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发表于 23-10-2012 01:35 PM
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I think BLR - 2.4% or - 2.35% don has huge different, maybe you just can save few thousand for that particular years... correct if I'm wrong
Let say RM388k per unit.
Loan RM349,200
| Year | Interest | Payment per month | Total Interest | Total Payment | | 30 | 4.25
| 1,717.85 | 269,227.48 | 618,427.48 | | 30 | 4.20 | 1,707.65 | 265,553.27 | 614,753.27 | | 40 | 4.25 | 1,514.20 | 377,616.83 | 726,816.83 | | 40 | 4.20 | 1,503.18 | 372,324.38 | 721,524.38 |
If 40 years with 4.20 interest, then you pay RM100 extra for the first 3 years only, you can save around RM14,126.71, then your total interest will reduce to RM358,197.66.
From the calculation, I prefer to get better service insteal of the tiny different 0.05% from the interest. |
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