10. 分析
文件带来
1. 银行协议书:14 August 2008, 15 August 2008,
16 August 2008, 9 October 2008
2. 银行首期信日期: 30th November 2008
3. 银行最新结单:31st December 2013
SMR分析〉〉〉
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22. K. Repayment :
Tier Months
1
12
2
12
3
36
4
300
Monthly
RM853.72
RM853.69
RM858.32
RM828.72
Interest on the facility (ies)
(other than the overdraft
facility) shall be calculated on
a daily basis and capitalized
monthly. Until commencement
of the instalment repayment,
interest shall be paid monthly
in arrears commencing from
the corresponding date falling
one month after the first
drawndown date.
N. Total
Repayment:
RM299,764.44
3. 原本
贷款资料
C. Mortgage Type: Adjustable Rates Mortgage
E. Compounded Interest: Daily
H. Base Lending Rate: 6.75%
I. Number of Tier: 4
J. Interest Rate:
Tier 1: 12 Months BLR - 1.75% = 5.00%
Tier 2: 12 Months BLR - 1.75% = 5.00%
Tier 3: 36 Months BLR - 1.70% = 5.05%
Tier 4: 300 Months BLR - 2.05% = 4.70%
Year 1: the date of the first
disbursement until
30/11/2009. Year 2:
1/12/2009 until
30/11/2009. Year 3 to
Year 5: 1/12/2010 until
30/11/2013.
Subsequent years:
1/12/2013 and
thereafter.
Total Principal
RM159,032.95
Repayment
F. Payment Frequency:
Monthly
Total Interest
RM140,731.49
B. Period: 360 Months
A. Loan Principal
Amount: RM156,000.00
MRTA: RM3,032.95
Legal Fee: RM0.00
Valuation Fee: RM0.00
Others: RM0.00
Total: RM159,032.95
当前贷款资料分
析如何?〉〉〉
D. Basis Year: 365 Days
G. Exact Day: Yes
L. Loan Disbursement:
First Release: 31 October 2008
Final Release: 05 January 2009
M. 1st Repayment Date: 30 November 2008
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23. 4. 当前贷款资料
E. Current BLR: 6.60%
F. Number of Tier Remaining: 1
G. Interest Rate: BLR – 2.05% = 4.55% D. Outstanding Balance: RM138,526.98
K. Total
Repayment:
RM242,366.38
Repayment
H. Repayment:
RM813.31
Total Principal
RM138,526.98
B. No. of
Installments
Paid:
62 Months
J. No. of
Installments
Extended
Total Interest
RM103,839.40
B. Period: 360 Months
A. As at: 31 December 2013
Total Repayment Paid:
RM52,805.88
Total Principal Paid:
RM20,505.97
Total Interest Paid:
RM32,299.91
0 Months
C. Number of Installments Remaining: 298 Months
I. Current Loan Tenure:
298 Months
您有什么问题吗?〉〉〉
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27. 统一结单
Consolidated Statement
Loan Account
31 Dec 2013
Outstanding Loan Amount
RM138,526.98
−
Current Account
15 Jan 2014
Available Credit For Withdrawal
Cash
RM40,855.71
Consolidated Statement
15 Jan 2014
Loan Account Number: xxx-x-xxxxxxx-x
RM Balance
97,641.27
Interest Saved
RM6,478.06
Monthly Installment @
Next Due Date
RM813.03
31 Jan 2014
Total Loan Limit
Available
(redemption
reference) at last
due date:
RM145,005.04
Interest Rate %
4.5500%
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