拿EPF来买屋子

孤单的鱼

小弟买了第一间房子(Apartment) 。刚签了Loan Agreement。在想应不应该申请EPF来还房子头期呢。本人的情况如下。1. 信托基金, return 4%+
2. Amanah Saham, return 6%+

问了一些人都拿出来，但我在想，EPF return 5%+, bank loan 6.6%-2.4 = 4.2%。 为何还要拿出来还银行呢？

请帮帮忙。谢谢

天秤座的我

原来KWSP还能给到你那么大信心的啊？？

你知道吗，国债4000亿，多几年还是降不下来的话，国家就肯定被判入穷籍（bankruptcy）
到时候无论你的KWSP里的钱有多少位数，都会立刻变去0

你现在有机会不withdraw一点出来，难道想眼巴巴看着你的100% kwsp的积蓄没完？？

孤单的鱼

终于有人回复了。

AMBERTSH1986

我也是这么想，怕政府把我们的钱花光了

ss24

回复 1# 孤单的鱼

屋子除了资本增值外,还有抵抗通货膨胀的功用.....你把钱留在EPF,只是赚取区区5%利息....怎樣算都是拿来买屋子好..

derrick198

boss, do u know how to calculate home inerest.
blr- (bank ofter interest)
if u borrow 30year, first 3 or 5 year is lock, can not early settlement, if u want early settlement penalty will impose.
2. 30year, first 15year will paid more interest compare with last 15year. example first 1year paid 10k interest,2nd paid 9.5k 3rd paid 9k, 4st paid 8.4k,......at the end 30year will paid very little interest maybe just rm 50 only
bank will take reducing balance formula to calculate. first 1-15year will taken more interest paid less principal.

daered

小心epf的钱给政府拿去帮人。。。有的拿就拿吧。。。

mingshi

小弟买了第一间房子(Apartment) 。刚签了Loan Agreement。在想应不应该申请EPF来还房子头期呢。本人的情况如 ...
孤单的鱼 发表于 11-12-2011 02:53 PM

    照理来说。。放在epf比较好

但是epf乱乱feng钱。。。。

孤单的鱼

终于有人回复了。谢谢大家。

孤单的鱼

boss, do u know how to calculate home inerest.
blr- (bank ofter interest)
if u borrow 30year, firs ...
derrick198 发表于 25-12-2011 08:59 PM

Thanks derrick.
I don't know how to calculate. That's why I need your help.. :p
Do you know the real interest rate charge by bank per annum?
Because I'm not sure how they calculate the interest.
E.g.


Method 1:  (compound)

Calculate daily
4% @ 100k

day 1: 100k * 4% / 365 days = day 1 interest
day 2:  (100k + day 1 interest ) * 4 % / 365 days
.....
1 year interest = day 1 interest + day 2 interest....

or

Method 2: (cummulative)
1 year interest = 100k * 4 %


Any one know how they calculate it?


Thanks..

goatbernard

我也是觉得EPF能拿多少出来，就拿多少出来比较好！

raincom

如果房子是投资,回筹会高过EPF。。。建议拿EPF...
有能力买房子应该有能力计划退休金。。EPF只是BONUS..