By: M. Ridzuan: ASB Calculator - Based On Irwan's (HTTP://WWW - Irwan.biz/asb-Calculator-V2/)

ASB Calculator - based on irwan's (http://www.irwan.
biz/asb-calculator-v2/)
Loan Amount
by: M. Ridzuan
Monthly Payment
Jan-14 <--Enter date in MMMYYYY format
Start Date
Amount
Year
Loan Period
<--Enter your initial investment

Adjustment
monthly
yearly
Dividend
Rate
Bonus
Rate
Total Interest
Beginning
Amount
2014
$1,102.00
8.00%
2015
$1,102.00
8.00%
$12,606.88
2016
$1,102.00
8.00%
$27,412.47
2017
$1,102.00
8.00%
$43,402.51
2018
$1,102.00
8.00%
2019
$1,102.00
2020
Month
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dividend
Bonus
Ending
Amount
$1,102.00
$2,204.00
$3,306.00
$4,408.00
$5,510.00
$6,612.00
$7,714.00
$8,816.00
$9,918.00
$11,020.00
$12,122.00
$484.88
$12,606.88
$13,708.88
$14,810.88
$15,912.88
$17,014.88
$18,116.88
$19,218.88
$20,320.88
$21,422.88
$22,524.88
$23,626.88
$24,728.88
$25,830.88
$1,581.59
$27,412.47
$28,514.47
$29,616.47
$30,718.47
$31,820.47
$32,922.47
$34,024.47
$35,126.47
$36,228.47
$37,330.47
$38,432.47
$39,534.47
$40,636.47
$2,766.04
$43,402.51
$44,504.51
$45,606.51
$46,708.51
$47,810.51
$48,912.51
$50,014.51
$51,116.51
$52,218.51
$53,320.51
$54,422.51
$55,524.51
$56,626.51
$4,045.24
$60,671.75
$60,671.75
$61,773.75
$62,875.75
$63,977.75
$65,079.75
$66,181.75
$67,283.75
$68,385.75
$69,487.75
$70,589.75
$71,691.75
$72,793.75
$73,895.75
$5,426.78
8.00%
$79,322.53
$80,424.53
$81,526.53
$82,628.53
$83,730.53
$84,832.53
$85,934.53
$87,036.53
$88,138.53
$89,240.53
$90,342.53
$91,444.53
$92,546.53
$6,918.84
$99,465.37
$1,102.00
8.00%
$99,465.37
$100,567.37
$101,669.37
$102,771.37
$103,873.37
$104,975.37
$106,077.37
$107,179.37
$108,281.37
$109,383.37
$110,485.37
$111,587.37
$112,689.37
$8,530.27
$121,219.64
2021
$1,102.00
8.00%
$121,219.64
$122,321.64
$123,423.64
$124,525.64
$125,627.64
$126,729.64
$127,831.64
$128,933.64
$130,035.64
$131,137.64
$132,239.64
$133,341.64
$134,443.64
$10,270.61
$144,714.25
2022
$1,102.00
8.00%
$144,714.25
$145,816.25
$146,918.25
$148,020.25
$149,122.25
$150,224.25
$151,326.25
$152,428.25
$153,530.25
$154,632.25
$155,734.25
$156,836.25
$157,938.25
$12,150.18
$170,088.43
2023
$1,102.00
8.00%
$170,088.43
$171,190.43
$172,292.43
$173,394.43
$174,496.43
$175,598.43
$176,700.43
$177,802.43
$178,904.43
$180,006.43
$181,108.43
$182,210.43
$183,312.43
$14,180.11
$197,492.55
2024
$1,102.00
8.00%
$197,492.55
$198,594.55
$199,696.55
$200,798.55
$201,900.55
$203,002.55
$204,104.55
$205,206.55
$206,308.55
$207,410.55
$208,512.55
$209,614.55
$210,716.55
$16,372.44
$227,088.99
2025
$1,102.00
8.00%
$227,088.99
$228,190.99
$229,292.99
$230,394.99
$231,496.99
$232,598.99
$233,700.99
$234,802.99
$235,904.99
$237,006.99
$238,108.99
$239,210.99
$240,312.99
$18,740.16
$259,053.15
2026
$1,102.00
8.00%
$259,053.15
$260,155.15
$261,257.15
$262,359.15
$263,461.15
$264,563.15
$265,665.15
$266,767.15
$267,869.15
$268,971.15
$270,073.15
$271,175.15
$272,277.15
$21,297.29
$293,574.44
2027
$1,102.00
8.00%
$293,574.44
$294,676.44
$295,778.44
$296,880.44
$297,982.44
$299,084.44
$300,186.44
$301,288.44
$302,390.44
$303,492.44
$304,594.44
$305,696.44
$306,798.44
$24,059.00
$330,857.44
2028
$1,102.00
8.00%
$330,857.44
$331,959.44
$333,061.44
$334,163.44
$335,265.44
$336,367.44
$337,469.44
$338,571.44
$339,673.44
$340,775.44
$341,877.44
$342,979.44
$344,081.44
$27,041.63
$371,123.07
2029
$1,102.00
8.00%
$371,123.07
$372,225.07
$373,327.07
$374,429.07
$375,531.07
$376,633.07
$377,735.07
$378,837.07
$379,939.07
$381,041.07
$382,143.07
$383,245.07
$384,347.07
$30,262.89
$414,609.96
2030
$1,102.00
8.00%
$414,609.96
$415,711.96
$416,813.96
$417,915.96
$419,017.96
$420,119.96
$421,221.96
$422,323.96
$423,425.96
$424,527.96
$425,629.96
$426,731.96
$427,833.96
$33,741.84
$461,575.79
2031
$1,102.00
8.00%
$461,575.79
$462,677.79
$463,779.79
$464,881.79
$465,983.79
$467,085.79
$468,187.79
$469,289.79
$470,391.79
$471,493.79
$472,595.79
$473,697.79
$474,799.79
$37,499.10
$512,298.90
2032
$1,102.00
8.00%
$512,298.90
$513,400.90
$514,502.90
$515,604.90
$516,706.90
$517,808.90
$518,910.90
$520,012.90
$521,114.90
$522,216.90
$523,318.90
$524,420.90
$525,522.90
$41,556.95
$567,079.85
2033
$1,102.00
8.00%
$567,079.85
$568,181.85
$569,283.85
$570,385.85
$571,487.85
$572,589.85
$573,691.85
$574,793.85
$575,895.85
$576,997.85
$578,099.85
$579,201.85
$580,303.85
$45,939.43
$626,243.28
$79,322.53
ASB Calculator - based on irwan's (http://www.irwan.biz/asb-calculator-v2/)
Loan Amount
by: M. Ridzuan
Monthly Payment
$200,000.00 <--Enter your initial investment
Start Date
Amount
Year
Adjustment
monthly
yearly
Dividend
Rate
Bonus
Rate
Beginning
Amount
$200,000.00
$1,102.00
Loan Period
Total Interest
Month
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dividend
Bonus
25
$130,600.00
Ending
Amount
2014
7.50%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,000.00
$215,000.00
2015
7.50%
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$215,000.00
$16,125.00
$231,125.00
2016
7.50%
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$231,125.00
$17,334.38
$248,459.38
2017
7.50%
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$248,459.38
$18,634.45
$267,093.83
2018
7.50%
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$267,093.83
$20,032.04
$287,125.87
2019
7.50%
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$287,125.87
$21,534.44
$308,660.31
2020
7.50%
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$308,660.31
$23,149.52
$331,809.83
2021
7.50%
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$331,809.83
$24,885.74
$356,695.57
2022
7.50%
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$356,695.57
$26,752.17
$383,447.73
2023
7.50%
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$383,447.73
$28,758.58
$412,206.31
2024
7.50%
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$412,206.31
$30,915.47
$443,121.79
2025
7.50%
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$443,121.79
$33,234.13
$476,355.92
2026
7.50%
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$476,355.92
$35,726.69
$512,082.61
2027
7.50%
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$512,082.61
$38,406.20
$550,488.81
2028
7.50%
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$550,488.81
$41,286.66
$591,775.47
2029
7.50%
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$591,775.47
$44,383.16
$636,158.63
2030
7.50%
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$636,158.63
$47,711.90
$683,870.53
2031
7.50%
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$683,870.53
$51,290.29
$735,160.82
2032
7.50%
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$735,160.82
$55,137.06
$790,297.88
2033
7.50%
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$790,297.88
$59,272.34
$849,570.22
Loan Amount
by: M. Ridzuan
Monthly Payment
Start Date
Amount
Year
Adjustment
monthly
2016
Total Interest
Dividend
Rate
Bonus
Rate
Beginning
Amount
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$230.00
$215,730.00
-$15,730.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$460.00
$215,960.00
-$15,960.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$690.00
$216,190.00
-$192,190.00
7.75%
1.15%
$24,000.00
$25,102.00
$26,204.00
$27,306.00
$28,408.00
$29,510.00
$30,612.00
$31,714.00
$32,816.00
$33,918.00
$35,020.00
$36,122.00
$37,224.00
$2,415.13
$725.84
$40,364.97
$58,052.88
yearly
2014
2015
Loan Period
Month
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dividend
Bonus
Ending
Amount
2017
$1,102.00
2018
$1,102.00
7.75%
1.15%
$40,364.97
$41,466.97
$42,568.97
$43,670.97
$44,772.97
$45,874.97
$46,976.97
$48,078.97
$49,180.97
$50,282.97
$51,384.97
$52,486.97
$53,588.97
$3,683.42
$780.49
2019
$1,102.00
7.75%
1.15%
$58,052.88
$59,154.88
$60,256.88
$61,358.88
$62,460.88
$63,562.88
$64,664.88
$65,766.88
$66,868.88
$67,970.88
$69,072.88
$70,174.88
$71,276.88
$5,054.23
$855.49
2020
$1,102.00
7.75%
1.15%
$77,186.61
$78,288.61
$79,390.61
$80,492.61
$81,594.61
$82,696.61
$83,798.61
$84,900.61
$86,002.61
$87,104.61
$88,206.61
$89,308.61
$90,410.61
$6,537.09
$952.49
$97,900.20
2021
$1,102.00
7.75%
1.15%
$97,900.20
$99,002.20
$100,104.20
$101,206.20
$102,308.20
$103,410.20
$104,512.20
$105,614.20
$106,716.20
$107,818.20
$108,920.20
$110,022.20
$111,124.20
$8,142.40
$1,073.32
$120,339.91
2022
$1,102.00
7.75%
1.15%
$120,339.91
$121,441.91
$122,543.91
$123,645.91
$124,747.91
$125,849.91
$126,951.91
$128,053.91
$129,155.91
$130,257.91
$131,359.91
$132,461.91
$133,563.91
$9,881.48
$1,219.95
$144,665.33
2023
$1,102.00
7.75%
2024
$1,102.00
$77,186.61
1.15%
$144,665.33
$145,767.33
$146,869.33
$147,971.33
$149,073.33
$150,175.33
$151,277.33
$152,379.33
$153,481.33
$154,583.33
$155,685.33
$156,787.33
$157,889.33
$11,766.70
$1,394.55
$171,050.58
7.75%
1.15%
$171,050.58
$172,152.58
$173,254.58
$174,356.58
$175,458.58
$176,560.58
$177,662.58
$178,764.58
$179,866.58
$180,968.58
$182,070.58
$183,172.58
$184,274.58
$13,811.55
$1,369.49
$199,455.62
2025
$544.38
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,369.49
$216,869.49
2026
-$16,869.49
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,369.49
$216,869.49
2027
-$16,869.49
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,563.66
$217,063.66
2028
-$17,063.66
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,739.00
$217,239.00
2029
-$17,239.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,894.00
$217,394.00
2030
-$17,394.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,027.00
$217,527.00
2031
-$17,527.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,136.18
$217,636.18
2032
-$17,636.18
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,219.55
$217,719.55
2033
-$17,719.55
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,274.95
$217,774.95
Loan Amount
by: M. Ridzuan
Monthly Payment
Start Date
Amount
Year
Adjustment
monthly
yearly
2014
$200,000.00
$1,102.00
Loan Period
Total Interest
25
$130,600.00
Dividend
Rate
Bonus
Rate
Beginning
Amount
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$230.00
$215,730.00
Month
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dividend
Bonus
Ending
Amount
2015
-$15,730.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$460.00
$215,960.00
2016
-$15,960.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$690.00
$216,190.00
2017
-$16,190.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$920.00
$216,420.00
-$184,420.00
7.75%
1.15%
$32,000.00
$33,102.00
$34,204.00
$35,306.00
$36,408.00
$37,510.00
$38,612.00
$39,714.00
$40,816.00
$41,918.00
$43,020.00
$44,122.00
$45,224.00
$3,035.13
$965.04
$49,224.17
2018
$1,102.00
2019
$1,102.00
7.75%
1.15%
$49,224.17
$50,326.17
$51,428.17
$52,530.17
$53,632.17
$54,734.17
$55,836.17
$56,938.17
$58,040.17
$59,142.17
$60,244.17
$61,346.17
$62,448.17
$4,370.01
$1,029.88
2020
$1,102.00
7.75%
1.15%
$67,848.06
$68,950.06
$70,052.06
$71,154.06
$72,256.06
$73,358.06
$74,460.06
$75,562.06
$76,664.06
$77,766.06
$78,868.06
$79,970.06
$81,072.06
$5,813.36
$1,116.15
$88,001.56
2021
$1,102.00
7.75%
1.15%
$88,001.56
$89,103.56
$90,205.56
$91,307.56
$92,409.56
$93,511.56
$94,613.56
$95,715.56
$96,817.56
$97,919.56
$99,021.56
$100,123.56
$101,225.56
$7,375.25
$1,225.58
$109,826.40
2022
$1,102.00
7.75%
1.15%
$109,826.40
$110,928.40
$112,030.40
$113,132.40
$114,234.40
$115,336.40
$116,438.40
$117,540.40
$118,642.40
$119,744.40
$120,846.40
$121,948.40
$123,050.40
$9,066.68
$1,360.12
$133,477.20
2023
$1,102.00
7.75%
1.15%
$133,477.20
$134,579.20
$135,681.20
$136,783.20
$137,885.20
$138,987.20
$140,089.20
$141,191.20
$142,293.20
$143,395.20
$144,497.20
$145,599.20
$146,701.20
$10,899.62
$1,521.86
$159,122.67
2024
$1,102.00
7.75%
1.15%
$159,122.67
$160,224.67
$161,326.67
$162,428.67
$163,530.67
$164,632.67
$165,734.67
$166,836.67
$167,938.67
$169,040.67
$170,142.67
$171,244.67
$172,346.67
$12,887.14
$1,483.09
$186,716.90
2025
$1,102.00
7.75%
1.15%
$186,716.90
$187,818.90
$188,920.90
$190,022.90
$191,124.90
$192,226.90
$193,328.90
$194,430.90
$195,532.90
$196,634.90
$197,736.90
$198,838.90
$199,940.90
$15,025.69
$1,476.05
$216,442.64
$67,848.06
2026
-$16,442.64
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,476.05
$216,976.05
2027
-$16,976.05
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,476.05
$216,976.05
2028
-$16,976.05
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,661.01
$217,161.01
2029
-$17,161.01
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,826.17
$217,326.17
2030
-$17,326.17
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,969.90
$217,469.90
2031
-$17,469.90
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,090.46
$217,590.46
2032
-$17,590.46
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,185.93
$217,685.93
2033
-$17,685.93
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,254.19
$217,754.19
Loan Amount
by: M. Ridzuan
Monthly Payment
Start Date
Amount
Year
Adjustment
monthly
yearly
2014
$200,000.00
$1,102.00
Loan Period
Total Interest
25
$130,600.00
Dividend
Rate
Bonus
Rate
Beginning
Amount
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$230.00
$215,730.00
Month
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Dividend
Bonus
Ending
Amount
2015
-$15,730.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$460.00
$215,960.00
2016
-$15,960.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$690.00
$216,190.00
2017
-$16,190.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$920.00
$216,420.00
2018
-$16,420.00
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,150.00
$216,650.00
-$176,650.00
7.75%
1.15%
$40,000.00
$41,102.00
$42,204.00
$43,306.00
$44,408.00
$45,510.00
$46,612.00
$47,714.00
$48,816.00
$49,918.00
$51,020.00
$52,122.00
$53,224.00
$3,655.13
$1,204.24
$58,083.37
2019
$1,102.00
2020
$1,102.00
7.75%
1.15%
$58,083.37
$59,185.37
$60,287.37
$61,389.37
$62,491.37
$63,593.37
$64,695.37
$65,797.37
$66,899.37
$68,001.37
$69,103.37
$70,205.37
$71,307.37
$5,056.59
$1,279.27
2021
$1,102.00
7.75%
1.15%
$77,643.23
$78,745.23
$79,847.23
$80,949.23
$82,051.23
$83,153.23
$84,255.23
$85,357.23
$86,459.23
$87,561.23
$88,663.23
$89,765.23
$90,867.23
$6,572.48
$1,376.80
$98,816.52
2022
$1,102.00
7.75%
1.15%
$98,816.52
$99,918.52
$101,020.52
$102,122.52
$103,224.52
$104,326.52
$105,428.52
$106,530.52
$107,632.52
$108,734.52
$109,836.52
$110,938.52
$112,040.52
$8,213.41
$1,498.67
$121,752.60
2023
$1,102.00
7.75%
1.15%
$121,752.60
$122,854.60
$123,956.60
$125,058.60
$126,160.60
$127,262.60
$128,364.60
$129,466.60
$130,568.60
$131,670.60
$132,772.60
$133,874.60
$134,976.60
$9,990.96
$1,646.93
$146,614.49
2024
$1,102.00
7.75%
2025
$1,102.00
$77,643.23
1.15%
$146,614.49
$147,716.49
$148,818.49
$149,920.49
$151,022.49
$152,124.49
$153,226.49
$154,328.49
$155,430.49
$156,532.49
$157,634.49
$158,736.49
$159,838.49
$11,917.76
$1,593.77
$173,350.02
7.75%
1.15%
$173,350.02
$174,452.02
$175,554.02
$176,656.02
$177,758.02
$178,860.02
$179,962.02
$181,064.02
$182,166.02
$183,268.02
$184,370.02
$185,472.02
$186,574.02
$13,989.76
$1,571.36
$202,135.14
2026
-$2,135.14
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,571.36
$217,071.36
2027
-$17,071.36
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,571.36
$217,071.36
2028
-$17,071.36
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,571.36
$217,071.36
2029
-$17,071.36
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,747.12
$217,247.12
2030
-$17,247.12
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$1,902.09
$217,402.09
2031
-$17,402.09
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,034.56
$217,534.56
2032
-$17,534.56
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,142.69
$217,642.69
2033
-$17,642.69
7.75%
1.15%
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$15,500.00
$2,224.43
$217,724.43
1.65
30000
60
559
50000
60
500
4.5
11250
2250
500
50000
5
4.6
61500
416.6667

By: M. Ridzuan: ASB Calculator - Based On Irwan's (HTTP://WWW - Irwan.biz/asb-Calculator-V2/)

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