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PERSONAL PROFIL
NAME :

HP NO :

ADDRESS :

EMAIL :
ARAHAN : ISI DATA ANDA DI RUANGAN BERWARNA KUNING SAHAJA

AMARAN : ANDA DILARANG SAMA SEKALI MENGEDAR, MENYEBAR,


MENCETAK DAN MENCIPLAK EXCEL INI DEMI KEBERKATAN IL
L PROFILE

RWARNA KUNING SAHAJA

MENGEDAR, MENYEBAR,
EL INI DEMI KEBERKATAN ILMU BERSAMA
INCOME
A) ACTIVE (RM)
Husband
Wife
TOTAL -

B) SIDE INCOME
Husband
Wife
Others
TOTAL -

C) BUSINESS INCOME
Company 1
Company 2
Company 3
TOTAL -

D) PASSIVE INCOME
ASB dividen
TH dividen
Stock
Unit trust
House rental 1
House rental 2
House rental 3
House rental 4
House rental 5
TOTAL -
TOTAL INCOME PERMONTH

RM -
COMMITMENT BANK

NO LOAN TYPE MONTHLY (RM)


1 Personal loan 1 (H)
2 Personal loan 2 (H)
3 Personal loan 1 (W)
4 Personal loan 2 (W)
5 Credit card 1 (H)
6 Credit card 2 (H)
7 Credit card 1 (W)
8 Credit card 2 (W)
9 Car loan (H)
10 Car loan (W)
11 ASB loan (H)
12 ASB loan (H)
13 ASB loan (W)
14 ASB loan (W)
15 Housing loan 1 (H)
16 Housing loan 2 (H)
17 Housing loan 1 (W)
18 Housing loan 2 (W)
19 PTPTN (H)
20 PTPTN (W)

TOTAL DEBT -
ANNUALLY (RM) IN PAYSLIP (RM) INTEREST (%)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-

- -
OUTSTANDING BALANCE (RM) MARKET VALUE (RM)

- -
NETWORTH (RM) YEARS END PAYMENT YEARS LEFT
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017
0 -2017

-
REMARKS
MONTHLY EXPENSES
CATEGORY MONTHLY (RM)

A) MEALS
Husband
Wife
Kitchen items

B) RESIDENCE
Rental
Maintanance fee
Security fee

C) TRANSPORTATION
Car 1 service
Car 2 service
Car 1 petrol
Car 2 petrol
Toll
Parking
Insurance and roadtax

D) UTILITIES
Electric
Water
Sink fund
Indah water
ASTRO
Internet
Handphone 1
Handphone 2
Handphone 3
Others

E) OTHERS
Parents
Babysitter
Kids
Entertainment
Emergency fund
Charity fund
MISC

TOTAL EXPENSES -
HOW MUCH IF CAN CUT/CONTROL (RM)
-
REMARKS
ASSETS
CATEGORY

A) KWSP
Acc 1 (H)
Acc 1 (W)
Acc 2 (H)
Acc 2 (W)

B) SAVINGS
ASB 1 (H)
ASB 1 (W)
ASB 2 (H)
ASB 2 (W)
Tabung Haji (H)
Tabung Haji (W)
Saving acc 1 (H)
Saving acc 2 (H)
Saving acc 1 (W)
Saving acc 2 (W)
Current acc (H)
Current acc (W)

C) PROPERTY
Land
Land
House 1
House 2
House 3
House 4

D) OTHERS
Car
Motorcycle
Gold bar/coin
Stock 1
Stock 2
Stock 3
UT (Cash)
Bon

E) BUSINESS
Current business value
CURRENT AMOUNT (RM)

CASH WITHOUT LOAN

CASH WITHOUT LOAN

CASH WITHOUT LOAN


TOTAL GROSS ASSET

RM -

ASH WITHOUT LOAN

ASH WITHOUT LOAN

ASH WITHOUT LOAN


PROTECTION
TYPE

MEDICAL CARD
Husband
Wife
Kids 1
Kids 2
Kids 3
Kids 4

LIFE PROTECTION
Husband
Wife
Kids 1
Kids 2
Kids 3
Kids 4

SUGGESTED LIFE COVERAGE RM

*If anything happens to your husband, the amount of the coverage can be used as income
*Invest capital, spend divident only

EXAMPLE :

COVERAGE (RM)
1 MONTH EXPENSES (RM)
1 YEAR EXPENSES (RM)
INSURANCE NAME MONTHLY PAYMENT
(RM)

TOTAL PAYMENT (RM) -

AGE RM -

band, the amount of the coverage can be used as income replacement

-
-
-
ANNUALY PAYMENT AMOUNT COVERAGE
(RM) (RM)

-
-
-
-
-
-

-
-
-
-
-
-

CAPITAL (RM) -
DIVIDEN RATE (%)
DIVIDEN RATE ANNUALLY -
MONTHLY DIVIDEN (RM) -
*Monthly divident could be used as income replacement to survive if anything happens
AGENT AGENT
NAME HP NO

/year
/year
/year
/year
/year
/year

/life
/life
/life
/life
/life
/life

appens
FINANCIAL SUMMARY
INCOME RM
COMMITMENT RM
MONTHLY EXPENSES RM
TAKAFUL RM

CURRENT NETWORTH RM
LIFE PROTECTION RM
SUGGESTED LIFE COVERAGE RM

PASSIVE INCOME RM
CASHFLOW RM
(extra cash every month)

If start saving from cashflow every month


1 year RM
2 years RM
3 years RM
4 years RM
5 years RM
-
-
-
-

- *If current networth negative, you might need to check the total value of your Lif
- whether it could cover all the debts if anything happens to you
- *Check the suggested value of your Life coverage. It should be your income repl

- *Check your Passive income. It should be more than your Monthly expenses.
- If it is negative, you need to start and figure out of something to overcome this m
*If negative need to restructure your commitments and monthly expenses

-
-
-
-
-
the total value of your Life protection plan

hould be your income replacement if anything happens to you

our Monthly expenses.


ething to overcome this matter.
monthly expenses
GRAPH FINANCIAL

PERCENTA

COMMITMENT MONTHLY EXPENSES

Commitment
Monthly expenses
Takaful
Cashflow (monthly extra cash u must START SAVING)
PERCENTAGE

TMENT MONTHLY EXPENSES TAKAFUL CASHFLOW

must START SAVING)


DSR

DSR Husband #DIV/0! %

DSR Wife #DIV/0! %

DSR Joint income #DIV/0! %

DISCLAIMER : These calculations and percentage shown, only relevant to be used a


to be the exact figure. There might be changes. For more det

BANK DSR (Based on income RM 3000 b


Maybank 40 %
RHB 80 %
Ambank 60 %
Public Bank 60 %
Bank Rakyat 75 %
Bank Islam 60 %
CIMB 65 %
Hong Leong Bank 60 %
Bank Muamalat 60 %
OCBC 60 %
UOB 60 %
Affin Bank 80 %
BSN 60 %
Alliance 60 %
*This calculation only calculate Active income + Side income

*This calculation only calculate Active income + Side income

*This calculation calculate All income + All commitment

, only relevant to be used as guideline and not acclaimed


t be changes. For more detail, need to refer to the related bank.

Based on income RM 3000 below)


MONITOR
MONTH TOTAL SAVING
January
February
March
April
Mei
Jun
July
August
September
October
November
December

SAVING How much you can save every month based on monthly cashflow
TARGET What you target in this month, Example : Settle credit card, make
EXTRA CASH How much you can earn after achieve your target
TARGET EXTRA CASH

an save every month based on monthly cashflow


n this month, Example : Settle credit card, make side income,buy properties
an earn after achieve your target
REMARKS
CONTACT
To get to know more about your potential and how much you can earn with investm
tools such as Property, ASB and Unit trust

OR

If you are interested in joining our Personal Coaching 1 to 1 session in order to REST
please do kindly email back to us ur Excel Kewangan 2017 to :

juicapital@gmail.com
juicapital@gmail.com
juicapital@gmail.com

We will check and analyze your information and get back to you regarding your Inv
Thank you for your patience as well as your cooperation.

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much you can earn with investment

ng 1 to 1 session in order to RESTRUCTURE your financial,


an 2017 to :

t back to you regarding your Investment potential, as soon as possible.


ation.

Personal :
PROPERTY
HOUSE PRICE 90% LOAN
(RM) (RM)
100,000.00 90,000.00
150,000.00 135,000.00
200,000.00 180,000.00
250,000.00 225,000.00
300,000.00 280,000.00
350,000.00 315,000.00
400,000.00 360,000.00
450,000.00 405,000.00
500,000.00 450,000.00
600,000.00 540,000.00
700,000.00 630,000.00
800,000.00 720,000.00
900,000.00 810,000.00
1,000,000.00 900,000.00

*Note : Disbursement fee, GST and other MISC charges are not included in these calculat
*Lowcost and Medium cost units need Consent from SUK and PTG, additional charges m
TENURE INTEREST MONTHLY PAYMENT
(YEARS) RATE (RM)
35 5.50% 483.31
35 5.20% 698.64
35 4.90% 896.99
35 4.80% 1,107.01
35 4.70% 1,360.01
35 4.60% 1,510.33
35 4.50% 1,703.72
35 4.50% 1,916.69
35 4.40% 2,101.87
35 4.40% 2,522.25
35 4.40% 2,942.62
35 4.40% 3,363.00
35 4.40% 3,783.37
35 4.40% 4,203.75

arges are not included in these calculations of SnP and Loan Agreement, for more details please consult your lawyer.
m SUK and PTG, additional charges maybe applicable, further detail please do refer to the lawyer.
NET SALARY COST YOU MUST STANDBY (RM)
(RM) 10% DOWNPAYMENT SNP
1,449.93 10,000.00 2,000.00
2,095.92 15,000.00 3,500.00
2,690.97 20,000.00 4,850.00
3,321.03 25,000.00 6,200.00
4,080.03 30,000.00 7,550.00
4,530.99 35,000.00 8,900.00
5,111.16 40,000.00 10,250.00
5,750.07 45,000.00 11,600.00
6,305.61 50,000.00 12,950.00
7,566.75 60,000.00 16,650.00
8,827.86 70,000.00 20,350.00
10,089.00 80,000.00 24,050.00
11,350.11 90,000.00 27,750.00
12,611.25 100,000.00 31,450.00

ore details please consult your lawyer.


refer to the lawyer.
TANDBY (RM) TOTAL
LOAN AGREEMENT VALUATION COST (RM)
1,350.00 774.00 14,124.00
2,025.00 774.00 21,299.00
2,610.00 827.00 28,287.00
3,150.00 933.00 35,283.00
3,810.00 1,039.00 42,399.00
4,230.00 1,145.00 49,275.00
4,770.00 1,251.00 56,271.00
5,310.00 1,357.00 63,267.00
5,850.00 1,463.00 70,263.00
6,930.00 1,675.00 85,255.00
8,010.00 1,887.00 100,247.00
9,090.00 2,099.00 115,239.00
10,170.00 2,311.00 130,231.00
11,250.00 2,523.00 145,223.00
ASB FINANCING

LOAN AMOUNT TENURE / MONTHLY PAY


(RM) 5 10
10,000.00 189.63 107.05
20,000.00 379.26 214.09
30,000.00 568.89 321.14
40,000.00 758.52 428.18
50,000.00 948.15 535.23
60,000.00 1,137.78 642.27
70,000.00 1,327.41 749.32
80,000.00 1,517.04 856.37
90,000.00 1,706.67 963.41
100,000.00 1,896.30 1,070.46
110,000.00 2,085.93 1,177.50
120,000.00 2,275.56 1,284.55
130,000.00 2,465.19 1,391.60
140,000.00 2,654.82 1,498.64
150,000.00 2,844.45 1,605.69
160,000.00 3,034.08 1,712.73
170,000.00 3,223.71 1,819.78
180,000.00 3,413.34 1,926.82
190,000.00 3,602.97 2,033.87
200,000.00 3,792.60 2,140.92

*Based on interest rate = 5.2%


TENURE / MONTHLY PAYMENT (RM)
15 20 25 30
80.13 67.11 59.63 54.91
160.25 134.21 119.26 109.82
240.38 201.32 178.89 164.73
320.50 268.42 238.52 219.40
400.63 335.53 298.15 274.56
480.75 402.63 357.78 329.47
560.88 469.74 417.41 384.38
641.00 536.84 477.04 439.29
721.13 603.95 536.67 494.20
801.25 671.05 596.30 549.11
881.38 738.16 655.93 604.02
961.50 805.26 715.56 658.93
1,041.63 872.37 775.19 713.84
1,121.75 939.48 834.82 768.76
1,201.88 1,006.58 894.45 823.67
1,282.00 1,073.69 954.08 878.58
1,362.13 1,140.79 1,013.71 933.49
1,442.25 1,207.90 1,073.34 988.40
1,522.38 1,275.00 1,132.97 1,043.31
1,602.50 1,342.11 1,192.60 1,098.22
E D
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LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
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E D
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ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.
E D
C K
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 sessi
please do kindly email back to us ur Excel Kewangan 2017 to :
We will check and analyze your information and get back to you regarding your Inv
E D
C K
ted in joining our PC 1 to 1 session,
an 2017 to : juicapital@gmail.com
t back to you regarding your Investment potential, as soon as possible.