ASSIGNMENT

BASIC MATH 1

NO. NAMES I/C NO.

1 MUHAMAD ASYRAF B. MUHAMAD LUDIN 901129-03-5641

2 MOHD SHAFUAN B. ZULKAFLI 901018-11-5091

3 W MD. TALQIFF IMAN B. WAN AHMAD 890616-11-5023

RAFIDI

LECTURER’S NAME : PN. HAJAH ZAINUN BT. ISMAIL

SUBMISSION DATE : 14 SEPTEMBER 2008

INDEX
NO. CONTENTS PAGES
1. GROUP MEMBERS PROFILE 2-5

2. APPRECIATION 6-7

3. INTRODUCTION 8-9

4. COLLABORATION 10-11

5. TASK 12
- MONTHLY SALARY 13
- MONTHLY BUDGET 14-15
- BALANCE OF THE SALARY 16
- CAR THAT INTEREST ME 17
- CAR THAT SUIT THE BUDGET 18
- THE CALCULATION 19-21

6. CONCLUSION 22-24

7. APPENDIX 25

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NAME : MUHAMAD ASYRAF B. MUHAMAD LUDIN

I/C NO : 901129-03-5641

ADDRESS : LOT 2099, BT 10 ¼,

JLN KUALA KRAI, 16450 KETEREH,
KOTA BHARU, KELANTAN

PHONE NO. : 019-9894733

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NAME : MOHD SHAFUAN B. ZULKAFLI

I/C NO. : 901018-11-5091

ADDRESS : NO 45, RAKR BUKIT SAWA,

BINJAI RENDAH, 21400, MARANG,
TERENGGANU.

PHONE NO. : 019-9679540

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NAME : W MD. TALQIFF IMAN B. WAN AHMAD RAFIDI

I/C NO. : 890616-11-5023

ADDRESS : LOT 1894, KG. BUKIT PEPARI,

BDR. PERMAISURI,
22100 SETIU,
TERENGGANU.

PHONE NO. : 013-9909109

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 First of all, we feel grateful as we managed to
complete the assignment sharp on time. We start doing the
assignment on 1 September 2008 and complete on 13 September
2008.

In order to finish the assignment, we had use all the

sources surround us to ensure we can produce a great complete
assignment. While finish the task given, we also get new
experiences in our life such as make a monthly budget. Beside
that, we also going to the car showroom to get the information
about payment, loan, interest and monthly instalment of the car.
For sure, the task given quite interesting.

Hence, we would like to thank those who had help us

while doing this assignment. Thank you to Pn. Hajah Zainun bt.
Ismail for lending her hand to help us all the time we go to
discuss about the task given. Thank you also to all car dealers and
friends who involved in the time we doing this assignment.
Thank you so much to all of you.

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 I am Mohd Saiful, a 24 year old teacher. After finish
my study at Institut Perguruan Darulaman, I was posting to
Sekolah Kebangsaan Wangsa Maju in Kuala Lumpur. My target
after become a teacher is to buy a new car. As we know, lifestyle
in Kuala Lumpur is totally different compared to the village.
Almost all what we want to do need money to be done.
In order to save my salary to buy a new car, I had live
in a condominium with 7 other friends. The condominium rent is
RM 1200 per month. Although it is quite expensive, we do not feel
any pressure as we share our money to pay for it. Live together
with friends under one roof is good for us as this will help us to
save our money on everything.
As example, when we live like this, we can save our
money on food. Every month, all of us will share our money to buy
groceries. It is more save than eat at the restaurant. Besides
that, we also can save our money on electrical and water bills
monthly.
Hence, there’s a lot of money I can save every month
on my salary. It was very good as I can use the extra money to
budget on monthly instalment of the car that I will buy.

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NO. DATE ACTIVITY SIGNATURE

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MONTHLY SALARY. . . .

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 AFTER FINISH MY STUDY, I WAS SEND TO A
SCHOOL IN KUALA LUMPUR. THIS WAS MY FIRST POSTING.
MY MONTHLY SALARY IS ABOUT RM 2500. I AM WISHING
TO BUY A NEW CAR. IN THAT CASE, I AM STAYING IN A
CONDOMINIUM WHICH HAS 4 ROOMS AND 3 BATHROOMS
WITH 7 OTHERS FRESH GRADUATE TEACHERS IN ORDER TO
SAVE MY SALARY. I AM ALSO DOING A MONTHLY BUDGET
FOR DAILY SPENDING IN ORDER TO GET A NEW CAR.
HENCE, THE BALANCE OF THE SALARY CAN BE USE TO PAY
THE CAR PRICE MONTHLY.

MONTHLY BUDGET. . . .
BELOW IS THE TABLE OF MY MONTHLY BUDGET.

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NO. ACTIVITY BUDGET PERCENTAGE

1. HOUSE RENT RM 150 6%

2. BILLS RM 30 1.2%

3. FOOD RM 120 4.8%

4. PARENTS RM 300 12%

5. ENTERTAINMENT RM 100 4%

6. SHOPPING RM 300 12%

7. SAVING RM 500 20%

TOTAL RM 1500 60%

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 B U D G E T (R M )

6 % 1 %5 % HO USE RENT
B IL L S
40% 12% FO O D
PARENTS
E N T E R T A IN M
4%
S H O P P IN G
12%
S A V IN G
20%
CAR

BALANCE OF SALARY. . . .

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 AFTER I HAVE MADE THE BUDGET FOR MONTHLY
SPENDING, THERE IS RM 1000, THE BALANCE AFTER I HAVE
SPENT MY SALARY FOR A MONTH.

IN PERCENTAGE, I HAVE USED 60% OF MY SALARY ON

MY PERSONAL USE. THE BALANCE 40% IS THE NET BALANCE
THAT I CAN USE TO PAY FOR MY CAR MONTHLY
INSTALMENT. IT IS MORE THAN ENOUGH FOR ME TO BUY
MY DREAMS CAR.

FROM THE BALANCE, HENCE I CAN FIND A CAR WITH

THE MAXIMUM MONTHLY INSTALMENT UP TO RM 600 –
RM 800. FOR SURE I HAVE A LOT OF CHOICES FROM ANY
MODEL OF CAR THAT SUIT THE RANGE I HAVE MADE.

CAR THAT INTEREST ME. . . .

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PROTON
- WIRA
- SATRIA NEO
- GEN. 2

PERODUA
- KENARI
- VIVA
- MYVI

TOYOTA
- AVANZA
- VIOS

HONDA
- ACCORD
- CITY
- JAZZ

NISSAN
- LATIO

CAR THAT SUIT THE BUDGET….

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PROTON
- SATRIA NEO 1.6 MT HLINE

PERODUA
- MYVI 1.3 SX ( MANUAL ) SOLID

NISSAN
- LATIO 1.6 M

THE CALCULATION

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 PERODUA MYVI 1.3 SX ( M ) SOLID

PRICE RM 43 400
DOWN
PAYMENT RM 4 340
( 10% )
LOAN AMAUNT RM 43 400 – RM 4 340
= RM 39 060
INTEREST/YEAR
( 3.99% @ 3.99% x RM 39 060
9 YEAR ) = RM 1558.50
TOTAL ( RM 1558.50 x 9 ) + RM
INTEREST + 39 060
LOAN AMAUNT = RM 53 086.50
MONTHLY
INSTALMENT RM 53 086.50 / 108
( 108 MONTH ) = RM 491.50

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 PROTON SATRIA NEO 1.6 MT HLINE

PRICE RM 51 800
DOWN
PAYMENT RM 5 180
( 10% )
LOAN AMAUNT RM 51 800 – RM 5 180
= RM 46 620
INTEREST/YEAR
( 3.99% @ 3.99% x RM 46 620
9 YEAR ) = RM 1 860.10
TOTAL ( RM 1 860.10 x 9 ) +
INTEREST + RM 46 620
LOAN AMAUNT = RM 63 360.90
MONTHLY
INSTALMENT RM 63 360.90 / 108
( 108 MONTH ) = RM 586.65

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 NISSAN LATIO 1.6 ( M )

PRICE RM 82 189.50
DOWN
PAYMENT RM 8 218.95
( 10% )
RM 82 189.50 –
LOAN AMAUNT RM 8 218.95
= RM 73 970.55
INTEREST/YEAR
( 3.99% @ 3.99% x RM 73 970.55
9 YEAR ) = RM 2 951.40
TOTAL ( RM 2 951.40 x 9 ) +
INTEREST + RM 73 970.55
LOAN AMAUNT = RM 100 533.15
MONTHLY
INSTALMENT RM 100 533.15 / 108
( 108 MONTH ) = RM 930.85

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 As we can see, different car cost
different amount of money that we must pay
for certain car. The price of the car, down
payment, loan amount, interest rate per year,
the total amount, and monthly instalment that
need to be cut of from our monthly pay.

So our group make a discussion on which

car should we pick for a price that is
reasonable and does not cost us any problem
in the near future.

So we all decided on Proton Satria Neo 1.6

MT HLINE car that cost us RM 586.65 per
month. We think that the price does fit our
monthly budget that we have made.
Furthermore, the car is match for person like
me which want a sporty car.

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PROTON SATRIA NEO

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