Saturday, October 10, 2009

PENGIRAAN

CONTOH PENGIRAAN

** 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 0.8
Settlement 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 / 36
Monthly 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 0.8
Settlement 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% = 70.54
epp plan 6/36 = 138.89
Total outstanding = 4912.18
Minimum payment = 245.60
Bayaran = 250
Available 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 / 36
monthly 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% = 0
epp plan 8/36 = 138.89
epp 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,

BERMINAT !!
SILA SMS / EMAIL

019-6504310
(Sheha)
nursheha_mie@yahoo.com
E-save marketing = Agen code A1922
SMART Agency = Agen code KL00 0002

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