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PERSONAL PROFIL
NAME :
HP NO :
ADDRESS :
EMAIL :
ARAHAN : ISI DATA ANDA DI RUANGAN BERWARNA 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
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)
RM -
MEDICAL CARD
Husband
Wife
Kids 1
Kids 2
Kids 3
Kids 4
LIFE PROTECTION
Husband
Wife
Kids 1
Kids 2
Kids 3
Kids 4
*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)
AGE RM -
-
-
-
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 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
PERCENTA
Commitment
Monthly expenses
Takaful
Cashflow (monthly extra cash u must START SAVING)
PERCENTAGE
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
OR
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Pages :
much you can earn with investment
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