Scribd
Upload
29 views3 pages

Case Study 3

CASE STUDY FIN333

Uploaded by

my chimchim
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
29 views3 pages

Case Study 3

CASE STUDY FIN333

Uploaded by

my chimchim
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
You are on page 1/ 3

Q10

Assess Ahmad's current credit capacity by calculating his DSR.


Comment on the DSR and determine whether Ahmad is still have
sufficient capacity to make the housing loan if the lender's threshold is
70%? (13 Marks)
kena buat DSR A & B
Monthly Gross Income AMOUNT (RM) (b) ÷ (a) x 100%
Salary DSR =
Freelancing 1 RM0
a Total Income 1

Monthly Debt Servicing


Credit Card 1
Car Loan 1
*PTPTN Loan 1
(amount=RM23,000; 10 years repayment period; 1%
interest rate)
b Total Debt Servic 1 RM0
*use the calculator provided above

Q11 Advise Ahmad how he can he increase his DSR? (5 Marks)


Name: Date:

Ahmad - A Continuing Case Study


to apply knowledge of financial planning and management skills to deal with
limited resources and solve money-related problems. (C3, PLO2)

Life insurance is the most controversial and hard-to-select form of insurance. It is


controversial because no entity requires that you have life insurance in the way that
you are required to insure an auto or home. It is also the one form of insurance for
which you, the policyholder, will not be the one to file the claim. Selection is difficult
because the insurance industry has numerous policy options for term and whole Iife
insurance.

Consider the following policies under Iife insurance:

• Term life insurance


• Wlole-life insurance
• Investment-linked life insurance
• Edowment life insurance
• Annuity Iife insurance

Q12 Do you think Ahmad needs life insurance? If yes, why? If no, why not?
(3 Marks)
1.mention yes or no
2. if ambik insurance tu kebaikan die untuk bayar balik hutang loan

Q13 What type of policy will suit Ahmad’s needs and explain the premium
and the coverage of the policy. (3 Marks)

1. kena pilih sama ada whole life, term life or endowment insurance 2. pilih sama
ada fire insurance, mrta, houseowner

3. kena explain benefits and advantages the insurance policy

Q14 Explain to Ahmad the tax benefit that he can get if he purchase the
insurance policy. (4 Marks)
(tak perlu buat lagi sbb tak bljr lagi)
X6A0T

Home Loan Calculator PTPTN Loan Calculator


Calculate monthly repayment of the Calculate monthly repayment of
house of your dream. your PTPTN loan

How much is the house price? How much is the PTPTN loan?
RM RM

What is your down payment? What is the interest rate


RM 50,000 %

What is the interest rate How long you plan to repay?


% 440.00% Years

How long you plan to repay? you will need to commit to monthly repayment of

Years #DIV/0!
for 0 Years
you will need to commit to monthly repayment of

#DIV/0! GO BACK >>


for 0 Years

You might also like