1. One Stop Financial Services YOUR FINANCIAL CONSULTANT

4. YOUR MORTGAGE LOAN Installment Amoount $1,297.20 BLR: 6.75% Yearly Tenure: 30 Years (360 Months) Loan Amount $ 200,000.00

5. Monthly Installment $ 1,297.20 x 360 Months = $ 466,990.63 Loan Amount $ 200,00.00 Total Repayment $ 466,990.63 $466,990.63 - $ 200,000 = $ 266,990.63 Total Interest Interest $ 266,990.63 DO YOU KNOW ? Installment Amount $1,297.20 BLR : 6.75 % Yearly Tenure: 30 Years( 360 Months) Loan Amount $ 200,000.00

6. After Paying $77,832.00 for 5 Years Monthly Installment $1,297.20 PENALTY will imposed if you Pay Off your Home Loan Within 5 Years !! Pay to principal $12,248.58 Interest Paid $65,583.42 $200,000 LOAN AMOUNT ， PAYMENT for 5 Years ($77,832.00), Outstanding BALANCE $187,751.42 (94%) Tenure: 30 Years ( 360 Months)

7. YOUR MORTGAGE LOAN Monthly Installment $1,297.20 INTEREST PAID $1,125.00 PRINCIPAL PAID $172.20 TENURE: 30 YEARS( 360 MONTHS)

8. Payment For 15 YEARS ， Total $233,496.00 Monthly Installment $1,297.20 PRINCIPAL PAID $63,043.92 INTEREST PAID $170,452.08 $200,000 LOAN AMOUNT ， PAYMENT FOR 15 YEARS ($233,496), Outstanding Balance $136,956.08 (73%) TENURE: 30 YEARS( 360 MONTHS)

13. Installment $1,621.50 BLR : Yearly 6.75 % TENURE: 360 Months Loan Amount $ 250,000.00 Monthly Installment $ 1,621.50 x ( 360 Months ) = $ 583,738.29 Total Interest $ 333,783.29 Loan Amount $ 250,00.00 Total Repayment $ 583,738.29 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 1. Excess Payment Current Account Loan Account Extra Payment $2,000.00 ( +378.50 ) $1,621.50 ( +378.50 ) Flexi Loans

14. inverse order of maturity Installment $1,621.50 BLR : YEARLY 6.75 % TENURE: 360 MONTHS Loan Amount $ 250,000.00 Installment $ 1,621.50 x 360 Months = $ 583,738.29 Total Repayment Total Interest $ 333,783.29 Loan Amount $ 250,00.00 Total Repayment $ 583,738.29 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 2 . Advance Payment Suspense Account Loan Account Extra Payment $2,000.00 ( +378.50 ) $1,621.50 inverse order of maturity ( +378.50 ) Term Loans

15. Installment Amount $1,621.50 BLR : 6.75 % Monthly Rest TENURE: 360 MONTHS Loan Amount $ 250,000.00 - 10,000.00 $ 240,000.00 TOTAL REPAYMENT $ 250,000 ( 333,783.29 ) VS $ 240,000 ( 320,388.76 ) Total Interest $ 333,783.29 $ 320,388.76 $ 250,00.00 Principal $ 240,00.00 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 3 . Principal Deduction Request for Pricipal Deduction $10,000 Difference $ 13,394.53 Term Loans Flexi Loans

16. Monthly Installment $1,621.50 TENURE: 360 MONTHS LOAN AMOUNT $ 250,000.00 Total Interest $ 333,783.29 Loan Amount $ 250,00.00 1. Excess Payment 2. Advance Payment 3. Principal Reduction 2 . Advance Payment Suspense Account EXTRA PAYMENT $10,000.00 ( +8378.50 ) Request Principal Deduction $10,000 1. Excess Payment Current Account ( +8378.50 ) ( +8378.50 ) 3 . Principal Reduction

17. The Power of Partial Prepayment Installment amount $1,297.20 BLR : Yearly 6.75 % Monthly Rest TENURE: 360 MONTHS Loan Amount $ 200,000.00 Shorten the Tenure ， Save Interest ！ Shorten the period of pay off 。 Loan Amount $ 200,00.00 4. Partial Prepayment Extra Payment $10,000.00 Shorten of 50 Months Total Interest $ 266,990.63 $ 211,619.06 $ -55,371.57 Balance of 310 months Save$56,777.86 8,378.50

18. Partial Prepayment www.bnm.gov.my

20. NOW YOU CAN SAVE UP TO 90% OF YOUR HOME LOAN INTEREST? One Stop Financial Services YOUR FINANCIAL CONSULTANT