Contoh Pengiraan

Contoh Penyelesaian 

Syarikat menggunakan EasyPay 0% interest systems menukarkan hutang semasa kad kredit anda kepada ansuran mudah selama 3 tahun dengan kadar faedah 0%

Example
Bank Biasa
-Kad Credit Limit RM10,000 (Hutang RM8,000)
Contoh: Maybank (Kiraan Biasa)
Kad Credit Limit: RM10,000
Hutang Kad: RM8,000
Interest Rate: 18% Setahun, atau 1.5% sebulan
Bayaran Minimum: RM400 sebulan (5% dari RM8,000)
Interest Charge (untuk baki) RM8,000 – RM400)x1.5% = RM7,600 x 1.5% = RM114
RM8,000 x 5% = RM400 sebulan bayaran minima
Jika anda bayar RM50 atau RM399 anda akan dapat panggilan talipon dari pihak bank kerana tak buat minimum payment RM400
Outstanding balance kad kredit anda masih dalam lingkungan RM10,000
Ambil masa 89 bulan untuk selesaikan hutang jika bayar minimum payment.
Plan ZERO Interest
-Kad Kredit Limit RM10,000 (Hutang RM8,000)
Contoh: Maybank Kad Kredit (Kiraan 0% Interest)
Kad Kredit Limit: RM10,000 Hutang Kad: RM8,000
One Time Processing Fee : 8000/0.82 ~ RM1,700 – dijelaskan melalui baki available kad kredit anda : 18 % untuk 36 bulan [ini lebih baik dari simple interest 54% (dari 18%x3) untuk 36 bulan].
Interest Rate: 0% , Bayaran Bulanan: RM10,000/36 = RM277.78 selama 36 bulan.(Boleh bayar minimum payment dari jumlah ini)
Dapat Cash: (RM10,000 – RM1,800) – 8,000 = 8,200 – 8,000 = RM200+
Kami rundingkan untuk Plan 0% Interest dari Bank’s Card Credit anda. Jumlah tahun untuk 0% bergantung kepada Bank.
Anda boleh bayar minimum payment dari minimum payment RM277.78 iaitu RM50 sahaja. (Had Minima payment bagi kad kredit) dan anda TIDAK akan dapat panggilan dari bank.
Interest pada baki yang anda tak bayar masih KECIL.
Contoh kiraan RM277.78 – RM50 = RM227.78 x 1.5% = RM3.42
BERBANDING RM114.00 seperti kiraan bank biasa di atas.
Outstanding balance kad kredit anda ialah apa yang dibilkan iaitu RM277.78 setiap bulan bukan RM10,000.
Dalam 36 bulan anda boleh selesaikan hutang anda bila anda bayar amount yang dibilkan itu setiap bulan.
Calculation Formula

Amount (RM) – Interest Rate (%) – Settlement Amount (RM) = Paid (RM)

Monthly Installment = Amount / Installment Months


CONTOH  1

Credit limit                                   = RM10000
Outstanding balance             = RM8400
Installment Amount              = RM10000
Fee                                                   = 16% for 24 months
                                                            =RM1600

Settlement Amount              = RM8400

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount
Amount to be paid                = RM10000 – RM1600 – RM8400
                                                            = 0

Monthly Installment = RM10000 / 24 months
                                                       = RM416.67 monthly
CONTOH 2
Credit limit                             = RM15000
Outstanding balance             = RM0
CCE
Installment Amount              = RM5000
Upfront Interest                         = 11% for 12 months
                                                                 =RM550

Settlement Amount              = RM0

Amount to be paid                = Installment Amount – Interest Rate (%) – Settlement Amount
Amount to be paid                = RM5000 – RM550 – RM0
                                                             = RM4450
Co paid to customer RM4450

This card have credit limit of RM15000
But the cardholder only wants to do cash advance out for installment plan for RM5000