谢谢分享，我读了你post的link，原来是这些所谓的investment club的人写的方法，他们所采用的方法的确不同于一般银行Gross income x 30%的计算方法。以下这个例子，是这位来自www.freemen.com.my的founder--michael Tan在文章里所举的例子：
”Let me give you an example; Ahmad works as an IT manager, and draws a fixed salary of RM5,300 (nett after deducting EPF, SOCSO and Tax). He just got married and now plans to buy a house worth RM400,000. He is currently paying RM1,300 for a car loan and his credit card bills are averaging RM3,000 per month. Can he afford to buy this property and how much home loans can he take? Let’s calculate his debt service ratio. Current debt commitment is as follows: Car Loan = RM1,300 per month Outstanding Credit Card amount = RM3,000 Banks take a 5% of outstanding credit card amounts, to be minimum monthly payments, therefore, Credit Card (minimum) installments = RM3,000 X 0.05 = RM150 Therefore, his total monthly debt = RM1,300 + RM150 = RM1,450 Now, if you would like to know the maximum housing loan Ahmad can afford, then you just have to do the following: [debt + (maximum new loan installments)] / income = 0.7 | Maximum new loan installments | = (0.7 x income) – debt | | = (0.7 x RM5,300) – RM1,450 | | = RM2,260 per month. |
Assuming Ahmad can take a 30 year loan at 6% interest rate, an installment of RM2,260 can allow Ahmad to take a loan of RM376,950 (you can use free home loan calculators online to determine the value). Therefore, if this is Ahmad’s first residential property, he can afford to buy a house worth RM400,000 with a 10% down payment and a loan of RM360,000. I hope this illustration gives you a better view of how to calculate your DSR. In my following article, I will share how you can design and maximize your investment portfolio using the DSR ratio.“
OK，问题来了：根据作者以上的计算例子，我只能说，幸好这位Ahmad刚结婚，有老婆养，不然我都不懂他每个月怎样生存！请看：
RM5,300 (nett after deducting EPF, SOCSO and Tax) - RM2,260 （housing loan per month） - RM1,450 （car + credit card debt） = RM1,590
假设这位Ahmad是单身没有老婆养，作者也许以为balance的RM1,590足够这位Ahmad在城市里生存。。。事实是这样吗？我们继续往下看：
RM1,590 - RM450 （假设Ahmad超级节省完全没有应酬每天早午晚吃饭钱维持在RM15）- RM300（汽油费）- RM100（parking）- RM120（最便宜的公寓管理费）- RM60（电话费）- RM60（最差的streamyx上网费）- RM100（水电费）= RM400
以上的一些开销是我所能直接一想就想到的。。。那么，剩下的RM400可以做些什么？？？保险费呢？日常用品呢？娱乐费？生病？意外？车祸？汽车维护费？黑事白事？etc。。。RM400可以解决这些问题吗？？？
所以我大胆的推论，这个作者是没有料的！或许他真的有lubang帮你借到这笔钱，但是这笔钱借了，你死你贱！lu mati lu punya hal
事实上我上他的website一看就反胃：
http://www.freemen.com.my/index.php?mid=3826
本帖最后由 财聚人散 于 24-9-2013 11:49 PM 编辑
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