10. 分析
文件带来
1. 银行协议书:28 August 2012
2. 银行首期信日期: 1st February 2013
3. 银行最新结单:24th October 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
RM329,136.95
期间
300 个月
C
已付期数
9个月
D
剩余期数(B – C)
291个月
E
贷款余额
RM314,248.54
F
当前基贷率 (BLR)
6.60%
G
利率
4.30%
H
每月还款
RM1,792.29
I
目前贷款期限
291个月
J
期数调整(I - D)
K
总还款(H x I)
RM521,556.39
L
总利息(K – E)
RM207,307.85
SMR PLAN Case Study 4
BLR – 2.30%
延长
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0个月
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: i-WISH FLEXI HOME FINANCING-i
3. 银行协议书日期:28 August 2012
4. 贷款合约日期: 24-Dec-2012
5. 自动转帐帐户: 有
深入分析〉〉〉
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22. F. Payment Frequency:
Monthly
K. Repayment :
Tier 1: RM1,792.29
(The installment shall
commence upon initial
disbursement of the facility.
If initial disbursement is
made on or before 15th of
the month, the monthly
installment shall commence
on the first day of the
following month. If initial
disbursement is made after
15th of the month, the
monthly installment shall
commence on the first day
of the following month after
the following month.)
Total Principal
RM329,136.95
Repayment
3. 原本
贷款资料
C. Mortgage Type: Adjustable Rates Mortgage
E. Compounded Interest: Daily
H. Base Lending Rate: 6.60%
I. Number of Tier: 1
J. Interest Rate:
Tier 1: BLR – 2.30% = 4.30% (The first tier Profit Rate shall commence from Date
of First Release, whichever is earlier. The rates are subject to maximum ceiling
rate of 9.90% or rate of return, whichever is lower. Rate of Return is calculated
based on Daily rest.)
Total Interest
RM208,550.05
B. Period: 300 Months
N. Total
Repayment:
RM537,687.00
D. Basis Year: 365 Days
G. Exact Day: Yes
L. Loan Disbursement:
First Release: 07 January 2013
Final Release: 20 March 2013
Total Disbursement: RM329,136.95
SMR PLAN Case Study 4
M. 1st Repayment Date: 1 February 2013
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A. Loan Principal
Amount: RM315,000.00
MRTA: RM5,836.95
Legal Fee: RM8,300.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM329,136.95
当前贷款
资料分析
如
何?〉〉〉
22
23. 4. 当前贷款资料
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.30% = 4.30% D. Outstanding Balance: RM314,248.54
K. Total
Repayment:
RM521,556.39
Repayment
H. Repayment:
RM1,792.29
Total Principal
RM314,248.54
B. No. of
Installments
Paid:
9 Months
J. No. of
Installments
Extended
Total Interest
RM207,307.85
B. Period: 300 Months
A. As at: 24 October 2013
Total Repayment Paid:
RM16,130.61
Total Principal Paid:
RM14,888.41
Total Interest Paid:
RM1,242.20
SMR PLAN Case Study 4
0 Months
C. Number of Installments Remaining: 291 Months
I. Current Loan Tenure:
291 Months
您有什么问题吗?〉〉〉
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27. 1. SMR目标
配套
SMR50
节省
50%
个月
146
利息
RM103, 653.93
如何实现?〉〉〉
Repayment
Total Principal
RM314,248.54
B. No. of
Installments
Paid:
9 Months
J. No. of
Installments
Extended
Total Interest
RM207,307.85
B. Period: 300 Months
0 Months
Number of Installments Remaining: 291 Months
Current Loan Tenure: 291 Months
SMR PLAN Case Study 4
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28. 2. SMR方法
配套
SMR50
节省
50%
个月
146
利息
RM103, 653.93
Total Principal
Total
RM314,248.54
Repayment
Save
Principal
50% Time
RM314,248.54
B. No. of
Installments
Paid:
9 Months
Total Interest
Total Interest
RM207,307.85
RM103,653.92
& J. No. of
Installments
50% Interest
Extended
With
SMR摊还表 >>>
B. Period: 300 Months
0 Months
Number of Installments Remaining: 291 Months
Current Loan Tenure: 291 Months
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33. 执行
The Applicant must promptly pay the exact monthly
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 monthly instalment
repayment is made by way of CASH or by CHEQUE to
Loan Account.
更多〉〉〉
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34. 执行
The Outstanding Balance with the Lender shall not
include incidental charges such as insurance
premiums,
penalty
charges,
late
payment
charges, monthly administrative charges and legal
fees.
更多〉〉〉
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35. 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 monthly 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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36. 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〉〉〉
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37. 问与答
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〈〈〈纲要
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