Rahsia bayar RUMAH AWAL!? [Hutang] 13 tahun awal! Wow! (Pakai EPF je)
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- Опубліковано 16 чер 2024
- Keluarkan duit EPF untuk bayar housing loan, berbaloi ke tidak? Haa, soalan ni I tertanya tanya sebab ada orang ni bergaduh online. Dia cakap pasal kalau you ada loan rumah dan you pun ada EPF sebab you bekerja, tiap tiap tahun you pergi dekat EPF minta keluar duit daripada EPF untuk bayar you punya loan rumah.
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00:00 Intro
01:43 Contoh pinjaman
03:13 Pembayaran balik menggunakan akaun KWSP
04:04 Cara cepat habis hutang rumah
05:53 Maintain duit dalam KWSP
07:23 Compounding dividen
09:18 Selesaikan hutang rumah
10:27 Samakan baki hutang dengan simpanan KWSP
12:00 Time value money
13:07 Conclusion
#financialfaiz #hutang #rumah
Rahsia bayar RUMAH AWAL!? [Hutang] 13 tahun awal! Wow! (Pakai EPF je)
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![Cara orang CINA jaga duit! [Kehidupan] Jom belajar dari SIFU berduit](/img/tr.png)
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ASB Financing
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TAKAFUL hibah dan medical card
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Sekarang ada service FIS , future interest .mcm mana die calculation ?
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??
Atau pun rm6000 tu kita kena topup utk slama 287 bulan?
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.
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.
@@FinancialFaiz setuju.. apa2 yg melibatkan financial ni kena buat kira2.. tak boleh main agak2.. tak boleh jadi ahli nujum.. 😊
Buat kira2 bro . Bnyk bro rugi klau bayar installment rumah extra , better extra money tu carum kt epf , bole settle lagi awal rumah tu
@@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.
@@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..
🤷
mantap encik faiz. Mengajar pakai tukul yer. Salah satu psikologi menunjukkan tajuk ni sangat penting.
Hahaha
Mgkin lepas ni pkai gergaji plk...
Jjjhhnhjjzjsjjsjjzgjaixkkxxkxkkxxjuduididvdbxhjdjdjdjdjddjdhdhjxmm
🤩🫤😢🫤😢😕😮😳🤯😢😯🤯😯😕😰😯😰😢🫤😮😯🫤😡😢🫤😢😖😵💫🤯🥶
Next bleh laa pkai pistol plak😂
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, 😅
Terima Kasih di atas penerangan en Faiz.. mantap padat dan ada fact !!
sangat jelas penerangan tuan.terima kasih .saya dah nampak visi yang jelas .
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
From the beginning I love the idea and the presentation..ilmu yg bermanfaat
saya memang tunggu2 video comparison macam ni
Terima kasih En. Faiz. Dapat byk ilmu kewangan
Sangat2 membantu utk first home buyer mcm Saya..info yg terbaik. Terima kasih byk2
Syukur jumpa Channel ni❤byk gila knowledge utk financial aku..hihihi..aku xsuka nombor ...tpi nsib cahnnel ni membantu❤
penerangan yg jituu sekali tuan.. alhamdulillah terima kasih atas ilmunya
This video really opened my eyes. Thanks for the sharing Tuan Faiz
Good vid - always wondered how the calcs were thanks!
Good sharing! now i can perceive this from a broader perspective.
Terima kasih atas perkongsian ilmu Tuan
Editing semakin best, seronok tengok graphics video ni
terbaik sharing ni. thank you so much FF
Great content from best tutor
Splendid FF. Sentiasa memberi guidance dgn facts and figures.
Terima kasih untuk ilmu dan pencerahan.
risau tengok tukul tu tapi video mmg best! thank you sir!
Ilmu berguna dan percuma dari Tuan FF. Keep it up!
Thank you En Faiz
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
penjelasan yg mudah faham...terima kasih atas ilmunya
Terima kasih Tuan berkongsi ilmu tentang cara settle hutang rumah dgn cara ug betul dan mudah. Siap dgn kira2 lagi.
Terima kasih memudahkan Kami buat penilaian utk 3 situasi , baru nak buat pengiraan mengenai ini☺️
Terima kasih sharing benda yang sangat sangat menguntungkan...❤️❤️
Terbaik tn faiz. Buat perbandingan yg detail. Sy buat cara B. Tukul tu mcm nak hempuk org jer 😂
terimakasih, mujurlah nampak video ni, berfikir sejenak balik kalau nak method A,
well2 at least ada pilihan2. nice content
Thanks FF....this video was very useful and well explanation. Hope you can do it other topic related 2nd account EPF go to investment . On investment got profit and lost.
SIMPEL DAN PADAT MEMANG TERBAIK
Salute to respect people's comment and perfect advice.
Memang planning yg padu.
Habiskan hutang sekali Gus target savings.
2 in 1👍
Good sharing bro… Generally, wang adalah scarcity resources, kena consider wang letak mana akan bring us the most benefit. Kalau ada investment opportunity yg tinggi drpd housing loan, then go for investment. Kalau x ada, settle housing loan reduce debt level.
Thank you sir for sharing this information. Now i have a basic idea of how to go about
Jom breakfast dlu en faiz😊
Terbaik tips🍉
Dah settle loan umah! Yeaay! alhamdulillah 😍
terbaik!
Tq for ilmu sir
Mantap lah, boss
Terima kasih berkongsi
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.
bagus penerangan ni. saya pun follow mcm ni. tpi ada 1 faktor yg kita selalu x consider..human factor.peace of mind
terima kasih tuan faiz atas perkongsian ilmu setel hutang rumah cepat
Tks for the tips abg FF
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.😂
Big W Mr. Chong, salute
Thank you Faiz !!
Love the hammer concept! 😂
This is legit financial advice video bukan mcm lagi 1 tue...claim diri "pakar kewangan" while bukan lepasan jurusan kewangan
Kena dgr banyak kali ni...Baru faham 😊
Thanks a lot for the guidance! This is truly great and quality content. Tapi kelakar la guna hammer ni. hahahaha
Terima kasih tuan
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 .
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.
Ngeri la tuan faiz pakai tukul, ganti dengan rotan ok sikit. Apa2 pun info terbaik
Bagus betul community dalam komen ni👍👍
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.
very good advice
fhm tuan faiz.. tq atas ilmu..
First time dpt ilmu kewangan+ matematik dgn penukul.. nasib nada rendah dlm video ni, byg kn dia ceramah time topik bbnu beli iphone haritu smbil pegang penukul.. confirm baling ke kamera 😂😂
5minit sya tngok video nie..bru prasan abg pegang tukul😂
suka sangat video ni. tapi saya nak tanya.. some loan ada option bayar principal loan.. itu pun kiraan nya sama ke ya Tuan Faiz
Terima kasih encik faiz untuk penerangan yg sangat jelas dan terperinci. Saya ada soalan mengenai perbezaan antara kadar interest loan & intest EPF. Walaupun interest tu berbeza tapi interest tu based on amount yg berbeza jgk. Contoh kalau interest loan rumah 300k sebanyak 4% dah jadi ~12k dan EPF tahunan 5% untuk contoh yg encik bagi tu 6k hanyalah rm240 (tahun pertama). Of course interest loan rumah tu akan berkurangan based on baki loan dan total gain daripada EPF tu akan compounding. Untuk contoh yg encik buat dalam video ni focus kepada return yg orang akan dapat kalau biarkan duit dalam EPF tapi encik tak sentuh total loan interest yg orang akan bayar vs total interest yg orang akan jimat kalau bayar guna duit EPF. Saya dah download calculator Financial Calculator tu dan cuba kira. Dekat situ dia tulis interest saving ialah 153k. So bukankah 153k interest saving tu lagi besar jumlah dia dari 39k EPF dividend yg kita akan dapat? Macam yg saya sebut sebelum ni walaupun 4% tu rendah vs EPF tapi dia based on jumlah yg lagi besar. Betul ka saya punya logik dan pengiraan ni? Mohon penjelasan. Terima kasih. :)
Thanks MR faiz
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.
Tempat mana tuan? Mungkin FF boleh study dan bagi nasihat jugak
kesimpulan dia, bayaq shj loan rumah mcm biasa, xpayah kacau epf. kalau jadi apa2, insurance tolong setelkan. *btw, tn faiz ni lec kaa, clear gila cara penerangan, thorbaek
Good content. cuma seram cikgu pegang hammer sambil mengajar....
Kalau ada ambik MRTT full tenure, ikut cara B lebih berbaloi, kot mati awal lah kan.
Dia bawa hammer guys 😂 nice advice sir!! 🫡
Lebih penat hayun tukul tu dari menjerit kot..thanks for the advise..
Sebenarnya..boleh je guna cara formula ni..gantikan je dengan nombor loan korang..hampir2 precise dapat last amaun tu..
nice lesson . bytw ni marah ke guna tukul 😂 teringat cikgu aku
Terima kasih en faiz. Specifically, mudah faham penerangan en faiz. Saya suka. Cuma technically, tukul tu untuk apa?🤭
Prop hehehe
terbaik tqvm tuan Faiz explain dgn numbers! 👏 ❤
Saya sangat takut bila cikgu mengajar sambil pegang hammer. Ini membuatkan saya tgk video ni 3 kali dan akan score A+ subject loan rumah ni. TQ FF.
betul sgt sbb tu sy ckp settlekan loan rumah dgn epf mmg dumb decision sbb interest rate rumah historically lg rendh dr epf…tp incase x nk terbeban dgn hutang malas fikir ok je settle awal tp gunakan cara B atau C….jgn advance tiap tahun dr epf…lg bgus jgn kacau epf gaji naik guna je duit lebihan tu utk bayar loan rumah
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.
comment sikit coach @faiz
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.
Kalau loan kerajaan?
Anggap je yg B tu fixed rate housing loan
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
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
siap pegang pemukul tu... 😂 tq FF.
❤Terbaik
Thank you sir, I will choose B 👍
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.
Thank you🎉🎉🎉🎉🎉
Terbaek tuan, mudah sangat faham. Tqvm.
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
👍🏻👍🏻😍✌🏻
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'. 😊
terbaik
good
thanks!
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)
at what time sesuai untuk request cancel THOSE MRTA/MDTA?
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?
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?
@@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.
@@reddishhot6043 so, what is the best Takaful provider for MLTT/MLTA?
Awal2 buat housing loan 20 taun. Dpt low interest rate. Plan guna duit bonus utk yearly one time payment since malas buat ivestment or asb n pikir zakat. TH 3% je, rugi simpan compared to byr rumah. Tinggalkan sikit for emergency.
Tuan penasihat!!! 20 persennnn
tapi assuming gaji naik, accrued over 20+ year period, teknik A pun boleh menang kan. Tapi dividend all the way lah. Bila dengar kosongkan acc ni rasa tak sedap pulak haha.
Satu perkara yg org x perasan.. Ikut cara B or C.. Lepas buat full settlement kita akn ada lebihan cash RM2213(amount yg kita guna utk bayar duit umah).
So bleh guna utk beli emas, ASB, TH atau generate kat mana2 yg investment yg selamat.
My only question is why the hammer? Saya harap dapat perjelasan lanjut. Thank you.
Hi Financial Faiz, an financial newbie right here still learning about house loan, What if an another situation that is open an flexi loan account and take out the EPF Akaun 2 to pay extra will it save more money?