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PERSONAL PROFILE
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 ILMU BERSAMA
OFILE
INCOME
A) ACTIVE (RM)
Husband 2600
Wife
TOTAL 2,600.00

B) SIDE INCOME
Husband TOTAL INCOME P
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 2,600.00
COMMITMENT BANK

NO LOAN TYPE MONTHLY (RM) ANNUALLY (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) 720.00 8,640.00
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 720.00 8,640.00


IN PAYSLIP (RM) INTEREST (%) OUTSTANDING BALANCE (RM)

- -
MARKET VALUE (RM) NETWORTH (RM) YEARS END PAYMENT
0
0
0
0
0
0
0
0
0 2025
0
0
0
0
0
0
0
0
0
0
0

- -
YEARS LEFT REMARKS
-2017
-2017
-2017
-2017
-2017
-2017
-2017
-2017
8
-2017
-2017
-2017
-2017
-2017
-2017
-2017
-2017
-2017
-2017
-2017
MONTHLY EXPENSES
CATEGORY MONTHLY (RM)

A) MEALS
Husband 300.00
Wife
Kitchen items

B) RESIDENCE
Rental 170.00
Maintanance fee
Security fee

C) TRANSPORTATION
Car 1 service
Car 2 service
Car 1 petrol 25.00
Car 2 petrol
Toll
Parking
Insurance and roadtax 13.00

D) UTILITIES
Electric
Water
Sink fund
Indah water
ASTRO
Internet
Handphone 1 50.00
Handphone 2
Handphone 3
Others

E) OTHERS
Parents 300.00
Babysitter
Kids
Entertainment 200.00
Emergency fund 500.00
Charity fund 50.00
MISC 100.00

TOTAL EXPENSES 1,708.00


HOW MUCH IF CAN CUT/CONTROL (RM)

150.00
150.00
REMARKS
ASSETS
CATEGORY CURRENT AMOUNT (RM)

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 2,000.00
Gold bar/coin
Stock 1
Stock 2
Stock 3
UT (Cash)
Bon

E) BUSINESS
Current business value
TOTAL GROSS ASSET

RM 2,000.00

CASH WITHOUT LOAN

CASH WITHOUT LOAN

CASH WITHOUT LOAN


PROTECTION
TYPE INSURANCE NAME

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

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

TOTAL PAYMENT (RM)

SUGGESTED LIFE COVERAGE RM

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

EXAMPLE :

COVERAGE (RM) 514,736.00


1 MONTH EXPENSES (RM) 2,428.00
1 YEAR EXPENSES (RM) 29,136.00
MONTHLY PAYMENT ANNUALY PAYMENT AMOUNT COVERAGE
(RM) (RM) (RM)

-
-
-
-
-
-

-
-
-
-
-
-

- -

514,736.00

he coverage can be used as income replacement

CAPITAL (RM) 485,600.00


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

urvive if anything happens


FINANCIAL SUMMARY
INCOME RM 2,600.00
COMMITMENT RM 720.00
MONTHLY EXPENSES RM 1,708.00
TAKAFUL RM -

CURRENT NETWORTH RM 2,000.00


LIFE PROTECTION RM -
SUGGESTED LIFE COVERAGE RM 514,736.00

PASSIVE INCOME RM -
CASHFLOW RM 172.00
(extra cash every month)

If start saving from cashflow every month


1 year RM 2,064.00
2 years RM 4,128.00
3 years RM 6,192.00
4 years RM 8,256.00
5 years RM 10,320.00
*If current networth negative, you might need to check the total value of your Life protection plan
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 replacement if anything happens to you

*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 matter.
*If negative need to restructure your commitments and monthly expenses
rotection plan

ment if anything happens to you


GRAPH FINANCIAL

PERCENTAGE

6.62%
27.69%

COMMITMENT MONTHLY EXPENSES TAKAFUL CASHFLOW

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

6.62%
27.69%

ONTHLY EXPENSES TAKAFUL CASHFLOW

must START SAVING)


DSR

DSR Husband 27.6923076923 % *This calculation only calculate Activ

DSR Wife #DIV/0! % *This calculation only calculate Activ

DSR Joint income 27.6923076923 % *This calculation calculate All income

DISCLAIMER : These calculations and percentage shown, only relevant to be used as gui
to be the exact figure. There might be changes. For more detail, need to

BANK DSR (Based on income RM 3000 below)


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 %
culation only calculate Active income + Side income

culation only calculate Active income + Side income

culation calculate All income + All commitment

y relevant to be used as guideline and not acclaimed


es. For more detail, need to refer to the related bank.

RM 3000 below)
MONITOR
MONTH TOTAL SAVING TARGET
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 side incom
EXTRA CASH How much you can earn after achieve your target
EXTRA CASH REMARKS

ed on monthly cashflow
Settle credit card, make side income,buy properties
CONTACT
To get to know more about your potential and how much you can earn with investment
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 RESTRUC
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 Investme
Thank you for your patience as well as your cooperation.

Please do follow us on Facebook :

Pages :
arn with investment

in order to RESTRUCTURE your financial,

garding your Investment potential, as soon as possible.

Personal :
PROPERTY
HOUSE PRICE 90% LOAN TENURE INTEREST
(RM) (RM) (YEARS) RATE
100,000.00 90,000.00 35 5.50%
150,000.00 135,000.00 35 5.20%
200,000.00 180,000.00 35 4.90%
250,000.00 225,000.00 35 4.80%
300,000.00 280,000.00 35 4.70%
350,000.00 315,000.00 35 4.60%
400,000.00 360,000.00 35 4.50%
450,000.00 405,000.00 35 4.50%
500,000.00 450,000.00 35 4.40%
600,000.00 540,000.00 35 4.40%
700,000.00 630,000.00 35 4.40%
800,000.00 720,000.00 35 4.40%
900,000.00 810,000.00 35 4.40%
1,000,000.00 900,000.00 35 4.40%

*Note : Disbursement fee, GST and other MISC charges are not included in these calculations o
*Lowcost and Medium cost units need Consent from SUK and PTG, additional charges maybe
MONTHLY PAYMENT NET SALARY COST YOU MUST STANDBY (RM
(RM) (RM) 10% DOWNPAYMENT
483.31 1,449.93 10,000.00
698.64 2,095.92 15,000.00
896.99 2,690.97 20,000.00
1,107.01 3,321.03 25,000.00
1,360.01 4,080.03 30,000.00
1,510.33 4,530.99 35,000.00
1,703.72 5,111.16 40,000.00
1,916.69 5,750.07 45,000.00
2,101.87 6,305.61 50,000.00
2,522.25 7,566.75 60,000.00
2,942.62 8,827.86 70,000.00
3,363.00 10,089.00 80,000.00
3,783.37 11,350.11 90,000.00
4,203.75 12,611.25 100,000.00

luded in these calculations of SnP and Loan Agreement, for more details please consult your lawyer.
G, additional charges maybe applicable, further detail please do refer to the lawyer.
COST YOU MUST STANDBY (RM) TOTAL
SNP LOAN AGREEMENT VALUATION COST (RM)
2,000.00 1,350.00 774.00 14,124.00
3,500.00 2,025.00 774.00 21,299.00
4,850.00 2,610.00 827.00 28,287.00
6,200.00 3,150.00 933.00 35,283.00
7,550.00 3,810.00 1,039.00 42,399.00
8,900.00 4,230.00 1,145.00 49,275.00
10,250.00 4,770.00 1,251.00 56,271.00
11,600.00 5,310.00 1,357.00 63,267.00
12,950.00 5,850.00 1,463.00 70,263.00
16,650.00 6,930.00 1,675.00 85,255.00
20,350.00 8,010.00 1,887.00 100,247.00
24,050.00 9,090.00 2,099.00 115,239.00
27,750.00 10,170.00 2,311.00 130,231.00
31,450.00 11,250.00 2,523.00 145,223.00

t your lawyer.
ASB FINANCING

LOAN AMOUNT TENURE / MONTHLY PAYMENT (RM)


(RM) 5 10 15
10,000.00 189.63 107.05 80.13
20,000.00 379.26 214.09 160.25
30,000.00 568.89 321.14 240.38
40,000.00 758.52 428.18 320.50
50,000.00 948.15 535.23 400.63
60,000.00 1,137.78 642.27 480.75
70,000.00 1,327.41 749.32 560.88
80,000.00 1,517.04 856.37 641.00
90,000.00 1,706.67 963.41 721.13
100,000.00 1,896.30 1,070.46 801.25
110,000.00 2,085.93 1,177.50 881.38
120,000.00 2,275.56 1,284.55 961.50
130,000.00 2,465.19 1,391.60 1,041.63
140,000.00 2,654.82 1,498.64 1,121.75
150,000.00 2,844.45 1,605.69 1,201.88
160,000.00 3,034.08 1,712.73 1,282.00
170,000.00 3,223.71 1,819.78 1,362.13
180,000.00 3,413.34 1,926.82 1,442.25
190,000.00 3,602.97 2,033.87 1,522.38
200,000.00 3,792.60 2,140.92 1,602.50

*Based on interest rate = 5.2%


THLY PAYMENT (RM)
20 25 30
67.11 59.63 54.91
134.21 119.26 109.82
201.32 178.89 164.73
268.42 238.52 219.40
335.53 298.15 274.56
402.63 357.78 329.47
469.74 417.41 384.38
536.84 477.04 439.29
603.95 536.67 494.20
671.05 596.30 549.11
738.16 655.93 604.02
805.26 715.56 658.93
872.37 775.19 713.84
939.48 834.82 768.76
1,006.58 894.45 823.67
1,073.69 954.08 878.58
1,140.79 1,013.71 933.49
1,207.90 1,073.34 988.40
1,275.00 1,132.97 1,043.31
1,342.11 1,192.60 1,098.22
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.
E D
CK
LO
For Personal Coaching 1 to 1 only, if you are interested in joining our PC 1 to 1 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding 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 session,
please do kindly email back to us ur Excel Kewangan 2017 to : juicapital@gmail.com
We will check and analyze your information and get back to you regarding your Investme
E D

ur PC 1 to 1 session,
juicapital@gmail.com
garding your Investment potential, as soon as possible.