 ke 10 tahun buat begini.. negara akan cepat maju..Rasuah pun include sekali..belajar sekali di sekolah..
@ahmadasyraf5178 2 жыл бұрын
Saya suka bila tuan faiz kata, "Kalau nak belajar, kena belajar menyeluruh". Thanks for the knowledge tuan!
@hafidzselamat4535 2 жыл бұрын
Bila saya tengok video-video tuan Faiz, saya rasa ilmu financial saya sedikit sebanyak makin awesome. Moga tuan Faiz dimurahkan rezeki, dipanjangkan umur dan diberikan jalan kemudahan dunia akhirat atas perkongsian ilmu yang bermanfaat ini :D
@mukmin01 2 жыл бұрын
Kan? Siapa2 yang tengok channel bro faiz ni komfem takkan buat loan2 bodoh dan takkan bankrup. Boleh consider support channel bro faiz ni dengan join channel ni
@mahfuzahabdrazak 2 жыл бұрын
Samalah kita..banyak membantu
@FinancialFaiz 2 жыл бұрын
Terima kasih keatas doa. Alhamdulillah ilmu yang saya share ini berguna
@muhamadamirul2926 2 жыл бұрын
@@FinancialFaiz asb yg tuan sebut dlm video ni simpanan asb rm500 biasa atau under asbf ?
@ChentaManis 2 жыл бұрын
@@muhamadamirul2926 ASB biasa.. dia x sebut langsung asbf. 😆✌(sori tuan Faiz, soalan mudah ni saya tlg jawabkan)
@danial888cash6 Жыл бұрын
Sya orng cina, apa yg tuan ajarkan itu betul, kalau kita beli rumah ikat loan smpai 35 tahun, memang interest dia akan jadi gila tinggi, contoh rumah harga 500k, campur interest total jadi 900 k, memang gila, dan ramai orng cina selalu beli rumah letak down payment tinggi macam 40 peratus, dan ikat paling lama pon 15 tahun, sya selalu buat DP 60 peratus, dan ikat bawah 10 tahun, just run untuk Airbnb
@meenamy437 Жыл бұрын
Thanks
@hidayuruzuki899 Жыл бұрын
Hello Danial, curious, berapa lame simpan utk deposit 1 buah rumah?
@danial888cash6 Жыл бұрын
@@hidayuruzuki899 bergantung kepada income puan, sebab sya buat business, kalau income tinggi macamna pon, tapi x jaga cash flow pon masalah juga
@hidayuruzuki899 Жыл бұрын
@@danial888cash6 Thank you..
@hanifrabbani7487 Жыл бұрын
letak DP tinggi. kalau kita bayar lebih stiap bulan pon boleh cut tahun loan..
@FreemanAndRonin 2 жыл бұрын
Latih diri menyimpan atau menabung, Simpan sebahagian baru membeli, biasanya orang yang susah menyimpan, bila beli rumah, komitmen bayaran x konsisten.
@jeruklaici5040 5 ай бұрын
Saving is a loser..we need to invest
@ulau88 Жыл бұрын
Okey, terima kasih Tuan Faiz... Hutang kereta saya ada lagi 3 tahun ni... Sebulan sepatutnya saya bayar rm784, tapi saya bayar rm1k... Selepas saya tengok video tuan Faiz ni, saya akan bayar rm784 gak sebulan, tapi rm216 saya akan buat auto labur ke ASB...
@nekonapper Жыл бұрын
bijak
@FadhillIjin Жыл бұрын
Hutang rmh dgn krta tak sama. Tak prrlu bayar hutang krta cepat2 sbb bunga tak berubah wlaupun dibayar awal.
@mohdzaidi1631 Жыл бұрын
Bayar hutang dgn simpanan... Hutang kena settle dulu... Bank tak bodah , hari2 berniaga duit pegang pen duduk dlm aircond n pakai minyak wangi ... Kita simpan dia bagi ciput jerr... Tak untung bank tak buka mcm cendawan selepas hujan... Ada duit lebih creat perniagaan sendiri lagi untung...bank suruh hutang lama2 lagi untung. lagi lama kena bayar bulanan murah tapi kira balik tgk... Si A tak bodoh laa...
@liyaaghazalibudgetingandjourna 2 жыл бұрын
terima kasih en faiz..bnyk video video en faiz mengubah cara hidup menyimpan sy..semoga allah memberkati dan mempermudahkan urusan en faiz
@ariffkome 2 жыл бұрын
Terbaik!! Ilmu yang bermanfaat membawa kepada pahala yang berpanjangan. Semoga abang faiz kita terus sihat dan dibukakan lagi pintu rezeki untuk terus kongsi ilmu2 kewangan.. aminn
@hyzerah 2 жыл бұрын
Terbaik bang. TQ very much tak sia2 subscribed banyak info. Terbaca jugak tweet ni ingatkan diorg dah cukup lawa dah, sekali kita lagi lawa daaa.
@danielloh9864 Жыл бұрын
Thank you Mr Faiz for this informative sharing. This is why I bayar my home loan x2 of monthly instalment. Sign loan 35 tahun but I think i boleh habiskan 100% loan dalam 15 tahun.
@mohdzaidi1631 Жыл бұрын
U betul... % percent dah kaji betul2. Otak dia d cuci oleh bank. byk yg tersembunyi tak nampak Baki pokok x persen x 30hari/365 = jumlah monthly yg d tolak dari bank @ rm78804 x 4.8% x 30/365 = rm321 Baki pokok akan kurang jika bayar dlm loan acc... Dia ingat si A tak berapa cerdik... Simpan ASB berapa sgt dpt...!!! Ingat bank bodoh ker???...
@michellelee8958 2 жыл бұрын
Thank you for sharing your knowledge Mr Faiz 🙏 God bless you always !
@msdl322 2 жыл бұрын
Tahniah sebab menjadi tetamu jemputan Selamat Pagi Malaysia...semoga Tuan terus memberikan video2 yang bermanfaat kepada rakyat Malaysia 👍
@abnerrobrethrobertmoe2327 2 жыл бұрын
Terbaik sifu Faiz !!! Ilmu kewangan yg perlu orang2 muda khususnya belajar 😍😍
@shinnister 2 жыл бұрын
syok teruk episode kali ni, mcm nk panjang lagi je. penerangan yg baik. sy follow abg dari abg mula2 lagi, mmg tahu dah abg meletop punya
@cikgubob2025 2 жыл бұрын
Makin lama makin menarik content tuan Faiz. Wish I knew about you when i was in my 20s. Anyway, keep on giving good inputs to youngsters.
@AmriRosdi 2 жыл бұрын
Terbaiklah, Tuan Faiz! Saya dah lama tengok recommendation KZfaq dan TikTok, tapi hari ni baru berkesempatan tonton penuh video Tuan Faiz. Alhamdulillah, penyampaian yang amat bertenaga membuatkan saya terpaku di meja bilik guru sekolah ni. In sya Allah, ilmu yang dikongsikan oleh Tuan Faiz akan digunakan dalam kelas Matematik saya nanti. Terima kasih, Tuan Faiz. Mohon halalkan ilmu, ya. 😊
@FinancialFaiz 2 жыл бұрын
Alhamdulillah. Terima kasih Cikgu Amri!
@yakobubaid Жыл бұрын
Terima kasih banyak kerana wrapping up hal settling housing loan ni. Kita semua me cari cari solution untuk early settlement. Jomm pejuang rezeki!!!
@mohdfaizalramlan7531 Жыл бұрын
Terbaik la ilmu2 Sir Faiz ni.. Baru beberapa hari jumpa channel ni, mcm2 ilmu dh dapat..
@mukmin01 2 жыл бұрын
Macam biasa, terbaik. Siapa ada ilmu financial and rajin buat kira2 kat excel sheet mungkin dah nampak benda ni dari dulu, tapi rasanya melayu sekarang ramai tak ambil kisah. Harap2 dengan kewujudan channel ni ramai muda mudi melayu terutamanya akan minat dengan ilmu financial.
@anaqifirash4819 2 жыл бұрын
Muda mudi mmg dorg xambil kisah.. Sbb org muda nk fikir ape.. Kje - beli kereta - settle.. Tu kire pencapaian terbaik la bg dorg.. Msuk umur 25/26 majoriti dh fikir psl kewangan sbb dh mula nk rmhtgga, nk beli rumah dan komitmen family.. Kat situ dorg akn mula la ambil thu.. Dlm hal ni kne guide family jgk.. Klu muda2 dh loan itu ini..
@AsHx47 2 жыл бұрын
Masalah kaum bumiputera ni usually abaikan benefit asb. Nak simpan dlm asb bagaikan memikul sang biawak. Dah nasihat ramai kawan ttg benefit asb tapi cuma 2-3 orang yg mampu terima, yang lain mostly simpan dalam bank atau invest cryto currency atau habiskan dengan telefon baru or belanja sakan. Dividend tahunan boleh digunakan utk byr installment kereta at least 2-5 bulan or mcm dalam video ni simpan ja dlm asb biar beranak pinak.
@adibazrian6924 2 жыл бұрын
Trbaik tuan . Sentiasa support. Thanks all ilmu u share ..
@ahmadsr4863 2 жыл бұрын
Thanks bro keep the well-explained videos coming! Mantap!!
@MrNickcasper 2 жыл бұрын
Terima kasih tuan faiz! sangat bermanfaat dan open mind!
@kangrazzi116 Жыл бұрын
Saya suka cara Faiz. Tepat, fakta bukan motivasi-motivasi atau penglipurlara. Tak masuk hal2 politik buat tuduhan melulu seperti Anwar tak ambil gaji hanya drama. Mari semua follow setiap video Faiz untuk berilmu dapat fakta. Jauhi kononnya pakar kewangan tapi berhati tisu, kalau dikomen terus hantar notis saman... Memang wajib dikutuk pun sebab hanya penglipurlara dan motivasi-motoivasi.
@shahrulnizammat4591 Жыл бұрын
Good sharing En Faiz👍🏻👍🏻👍🏻 saya begitu teruja dengan kehebatan skil pengurusan kewangan En Faiz. Keep up the great work En Faiz.
@muhamadismazariffcheismail6638 2 жыл бұрын
Terima kasih tuan.. Terbaikkkk.. Alhamdulilah.. Dpt ilmu baru pagi ni..
@shinsoorim2614 2 жыл бұрын
Terima kasih Tuan atas pkongsian, ilmu baru untuk saya.. Tuan adalah cikgu financial online saya ☺️Semoga kita semua dimurahkan rezeki 🙏🏻
@mukminbasir96 2 жыл бұрын
Apa² cara sekalipun, sila buat kira-kira. Best video ni!
@nurizaty138 Жыл бұрын
Syukur jumpa channel psal kewangan ni.. N yes sy dh bukak akaun asb utk apply this method for my loan..tq sir such good explanation💐💐🌹
@MsE30evo Жыл бұрын
To add, we have to be disciplined not to take out those ASB dividend to spend on something else for base to grow & take advantage of compounding interest.
@ErolYNWA 2 жыл бұрын
Terima kasih bang Faiz, very eye opener..will consider this once sy dah start mula bayar mortgage nanti
@nekonara 2 жыл бұрын
same. since now belum start bayar rumah (just progressive), dah boleh try "bayar rumah" into asb
@cmfad7427 2 жыл бұрын
apalagi RM500 setiap bln dlm ASB selama 25 thn
@haffzannaz5911 2 жыл бұрын
Alhamdulillah. Untungnya ada asb. Dan y penting juga saya x skip iklan ☺️
@vanhelsing8325 2 жыл бұрын
Alhamdulilah, terima kasih tuan faiz share ilmu.
@KT.81 2 жыл бұрын
Hullo Mr. Faiz I've nothing much to say. Thanks so much for sharing this. Because of your awesomeeeeenesss we'll become awesomeeee too ☺️. It's a journey to financial freedom...yeahh💪👍
@rickquek2751 2 жыл бұрын
The best, you can go for both way so you can be debt free as early as you can and you will have a worry free future by then. That is why non Muslims always work ultra hard as we understand the differences in between. But, we face it and brace it. Well, that's life. Positivity is all we need!
@mari_alam 2 жыл бұрын
Do you mean settle the principles for continuous advanced payments together with ASB monthly financing options for the bumis to get higher profitable returns then? But bumis couldn't have earned much more to invest in ASB accounts as well as you because of lower monthly income so that they just consist the following orders only not to burden themselves for the future.
@rickquek2751 2 жыл бұрын
@@mari_alam to be honest, I strongly believe they're earning better nowadays as they've been hardworking in the corporate world. For a regular staff with net income around 2k, non taxable, he can apply for Rumahwip, or rumah selangorku, or even PKNS housing plan. These may costs around 100k or below, monthly installment around 600 perhaps? Then given if he can put another RM 200 (given same ratio as the video speaks) into ASB, I think it's achievable. Hence, if he can add another RM 100 into his laon principal, his loan interest will be lower in no time. At the same time, he still can enjoy interest gain from ASB, wonderful isn't it? correct me if I'm wrong, as we're talking in mathematical way here. Cheers.
@irman3105 2 жыл бұрын
The better is settle loan as fast as poasible, why, because you dont know when your life will end, nowadays loan interest is more worst than dividens of asb
@jafniazmi 2 жыл бұрын
Tak semua bumis gaji tinggi macam kaum cina.
@yenchu1237 2 жыл бұрын
@@jafniazmi Ini bukan setakat soal gaji tetapi pilihan gaya hidup. Sekarang jarang ada keluarga kaum Cina yang ada lebih daripada 3 anak. Mengapa?
@hananazirahnazirah9950 2 жыл бұрын
video ni sangat bermanfaat untuk sy. terima kasih Tuan Faiz Semoga sentiasa d berikan kesihatan yg baik agar dapat kongsi lagi video2 yg mmbawa manfaat untuk rakyat malaysia
@jabaidris189 Жыл бұрын
Alhamdulillah..tgk video ni, bru nk hire agent utk bantu setelkan morgage..terbaik tn faiz
@sallymok2387 2 жыл бұрын
Your videos are very educational. Can you share what insurance is important to purchase and what kind of coverage we should look for?
@rachh751 Жыл бұрын
I am an authorised financial planner with Hong Leong Assurance and we have an investment linked-plans with a 6-8% p.a with 20% guaranteed returns for the next 20 years and also protection coverage included. It is much better than fixed deposit. DM me if you wanna know more :)
@etonnana1494 Жыл бұрын
Alhamdulillah lepas kawen dengan suami saya terus ajar dia cara simpan kat ASB. Dia tak pernah ada simpanan sebelum ni. Mula dari simpan tu untuk dia menyimpan lebih banyak terus berkobar kobar. Semoga terus melimpah ruah rezeki kami. Aamiin.
@dwoodglobal945 Жыл бұрын
Asb bukan untuk orang Islam saja.. Asb, amanah saham bumiputra. Untuk kaum bumiputra tak kira agama.
@melzer1377 Жыл бұрын
Saya non muslim pakai ASB jg. Namanya pun untuk BUMIPUTRA.
@etonnana1494 Жыл бұрын
@@melzer1377 betul2. Saya pun baru tahu lepas buat suami punya. Bukan untuk orang Islam je. Rupanya untuk bumiputra. Cuma suami ja yang tak tahu buat sebelum ni. Hihi
@etonnana1494 Жыл бұрын
@@dwoodglobal945 terima kasih betulkan.
@ayen7060 2 жыл бұрын
Terima kasih financial faiz kerana share ilmu dan membuka hati saya dlm menguruskan wang dengan bijak. ilmu macam Ni saya tak pernah dpt pun sblom ni
@bunge4086 Жыл бұрын
terbaik, t.kasih En. Faiz clearkan persoalan ni. boleh follow dan doakan sy konsisten. aamiin
@tubetayar 2 жыл бұрын
Setuju dengan nasihat En Faiz. Baik simpan as low risk investment kalau ada duit lebih. ASB or Tabung Haji.... Plus housing loan usually ade insurance so at least kalau jadi apa2 .... waris dapat lah duit investment tu and hopfully insurance dah boleh cover loan tadi. Cuma pesan satu je... ASB still kena bayar zakat.
@PemadamGergasi 2 жыл бұрын
Zakat bayo saja
@ahmadzulfadli3115 2 жыл бұрын
kalau byr zakat, dr 5% - 2.5% akan dpt 2.5% shj dividen utk asb.. betul x tuan? so, kurang dr 3% interest loan bank.. adakah better invest to TH or UT or trading stock?
@PemadamGergasi 2 жыл бұрын
@@ahmadzulfadli3115 pengiraan zakat asb ni, jika duit kita simpan tu kita dah bayar zakat pendptn, perniagaan dll, zakat asb atas untungnya shj, bukan atas semua jumlah semua. Sebb dlm islam tiada zakat 2 kali atas harta yg sama
@ednatham 2 жыл бұрын
Depends.. If young takelongest tenure to serve the loan and buy few properties along the way . Investment also must have diversity into equities, insurance, and etc. If already age 45 and above.. Just settle as much aa possible since mid age career crisis may hit us anytime. For me age 52 semua properties debts free and insurance semua lah. Only medical ana PA saja annually.
@ungkumariamabdulhamid5866 2 жыл бұрын
Klau nk support jgn skip iklan
@jedlan77 2 жыл бұрын
Info yg berguna. Penerangan yg laju & padat. Kita yg menonton turut terasa mengah. Terbaik & terima kasih encik faiz
@wanrafidahwanabakar9427 Жыл бұрын
Alhamdulillah first time tgk channel ni terus minat n terus subscribed....pencerahan yg bagus...
@IsaacIshaq007 2 жыл бұрын
Thx Faiz..dari dulu memang buat mcm ni..Thanks alot for mengiyakan..May God Bless U❤
@FinancialFaiz 2 жыл бұрын
Yes, sebab you noticed kadar pinjaman/profit bank bukan tinggi mana pun untuk perumhanan kan? So its ok to pinjam lama sikit janji duit yang ada tu di laburkan dekat tempat yang lebih pulangan
@IsaacIshaq007 2 жыл бұрын
@@FinancialFaiz yeap..Betul..😉 pernah dpt cash, interest for 2% nett, I tak pernah bayar lebih utk rumah..coz I ada pilihan yg lebih bijak mcm pandangan u..nice Faiz.. most of ur content!
@muhammadsyamil1182 2 жыл бұрын
Menarik. Terima kasih mrFaiz. Tak sangka pengiraan ni lebih better dari bayar principal rumah bulan2. cuma video ni lupa include penolakan zakat 2.5% masa keluar tu. RM284,000 x 2.5% = 7,100. Total hasil RM68,000 - RM7,100 = RM60,900. Harap betul pengiraan saya ni. haha edit : ada cakap zakat ASB tu kena bayar setiap tahun based on total current ASB, kalau kena setiap tahun, maka calculation sy ni tak valid, kena calculate lain.
@SkyMina_ 2 жыл бұрын
Pengiraan ni betul dh , zakat harta hanya nilai total harta yang ada dlm tangan. Contoh , siap² buat penolakan bila beli aset (rumah , kereta). Untuk pendapatan pula , hanya kira total tahunan.
@mohdhafizabdullah181 Жыл бұрын
Terbaik penerangan tuan.. Jelas,Padat & Mudah Phm..
@luqmanjang2138 Жыл бұрын
Good explaination and sharing Tuan Faiz, ilmu yg sangat bermanfaat🎉
@helyatulmonaramlee3364 Жыл бұрын
Salam En Faiz, boleh share berkenaan pembayaran loan rumah guna flexi account? Maybe pro and cons. Ikutkan kesemua rumah sy gunakan flexi acc. Dan setiap hujung tahun saya akan buat extra advance payment around 5-10k menggunakan dividen ASB. Bermakna amount yg saya keluarkan dari ASB sy tak biarkan dia compounding. Saya terus bayar extra setiap hujung tahun.. Terima kasih dengan ilmu baru yg En Faiz share kan diatas.
@mustaffaabkadir4318 Жыл бұрын
Saya setuju dividen ASB lebih tinggi dari interest rate bank , tapi ia belum ditolak bayaran zakat sebanyak 2.5 peratus , klu mengambil kira keadaan skrg saya berpandangan klu ada duit lebih baik buat full settlement tambahan pula kita boleh cancel insurance dan tuntut MRTA , apa nasihat tuan sekiranya situasi spt ini, tq
@MrTaeyang85 Жыл бұрын
MRTA tu mcmana plak ya??
@nazirulabubakar9095 2 жыл бұрын
Terbaik information...padu la sifu.
@baba_tech 2 жыл бұрын
Mantap tuan. Banyak memberi info tentang kewangan. Terima kasih.
@muhamadamirul2926 2 жыл бұрын
Tuan, mohon pandangan...loan bank or LPPSA is better for long term klau nk beli rumah ? Harap tuan dpt jawab 😄
@lanl8599 2 жыл бұрын
Terima kasih tuan sbb bagi idea dan pencerahan tentang keewangan ini..cuma kat kat sini, jika ikut kaedah MR B tu.. setiap tahun kena bayar zakat sbb dia menyimpan... boleh x buat kiraan dgn adanya zakat skali yg wajib kena bayar tu tuk compare dgn MR A tadi.. tksh... zakat 2.5%
@muhaiminabu5321 2 жыл бұрын
Share lgi bnyk ilmu kewangan lagi Bro Faiz…memang boleh bukak mata anak-anak muda 💪
@29november1990 3 ай бұрын
Assalamualaikum tuan Financial Faiz 😊, what a superb content, great kupasan, from my humble perspective la pun huhu, keep up the great work / da'wah / awareness and spread the good word my brother 😸
@dcvirus90 2 жыл бұрын
Tq atas pencerahan tuan. Soalan tambahan, adakah ini applicable utk loan kereta?
@syedilyas4886 2 жыл бұрын
Kereta x boleh bayar pokok sperti rumah yg mr.A buat tu, tapi kalau contoh amek loan 9 tahun then pada tahun ke-6 cik nak settlekan hutang loan dia akan potong bunga 3 tahun yg blance tu.
@lordravindra 2 жыл бұрын
A very good and thought provoking information Mr.Faiz. I have invested in Public Mutual. Perhaps, I should top up regularly to achieve this target 🎯 to pay off the mortgage as well to have some money upon retirement.
@FinancialFaiz 2 жыл бұрын
Yes, that is the idea. Mortgage rates are among the lowest us commoners have access to (abotu 3%), some people even mortgage their houses to reinvest in other vehicles like other properties, UT, ASB, etc. As long as your returns are higher than your mortgage rates, you are good to go. Of couse this is not an investment advice, but I warry sikit when people ask everyone to early settle their homes, while at the same time those same people have other hutang2 that have higher interest rates anyways... It's all about the numbers. If you can do the math, then you will be alright.
@ongth601 2 жыл бұрын
Unit trust are not liable to work on your interest, regardless it's up or down you still need pay some fees.. Why not spend sometime to learn to invest directly in stock? Also the other thought is to use other ppl money to earn money...
@mashiakira7783 Жыл бұрын
Terima kasih tuan Faiz utk nasihat2 dan perkongsian ilmu financial yg tuan berikan. Semoga tuan sentiasa sihat dan dimurahkan rezeki.
@FinancialFaiz Жыл бұрын
Aamin ya Rabbal Alamin
@melbeepz 2 жыл бұрын
Tq ff- very great info. Moga diberi keberkatan hidup opeh Allah swt, aminnn
@sangkut91 2 жыл бұрын
thank you mr faiz,saya pun ada dalam dilemma ,sama ada nak settlekan hutang semua terus vs nak bayar hutang bulanan dalam masa yg sama kumpul/invest dlm asb - sebab yela duit simpanan tu bukan senang nak kumpul bulan2,tau2 lesap nak bayar semua hutang..kene kumpul balik dari awal.. kalau ikutkan compunding ni memang rasa lagi berbaloi, tapi tula selagi hutang masih ada hati tu rasa x sedap jee
@zainuddinismail2464 2 жыл бұрын
sebab kita patut ada usaha nak keluar dari riba cepat2 kan ?
@anazvictoria 2 жыл бұрын
Semenjak aku follow rajin tgk video tuan faiz ni.. baru lah diri ni matang skit nk urus kewangan.. ilmu yg sgt mahal di bagi secara percuma.. ahhh nikmat ap lg nk di dustakan.. yg bijak akn pndai rebut peluang! Tq tun faiz
@FinancialFaiz 2 жыл бұрын
You are welcome Anaz! Good luck!
@mohamadkhairil3422 Жыл бұрын
Aku suka betul tgk channel financial faiz ni. Penerangan mantap.. Terus celik mata aku
@kuanseow7407 2 жыл бұрын
2nd Option - EPF Self Contribution
@FinancialFaiz 2 жыл бұрын
YES!!! Good option! Betul222222.. just one issue, liquidity. But in terms of accessibility (hehe not limited to any groups), returns (almost always higher than ASB), stability (people keep being forced to pour money into the fund as opposed to voluntary funds like ASB)... making EPF a good option. Kudos for pointing this out
@ongth601 2 жыл бұрын
Rm60k limit yearly, if you plan early and can refinance to dump extra to unlock anytime withdrawal after in excess of rm1 million...
@ahmadzulfadli3115 2 жыл бұрын
can withdraw anytime dan tanpa syarat apa2 ker kalau simpan dlm EPF?
@limjason1261 Жыл бұрын
U r right but.. 1)not all Mr B will make full settlement when they have such a big piece of cash in hand... 2)not all Mr B will can actually put the rm500 continuously in those ASB acct... Lastly I still say that your way of calculation is right 👍👍👍
@mohdikhlasmatarriffin4951 Жыл бұрын
Terbaik ilmu ni. Penerangan semua jelas. Keep it up tuan
@muhammadmujahid9704 2 жыл бұрын
Thanks kongsi ilmu tuan👍🏻👍🏻👍🏻
@johannmichael9399 2 жыл бұрын
Sifu Faiz.. nak tanya sifu pakai apps apa yang ada calculator for this video? I think most of us would like to do our own experiment as well..
@daleenazamree2733 Жыл бұрын
If you use Iphone, app ECalculator. For Android, Financial Calculator
@mrwhyyyyy2170 2 жыл бұрын
Tuan Faiz, Currenly For indian boleh simpan dalam Dana ASM3 (AS1M), Entitlement RM30,000/Person. Boleh simpan more than 30k if ada unit available. ID around 4%-5% yearly,
@MrTaeyang85 Жыл бұрын
Not bad dividen die 🫡🫡
@adibsiake2030 2 жыл бұрын
Terima Kasih Tuan Faiz , saya yang anak muda selalu akan rujuk untuk Video Tuan untuk apa2 keputusan finance
@decentpuppet Жыл бұрын
Terbaik explanations en faiz!
@bobbybear2499 2 жыл бұрын
Sama mcm yg sya pernah komen dlm yt tuan faiz...sya beli rumah dan bg sewa dlm range 850 mcmtu kebawah...so monthly installments between 500... Untung dri sewa rumah tu sya msukkn dlm asb...mmg bnyk bg manfaat...
@ahmadzulfadli3115 2 жыл бұрын
maaf tuan sy ingin bertanya, mcm mana tuan byr zakat acc asb tuan? tq tuan
@bobbybear2499 2 жыл бұрын
Klu atas 20k bru kena bayar...kalau bwh 20k xperlu...tp xpasti jgk ttg tu...tp ttg zakat harta dan pendapatan bulanan mmg kna byar....semua pejabat zakat uruskan...berapa pendapatan saya bulan lepas sya cuma byar ikut pejabat zakat sarankan...
@abdullahazzam5173 2 жыл бұрын
betul..sbb tu kalau org ada 500k pun duit dia..jangam beli kereta tu cash..better dia beli by loan, duit lebih tu invest kan..lg untung bro
@KingAhimz 2 жыл бұрын
Alhamdulillah what's inside my head all this time is Mr B method.... Jazzakallah Khair utk ilmu ni bro. Thumbs up👍👍👍
@senimax 2 жыл бұрын
Ini rahsia ASB yg orang tak nampak
@kcyeohmy 2 жыл бұрын
No wonder more and more Malay can have big car and big house. So much difference Ada lebih lagi lepas bayar rumah langsai loan semua.
@mkgb8177 Жыл бұрын
Don't forget the 10% discount of the initial purchase price that they get even though they are in the T20 group which gives them a head start. A recent government study should that the majority of the T20 group are Malays/Bumiputera but the politicians keep repeating the lie than Non-Malays are rich and the Malays are poor !
@faiman3630 Жыл бұрын
Alhamdulillah..snang fham ..mantap..tmbh ilmu penting .. terima kasih bos..
@hswaghih5221 2 жыл бұрын
Sangat terbaik ilmu ni. Terima kasih banyak2 Tuan. Alhamdulilah.
@azizijunid2923 2 жыл бұрын
Smart …. Tak terfikir cara ni. Saya selalu edvance kan dalam RM 10 je ( golongan insan yg tak punya apa) Kalau RM 10 transfer ASB is better la maknanya kan?
@SyafiqSalim 2 жыл бұрын
Dalam tempoh mengumpul RM284K di ASB. Sebagai 1 dari majoriti audien Muslim, mohon Tuan Faiz ambil kira untuk tolak juga zakat simpanan, zakat dividen selain dari kira dividdn ASB 5% sahaja. Kena buat Excel untuk kira-kira yang jelas. By the way, dengan Extra RM500 jika buat ASB financing boleh dapat RM300K kiraan kasar instead of RM284K tapi kena commit dengan hutang ler. hahaha
@shishido1992 2 жыл бұрын
Betul, terfikir jgk bab zakat. Masuk TH dividen rendah plk
@izzattaz6290 2 жыл бұрын
X silap dlm app ASB da ada kiraan zakat
@shishido1992 2 жыл бұрын
@@izzattaz6290 mmg ada tapi kena bayar manually. Kalau TH dh tolak siap-siap part zakat
@izzattaz6290 2 жыл бұрын
@@shishido1992 ye betul tp ada kiraan so boleh la byr
@shishido1992 2 жыл бұрын
@@izzattaz6290 ya boleh. Saya rasa mksd Syafiq Salim, total dpt 284k yg FF kira tuu bukan jumlah bersih sbb tak ambil kira zakat simpanan & pelaburan
@rusydihassim4740 2 жыл бұрын
Thank you Faiz for this video. As per to date bumis only have saving in average less than RM600 per person in ASB. Far too low when not many financially literate. Keep posting good video to public.
@FinancialFaiz 2 жыл бұрын
600 oer person on average? That's abysmal. Will work harder
@danielmahathir4001 2 жыл бұрын
mantap ilmu ni. thank you abg @financialfaiz. semoga allah membalas
@bazilahismail4982 2 жыл бұрын
Thanks Tuan Faiz for the info.. Baru je start byar extra this year mcm Mr A and now definitely will follow cara Mr B
@aaronthiagarajan 2 жыл бұрын
Tanya, belajar menyeluruh & jangan ikut emosi je. Thank you.
@a.c.estudio2432 2 жыл бұрын
terima kasih tuan faiz.... that was the best strategy for us... thanks for the sharing & knowledge 👏👍👍🙏
@aleesaaysha1085 Жыл бұрын
bijak sgt,.terimakasih tuan faiz
@iqbalzulkafli1518 2 жыл бұрын
Salam tuan. Saya nak tanya sikit. Kenapa bila sy nk buat pinjaman peribadi untuk consolidate loan dgn bank katanya tak lepas. commitment tinggi. tp bila buat thru agency dgn service fees sampai 14%, bank lepas pulak. pelik betul. mohon pencerahan tuan.
@aimannasir2933 2 жыл бұрын
Terima kasih abang Faiz. Banyak belajar.. Boleh tak abang Faiz buatkan calculation return ASB vs TH dengan ambil kira pembayaran zakat? subscriber abang pun ramai muslim
@ahmadsyazzuwanradzi5710 2 жыл бұрын
Dividen 5% tu kalau kita dh kira 2.5% zakat. Dia lagi kurang dari interest mortgage 3% tu. Jadi valid ke calculation ni
@ahmadfadhilalias725 2 жыл бұрын
Sy pn fikir begitu..sbb tu sy stop asb loan & tak fokus pd asb semata2..sy pelbagaikn invest dgn emas & hartanah mengikut kadar syarat zakat..sbb kena fikir gk tolak zakat 2.5% tu berapa tinggal betul x..
@nazriisme4809 2 жыл бұрын
Tolak zakat dh jd 2.5 je asb tu, loan 3 ke 4%.... Rs baik bayar prinsipal the extra fund...
@amirulfaeis4104 2 жыл бұрын
@@ahmadfadhilalias725 asb tk okie ke bos ?
@ahmadfadhilalias725 2 жыл бұрын
@@amirulfaeis4104 nk selamat tanpa risiko asb & tabung haji la..tp zakat jgn lupa bila dh lebih kadar..cuma sy suka pelbagaikn pelaburan.,😉
@VevoString 2 жыл бұрын
Thankyou mr faiz for the knowledge. Keep on sharing 😄
@Awuffzan-Channel 2 жыл бұрын
Ohh. Fhm2. Tq bro faiz. 👍🏻👍🏻👍🏻
@abdulrashidhamdam1044 2 жыл бұрын
Mr.Faiz thank you for the detailed explanation. However the video got me thinking, if we took into account zakat payment from our ASB account. How will it affect the whole equation?
@upekchannel330 2 жыл бұрын
Does Tabung Haji is more profitable after zakat than ASB for such amount of investment?
@zaridris1986 2 жыл бұрын
I was thinking the same. Zakat ASB.
@Zaki-mh4gv 2 жыл бұрын
Kalau dividen kasar 5% tolak zakat 2.5% maka jumlah dividen bersih 2.5% dah jatuh bawah 3% (lebih rendah berbanding interest rate loan rumah). Maka tak berbaloi.
@muhammadsyamil1182 2 жыл бұрын
@@Zaki-mh4gv ikut kefahaman saya, tak boleh kira ikut hasil dividen.. kena kira based on time keluar semua duit tu dari hasil bayar RM500 bulan2 + dividen. so zakat kena bayar masa keluar duit ASB. jad RM284,000 x 2.5% = 7,100. Total hasil RM68,000 - RM7,100 = RM60,900. so masih untung la. ni kalau apa yang saya faham, cuma mr Faiz lupa include tolak zakat dalam video ni.
@Zaki-mh4gv 2 жыл бұрын
@@muhammadsyamil1182 Maaf saya tak kira tempoh dan jumlah yg diwajibkan zakat. Saya cuma ambil kiraan kasar. Kalau begitu, apabila baki ASB mencecah RM14k (lebih kurang nilai 85g emas) sudah wajib bayar zakat, dan zakat simpanan di bayar SETIAP tahun, bukan one-off.
@luqman1983 2 жыл бұрын
Great content as usual. Saya plan nak settle kan loan ASB n start masukkan monthly pulak instead even though lately EPF gives higher return. Dah makin tua ni rasa cm x best pulak ade byk sangat loan. Better kurangkan satu2 sebelum bertemu denganNya..
@lamasiapudin2833 2 жыл бұрын
ASB halal ker sbb saya byk kali juga dgr yg pelaburan ASB ni haram dan ada yg syubhah
@ahmadzulfadli3115 2 жыл бұрын
@@lamasiapudin2833 tuan boleh refer comment FF yg pertama skali, dkt situ ada link psl hukum asb (dr keratan harian metro thn 2015)
@luqman1983 2 жыл бұрын
@@lamasiapudin2833 in case x yakin better jangan ambil. Saya ada dengar explanation dari Ustaz Zaharuddin tahun 2018 ASB harus. Sebelum tu dia pernah mention haram tapi lepastu bertukar harus penambahbaikan by ASB. Wallahu a’lam.
@abdharithabdaziz7236 2 жыл бұрын
Loan asbf boleh bayar lebih ke dari kadar sebulan dia..utk settelkan cpt?
@faizalmohdzaki70 2 жыл бұрын
Terbaik tuan Faiz. I love your solution
@AhmadRadzi2112 2 жыл бұрын
mantap la Tuan...penerangan padu, senang faham
@chutorosushi1925 2 жыл бұрын
A good video for many people...many chinese people also need to learn this . Work harder and be frugal to repay the loan is always better. Penting educate yourself... When you take loan , ask the bank manager show u setiap bulan brp masuk ke profit bank...brp masuk your principle . Once you learn this.. u will quickly repay off asap. Cuma bank ramai mereka xnak kasi tau. Tapi kita bole paksa mereka kasi kita tau
@FinancialFaiz 2 жыл бұрын
yes, this example is using ASB as the counter to the principal payment, but there are other options too such as balanced UT funds that may give better returns than the mortgage rates. Decisions are still yours
@ongth601 2 жыл бұрын
How to learn this method when Chinese can't buy ASNB? There is a second thought of thinking is to use leverage. But you need manage your risk la... Paying loan fast is not the only path. There are many paths bitcoin, forex, stock, option trading ,call put options, bond trading, US stock market trading, etc...
@ongth601 2 жыл бұрын
@@FinancialFaiz balanced UT comes with stock market risk...and you need to pay management fees which they don't have any obligation to manage the portfolio well...
@ongth601 2 жыл бұрын
Sebenarnya bank dah kasi tau dekat loan agreement, cuma hang yang tak nak belajar membaca kandungan dalam perjanjian itu....
@wangwang91 2 жыл бұрын
Just a random question, apa perniagaan ASB buat yang menguntungkan sampai 6% dividend tu?
@lemang9875 Жыл бұрын
Skrg asb tgh melabur salah satunya company greatec
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