1

2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

200000
14040
14040
216000
15163
14648
233280
31539
30469
251942
49226
47555
272098
68327
66007
293866
88956
85936
317375
111236
107460
342765
135298
130705
370186
161285
155810
399801
189351
182923
431785
219663
212205
466328
252399
243830
503634
287754
277985
543925
325937
314872
587439
367176
354710
634434
411713
397735
685189
459813
444202
740004
511761
494387
799204
567866
548586
863140
628458
607121
932191
693898
670340
1006767
764573
738615
1087308
840902
812353
1174293
923337
891989
1268236
1012367
977997
loan
direct fake direct real

185960
200837
201741
202717
203771
204909
206139
207467
208901
210450
212122
213929
215880
217987
220263
222721
225375
228242
231338
234682
238294
242194
246406
250956
255869
bz fake

185960
201352
202811
204388
206090
207929
209915
212060
214376
216878
219580
222498
225649
229053
232729
236699
240986
245617
250618
256019
261852
268152
274955
282303
290239
bz real

214040
231163
264819
301168
340425
382822
428611
478063
531471
589152
651448
718727
791388
869862
954614
1046147
1145002
1251765
1367069
1491598
1626089
1771340
1928210
2097630
2280604
gb fake

214040
230648
16000
263749
17280
299497
18662
338105
20155
379802
21768
424834
23509
473470
25390
525996
27421
582724
29615
643990
31984
710158
34543
781619
37306
858796
40291
942149
43514
1032169
46995
1129391
50755
1234390
54815
1347790
59200
1470262
63936
1602531
69051
1745382
74575
1899661
80541
2066282
86985
2246233
93943
gb real naik loan

* hanya cell bertanda ini sahaja yang boleh di ubah

% dividen
monthly
loan

8
1170
200000

vs
1400000

1200000

loan - direct
beza fake
255869
beza real
290239

1000000

800000

loan + direct
gabung fake
2280604
gabung real
2246233

600000

400000

200000
RM

17123
16608
33656
33100
36349
35748
39257
38608
42397
41697
45789
45033
49452
48635
53408
52526
57681
56728
62295
61266
67279
66168
72661
71461
78474
77178
84752
83352
91532
90020
98855
97222
106763
105000
115304
113400
124529
122472
134491
132269
145250
142851
156870
154279
169420
166621
182974
179951
naik gb fk naik gb rl

0
1 2 3 4 5 6 7 8 910111213141516171819202122232425
years

Series1

Series2

25

Ansuran Bulanan (RM)

Tahun
5
6
10,000
192
164
15,000
287
245
20,000
382
326
25,000
477
408
Ansuran Bulanan (RM)
Tahun
5
6
30,000
567
484
35,000
661
564
40,000
755
645
45,000
850
725
50,000
944
806
55,000 1,038
886
60,000 1,132
966
65,000 1,228 1,047
70,000 1,322 1,127
75,000 1,416 1,208
80,000 1,510 1,288
85,000 1,605 1,368
90,000 1,699 1,449
95,000 1,793 1,530
100,000 1,887 1,611
105,000 1,982 1,691
110,000 2,076 1,771
115,000 2,170 1,852
120,000 2,264 1,932
125,000 2,359 2,013
130,000 2,454 2,093
135,000 2,548 2,174
140,000 2,642 2,254
145,000 2,737 2,334
150,000 2,831 2,415
155,000 2,925 2,495
160,000 3,019 2,576
165,000 3,113 2,656
170,000 3,208 2,736
175,000 3,302 2,817
180,000 3,396 2,897
185,000 3,490 2,979
190,000 3,585 3,059

7
144
216
287
358

7
425
495
566
636
707
778
848
919
989
1,060
1,130
1,201
1,271
1,342
1,413
1,483
1,554
1,624
1,695
1,766
1,837
1,907
1,978
2,049
2,119
2,190
2,260
2,331
2,401
2,472
2,542
2,613
2,683

PEMBIAYAAN PELABURAN ASB

JADUAL ANSURAN BULANAN MENGIKUT TEMPOH PELABURAN
JADUAL ANSURAN BULANAN BAGI PELABURAN ASB DI BAWAH RM30,000
8
9
10
11
12
13
14
15
16
17
130
118
109
102
96
90
86
82
79
76
194
176
163
152
143
135
128
122
118
113
258
235
217
202
190
179
170
163
156
150
322
293
270
252
237
224
213
203
195
188
JADUAL ANSURAN BULANAN BAGI PELABURAN ASB RM30,000
8
9
10
11
12
13
14
15
16
381
346
319
297
278
263
249
238
228
444
404
372
346
324
306
291
277
266
507
461
425
395
370
350
332
317
304
570
519
478
444
417
393
373
356
341
633
576
531
493
463
437
415
396
379
696
634
584
543
509
480
456
435
417
760
691
636
592
555
524
497
474
455
823
749
689
641
601
567
539
514
492
886
806
742
690
647
611
580
553
530
949
863
795
739
693
654
621
593
568
1,012
921
848
789
739
698
663
632
606
1,076
978
901
838
786
741
704
671
643
1,139 1,036
954
887
832
785
745
711
681
1,202 1,093 1,007
936
878
828
786
750
719
1,265 1,151 1,060
985
924
872
828
790
757
1,328 1,208 1,113 1,035
970
916
869
829
794
1,391 1,266 1,166 1,084 1,016
959
910
869
832
1,455 1,323 1,218 1,133 1,062 1,003
952
908
870
1,518 1,381 1,271 1,182 1,108 1,046
993
947
908
1,581 1,438 1,324 1,231 1,154 1,090 1,034
987
945
1,644 1,496 1,377 1,281 1,201 1,133 1,076 1,026
983
1,707 1,553 1,430 1,330 1,247 1,177 1,117 1,066 1,021
1,771 1,611 1,483 1,379 1,293 1,220 1,158 1,105 1,059
1,834 1,668 1,536 1,428 1,339 1,264 1,200 1,144 1,096
1,897 1,725 1,589 1,477 1,385 1,307 1,241 1,184 1,134
1,961 1,783 1,642 1,527 1,431 1,351 1,282 1,223 1,172
2,024 1,840 1,695 1,576 1,477 1,394 1,324 1,263 1,210
2,087 1,898 1,748 1,625 1,523 1,438 1,365 1,302 1,247
2,151 1,955 1,800 1,674 1,570 1,481 1,406 1,341 1,285
2,214 2,013 1,853 1,723 1,616 1,525 1,448 1,381 1,323
2,277 2,070 1,906 1,773 1,662 1,568 1,489 1,420 1,361
2,340 2,128 1,959 1,822 1,708 1,612 1,530 1,460 1,398
2,403 2,186 2,012 1,871 1,754 1,655 1,571 1,499 1,436

KE ATAS
17
219
256
292
328
364
401
437
473
510
546
582
619
655
691
727
764
800
836
873
909
945
982
1,018
1,054
1,090
1,127
1,163
1,199
1,236
1,272
1,308
1,345
1,381

195,000 3,680 3,139 2,754 2,467 2,244 2,065 1,920 1,800 1,699 1,613 1,538 1,474 1,417
200,000 3,774 3,220 2,825 2,530 2,301 2,118 1,969 1,846 1,743 1,654 1,578 1,512 1,453

ASB
MPOH PELABURAN
AH RM30,000
18
73
109
145
181

19
71
106
141
176

20
69
103
137
171

21
67
100
133
166

22
66
98
130
162

23
64
96
127
158

24
63
94
124
155

25
62
92
122
152

19
205
239
273
306
340
374
408
442
476
510
544
577
611
645
679
713
747
781
815
848
882
916
950
984
1,018
1,052
1,086
1,119
1,153
1,187
1,221
1,255
1,289

20
199
232
264
297
330
363
396
429
462
494
527
560
593
626
659
692
724
757
790
823
856
889
922
954
987
1,020
1,053
1,086
1,119
1,152
1,184
1,217
1,250

21
193
225
257
289
321
353
385
417
449
481
513
545
577
608
640
672
704
736
768
800
832
864
896
928
960
992
1,024
1,056
1,088
1,120
1,152
1,184
1,215

22
188
219
250
282
313
344
375
406
437
468
499
531
562
593
624
655
686
717
748
780
811
842
873
904
935
966
997
1,029
1,060
1,091
1,122
1,153
1,184

23
184
214
245
275
305
336
366
396
427
457
488
518
548
579
609
639
670
700
731
761
791
822
852
882
913
943
974
1,004
1,034
1,065
1,095
1,125
1,156

24
180
209
239
269
299
328
358
388
417
447
477
506
536
566
596
625
655
685
714
744
774
803
833
863
893
922
952
982
1,011
1,041
1,071
1,100
1,130

25
176
205
234
263
292
321
351
380
409
438
467
496
525
554
583
612
641
670
700
729
758
787
816
845
874
903
932
961
990
1,019
1,049
1,078
1,107

,000 KE ATAS
18
212
247
282
317
352
387
422
457
492
527
562
597
632
667
702
737
772
807
842
877
912
947
982
1,017
1,052
1,087
1,122
1,157
1,192
1,227
1,262
1,297
1,332

1,367 1,323 1,283 1,247 1,215 1,186 1,160 1,136

1,402 1,357 1,316 1,279 1,246 1,217 1,190 1,165

umur
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

tarikh
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041

gaji
2754.56
2979.56
3204.56
3429.56
3654.56
3879.56
4104.56
4329.56
4554.56
4779.56
4779.56
5004.56
5229.56
5454.56
5679.56
5679.56
5904.56
6129.56
6354.56
6579.56
6804.56
7029.56
7254.56
7479.56
7704.56
7929.56
8154.56
8379.56
8604.56
8829.56

skala
setahun
225
2700
450
5400
675
8100
900
10800
1125
13500
1350
16200
1575
18900
1800
21600
2025
24300
2250
27000
2475
29700
2700
32400
2925
35100
3150
37800
3375
40500
3600
43200
3825
45900
4050
48600
4275
51300
4500
54000
4725
56700
4950
59400
5175
62100
5400
64800
5625
67500
5850
70200
6075
72900
6300
75600
6525
78300
6750
81000

gaji 2012
kgt

2754.56
225

*kgt = kenaikan gaji tahunan

*gaji pkk = gaji pokok
*itka = imbuhan ttp khdmt awm
*ew = elaun / B.I. wilayah
*epw = elaun perumahan wilayah
kawasan bertanda ini sahaja boleh diubah
Pendapatan
Potongan Gaji
gaji pkk
2754.56
50.00 zakat
itka
300.00 1080.00 angkasa
ew
482.05
isikan
epw
500.00
isikan
elaun pk
250.00
jumlah
4286.61 1130.00 habis
baki 1
3156.61
Potongan Harian
1176 asb
100 bijak
210 takaful
170 rumah
600 makan
isikan
isikan
isikan
isikan
isikan
baki 2
900.61
2256 habis

h
sahaja boleh diubah

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

240000
256800
274776
294010
314591
336612
360175
385388
412365
441230
472116
505164
540526
578363
618848
662168
708519
758116
811184
867967
928724
993735
1063296
1137727
1217368
loan

7056
7550
15628
24272
33521
43418
54007
65337
77461
90433
104313
119165
135056
152060
170254
189722
210553
232841
256690
282208
309513
338728
369989
403439
439229
drct fake

potongan
tempoh
setahun
mbsb rtrn

mbsb
1180
20
12
283200

% Dividen
Monthly
asb bal

7
1768
271749

7056
7324
15160
23544
32516
42116
52387
63378
75138
87721
101185
115592
131007
147501
165149
184033
204239
225860
248993
273746
300232
328572
358895
391342
426059
drct real

232944
249250
259148
269738
281070
293195
306169
320050
334904
350797
367803
386000
405470
426303
448594
472445
497967
525274
554494
585758
619212
655006
693307
734289
778139
bz fake

sebulan
tahun
bulan
RM

1
2
3
4
5
6

271749
290772
311126
332905
356208
381142

232944
249476
259616
270466
282075
294497
307788
322009
337227
353509
370931
389573
409519
430862
453699
478134
504280
532256
562190
594220
628492
665163
704401
746385
791309
bz real

247056
264350
290404
318283
348112
380030
414182
450725
489825
531663
576429
624329
675582
730423
789103
851890
919072
990957
1067874
1150175
1238237
1332463
1433286
1541166
1656597
gb fake

asb core
mbsb xpt
asb target

240000
120000
360000

21216
22020
45582
70794
97769
126634

68580
98355
134378
177084
226942
284453

247056
264124
16800
289936
17976
317555
19234
347107
20581
378728
22021
412563
23563
448766
25212
487503
26977
528951
28866
573302
30886
620756
33048
671533
35362
725864
37837
783998
40485
846201
43319
912759
46352
983975
49596
1060177
53068
1141713
56783
1228956
60758
1322307
65011
1422192
69561
1529069
74431
1643427
79641
gb real naik loan

361545
411147
491086
580782
680920
792230

7
8
9
10
11
12
13
14
15
16
17
18
19
20

407822
157519
350153
915494
436370
190565
424613 1051549
466916
225925
508449 1201290
499600
263761
602315 1365676
534572
304244
706915 1545731
571992
347562
822999 1742552
612031
393912
951371 1957314
654874
443506 1092892 2191272
700715
496572 1248482 2445768
749765
553352 1419126 2722243
802248
614107 1605877 3022233
858406
679115 1809863 3347384
918494
748674 2032291 3699459
982789
823101 2274452 4080342
loan
drct real drct kgt rl ln+dr+kgt

2700
4163
12779
26161
44642
68580
98355
134378
177084
226942
284453
350153
424613
508449
602315
706915
822999
951371
1092892
1248482
1419126
1605877
1809863
2032291
2274452
drct kgt rl

249756
* hanya cell bertanda ini sahaja yang boleh di ub
268286
302715
343716 % dividen
7
loan - direct
391749 monthly
588 beza fake
447308
loan
240000 beza real
510918
kgt
225
loan + direct
583143
gabung fk
664587
gabung rl
755894
857755
vs
970909
1400000
1096146
1200000
1234312
1386313
1000000
1553116
800000
1735757
1935346
600000
2153069
400000
2390195
2648082
200000
2928184
0
3232055
1 2 3 4 5 6 7 8 91011121314151617
3561360
years
3917879
ln+dr+kgt
RM

17294
17068
26054
25812
27878
27619
29830
29552
31918
31621
34152
33835
36543
36203
39101
38737
41838
41449
44766
44350
47900
47455
51253
50776
54841
54331
58680
58134
62787
62203
67182
66558
71885
71217
76917
76202
82301
81536
88062
87243
94227
93350
100822
99885
107880
106877
115432
114358
naik gb fk naik gb rl

225
450
675
900
1125
1350
1575
1800
2025
2250
2475
2700
2925
3150
3375
3600
3825
4050
4275
4500
4725
4950
5175
5400
5850
skala kgt

Series1

method 1
year 25
3917879
mbsb rtrn
283200
asb bal
3634679

method 2
year 5
391749
mbsb xpt
120000
asb bal
271749

restrt asb
year 20

4080342

asb bal 25
asb bal 20

3634679 method 1
4080342 method 2

different

-445663

bertanda ini sahaja yang boleh di ubah

loan - direct
778139
791309
loan + direct
1656597
1643427

1516171819202122232425
years
Series2