** Installment Amount = Swipe Amount
** Settlement Amount = Outstanding yg nak di settlekan
Formula
Swipe Amount = Outstanding / (100% - fee charge)
Swipe Amount = 100% / fee charge x Available balance
Settlement Amount = Swipe Amount x (100% - fee charge)
Monthly payment = Swipe Amount / month
*** Swipe Amount tidak lebih dari Credit limit
Contoh 1 (Convert utk plan 3 tahun, fee charge = 20%)Limit = 10000
Outstanding = 8000
Available = 2000
Swipe Amount = 8000 / (100% - 20% )
Swipe Amount = 8000 / 0.8
Swipe Amount = 10000
Monthly Payment = 10000 / 36
Monthly Payment = RM 277.78
Contoh 2 (Convert utk plan 3 tahun, fee charge = 20%)
Limit = 10000
Outstanding = 9000
Available = 1000
Settlement Amount = 10000 x (100% - 20%)
Settlement Amount = 10000 x 0.8Settlement Amount = 8000** Settlement Amount hanya 8000 , tidak cukup utk settle semua outstanding iaitu 9000, jadi customer perlu top up atau bayar dulu kad kredit sebanyak 1000 utk convertkan semua limit. Atau customer boleh convertkan hanya sebahagian credit limit.
Monthly Payment = 10000 / 36Monthly Payment = RM 277.78
Contoh 3 (Convert hanya sebahagaian amount. Plan 3 tahun fee, charge 20%)
Limit = 10000
Outstanding = 9000
Available = 1000
Swipe Amount = 100 / 20 x Available
Swipe Amount = 100 / 20 x 1000
Swipe Amount = 5 x 1000
Swipe Amount = 5000
Monthly payment = 5000 / 36
Monthly payment = 138.89
Settlement Amount = 5000 x (100% - 20%)
Settlement Amount = 5000 x 0.8Settlement Amount = 4000** Outstanding 9000 - 4000 = 5000 Outstanding balance selepas convert
** Hanya Amount 5000 telah di tukar kepada ezy payment plan dgn bayaran bulanan 138.89
Statement bulan pertama
Outstanding = 5000 (Outstanding 9000 - Settlement 4000)
epp plan 1/36 = 138.89
Total outstanding = 5138.89
Minimum payment = 256.95
Bayaran = 260
Available balance = 260
Statement bulan kedua
Outstanding = 4878.89
Interest 1.5% = 73.18
epp plan 2/36 = 138.89
Total outstanding = 5090.96
Minimum payment = 254.54
Bayaran = 260
Available balance = 446.82
Statement bulan ketiga
Outstanding = 4830.96
Interest 1.5% = 72.46
epp plan 3/36 = 138.89
Total outstanding = 5042.31
Minimum payment = 252.12
Bayaran = 260
Available balance = 634.36
Statement bulan ke empat
Outstanding = 4782.31
Interest 1.5% = 71.73
epp plan 4/36 = 138.89
Total outstanding = 4992.72
Minimum payment = 249.63
Bayaran = 250
Available balance = 812.63
Statement bulan ke lima
Outstanding = 4742.72
Interest 1.5% = 71.14
epp plan 5/36 = 138.89
Total outstanding = 4952.75
Minimum payment = 247.63
Bayaran = 250
Available balance = 991.49
Statement bulan ke enam
Outstanding = 4702.75
Interest 1.5% = 70.54epp plan 6/36 = 138.89Total outstanding = 4912.18
Minimum payment = 245.60
Bayaran = 250Available balance = 1171.16*** Selepas bulan ke enam, available balance = 1171.16, jadi anda boleh convert sebahagian lagi amount yang tinggal.Limit = 10000
Outstanding = 4662.18 + 4166.66 (epp plan) = 8828.84
Available = 1171.16
** Untuk settlekan outstanding 4662.18 kita akan swipe amount 5827.72.
Swipe Amount = Outstanding / (100% -20%)
Swipe Amount = 4662.18 / 0.8
Swipe Amount = 5827.72
Monthly payment = 5827.72 / 36monthly payment = 162
Statement bulan ke tujuh
Outstanding = 0
Interest 1.5% = 0
epp plan 7/36 = 138.89
epp plan kedua 1/36 = 162
Total outstanding = 300.89
Minimum payment = 50
Bayaran = 300.89
Available balance = 306.51
Statement bulan ke lapan
Outstanding = 0
Interest 1.5% = 0epp plan 8/36 = 138.89epp plan kedua 2/36 = 162
Total outstanding = 300.89
Minimum payment = 50
Bayaran = 300.89
Available balance = 607.40
** Jika anda bayar amount 300.89 setiap bulan. Hutang kad kredit anda akan selesai dalam masa 3 tahun,
Untuk mengetahui jumlah bulanan yang perlu anda bayar selepas membuat 0% Epp, sila hantar maklumat seperti dibawah:
-Jenis Kad Kredit
-Credit Limit
-Outstanding Balance (Jumlah hutang tertunggak)
-Available Balance (Baki kredit yang boleh digunakan)
-Berapa tahun nak buat(1/2/3)
email kan ke zahirkiprawi@yahoo.com @ sms ke 0182759988
Jika anda berada di kawasan KL , Selangor dan sekitarnya, disarankan berjumpa jika hendak tahu epp plan ini lebih lanjut lagi jika masih kurang faham.
BERMINAT !!
SILA SMS / EMAIL
018-2759988
(ZACK)
zahirkiprawi@yahoo.com
