10. 分析
文件带来
1. 银行协议书:26th June 2004
2. 银行首期信日期: 9th January 2007
3. 银行最新结单:24th September 2013
SMR分析〉〉〉
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11. SMR分析
项目
事项
A
B
总
贷款金额
原本
RM141,960.00
期间
360 个月
C
已付期数
176双周
D
剩余期数(B – C)
604双周
E
贷款余额
RM122,850.73
F
当前基贷率 (BLR)
6.60%
G
利率
5.10%
H
双周还款
RM346.76
I
目前贷款期限
606双周
J
期数调整(I - D)
K
总还款(H x I)
RM210,136.56
L
总利息(K – E)
RM87,285.83
SMR PLAN Case Study 3
BLR – 1.50%
延长
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2双周
SMR拟定》》》
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21. 3. 原本贷款资料
1. 贷款状况: 现有还款
2. 贷款类型: HSBC Homemaker
3. 银行协议书日期:26 June 2004
4. 贷款合约日期: 03 August 2004
5. 自动转帐帐户: 有
深入分析〉〉〉
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22. K. Repayment :
Tier Monthly
1
RM525.00
2
RM754.00
3
RM869.00
4
RM861.00
5
Thereafter
RM847.00
Bi-Weekly
RM262.50
RM377.00
RM434.50
RM430.50
RM423.50
(By the way of fortnightly installments
each in the amount of half the monthly
installments specified for the respective
periods in the Letter of Offer (item 4(a)),
the first of such installments will be
debited to your account on or before the
1st of each month commencing in the
month of full drawdown of the facility or on
such other date as shall be fixed from time
to time by the Bank and subsequent
instalments on or before 14 days
thereafter. The total of all such fortnightly
instalments including any final adjustment
shall not exceed the tenure specified in the
Letter of Offer (item 4(a)).
N. Total
Repayment:
RM302,410.00
3. 原本贷款资料
C. Mortgage Type: Adjustable Rates Mortgage
Interest will be charged by us at the agreed
E. Compounded Interest: Daily
rate/s (item 4(a)) per annum on daily
H. Base Lending Rate: 6.00%
balance calculated on 1/2 basis for a
I. Number of Tier: 5
period or periods as stated (item 4 (a))
J. Interest Rate:
from the date of first drawdown or three
Tier 1: 12 Months 2.00% = 2.00%
(3) months after the date of the Letter of
Tier 2: 12 Months BLR - 1.00% = 5.00%
Offer whichever is earlier and payable
Tier 3: 36 Months BLR + 0.35% = 6.35%
monthly to the debit of your account or
Tier 4: 120 Months BLR + 0.25% = 6.25% any other account(s) to be opened by
Tier 5: 180 Months BLR + 0.00% = 6.00% the Bank for this purpose.
Total Principal
RM141,960.00
Repayment
F. Payment Frequency:
Bi-Weekly
Total Interest
RM160,452.00
B. Period: 360 Months (780 Bi-weeks)
D. Basis Year: 360 Days
G. Exact Day: No
L. Loan Disbursement:
First Release: Unknown
Final Release: Unknown
A. Loan Principal
Amount: RM136,680.00
MRTA: RM5,280.00
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM141,960.00
当前贷款资料
分析如
何?〉〉〉
M. 1st Repayment Date: 9 January 2007
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23. 4. 当前贷款资料
H. Repayment:
RM346.76
K. Total
Repayment:
RM210,136.56
Repayment
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 1.50% = 5.10% D. Outstanding Balance: RM122,850.73
B. No. of
Installments
Paid: 176
Bi-weeks
Total Principal
RM122,850.73
J. No. of
Installments
Extended
Total Interest
RM87,285.83
B. Period: 360 Months (780 Bi-weeks)
A. As at: 24 Sep 2013
Total Repayment Paid:
RM70,574.17
Total Principal Paid:
RM19,378.19
Total Interest Paid:
RM51,195.98
SMR PLAN Case Study 3
2 Bi-weeks
C. Number of Installments Remaining: 604 Bi-weeks
I. Current Loan Tenure:
606 Bi-weeks
您有什么问题吗?〉〉〉
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29. 2. SMR方法
配套
SMR50
节省
50%
双周
303
Repayment
Total Principal
RM122,850.73
B. No. of
Installments
Paid: 176
Bi-weeks
Total Interest
Total Interest
RM43,643.91
RM87,285.83
利息
RM43,643.92
Total Save
Principal
50% Time
RM315,526.40
&
J. No. of
Installments
50% Interest
Extended
With
SMR 摊还表 >>>
B. Period: 360 Months (780 Bi-weeks)
2 Bi-weeks
Number of Installments Remaining: 176 Bi-weeks
Current Loan Tenure: 606 Bi-weeks
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34. 执行
The Applicant must promptly pay the exact bi-weekly
instalments repayment amount on the repayment due date
strictly in accordance with the SMR Plan provided by the
Company OR on the following three (3) working days from
the repayment due date (Repayment Time Period”).
The Applicant shall strictly adhere to the Repayment Time
Period irrespective of whether bi-weekly instalment
repayment is made by way of CASH or by CHEQUE to
Loan Account.
更多〉〉〉
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35. 执行
The Outstanding Balance with the Lender shall not
include incidental charges such as insurance
premiums,
penalty
charges,
late
payment
charges, monthly/bi-weekly administrative charges
and legal fees.
更多〉〉〉
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36. 执行
This SMR Plan shall automatically be terminated and null and void if
the applicant by own action prematurely terminate the SMR Plan by:
1.
2.
3.
4.
5.
6.
disposing off the Property or
transferring the Property to any third party or
refinancing the existing loan facility or
early redeeming the loan facility with Lender or
defaulting in the repayment of the bi-weekly instalment loan
facility or
engaging in a situation or conduct which shall have the effect
of rendering the Lender to recall or terminate the loan facility.
如何监管? 〉〉〉
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37. 附加SMR计划
利率变动
Please be informed that in
the situation of Variation of
Interest Rate (“VIR”) due to
changes of
• Base Lending Rate
(“BLR”) and/or
• Adjusted Interest Rate
(“AIR”) by the Lender
and/or
• application for Lower
Interest Rate (“LIR”) by
you,
Variation of Interest Rate
Central
Bank
基贷率
Base
Lending
Rate
Lender
Applicant
调利率
Adjusted
Interest
Rate
the Applicant is allowed to apply Additional SMR Plan.
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低利率
Lower
Interest
Rate
问与答〉〉〉
37
38. 问与答
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点击“Ask a Question”
提问并现在开始聊天
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现在会回答每一个问题。
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回答。
〈〈〈纲要
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