SAMPLE RFF TEMPLATE - SEPT 2025 (1).xlsx

	A	B	C	D	E	F	G	H	I	K	P
1	STEP 1: IMPROVE CASHFLOW	REDUCE MONTHLY COMMITMENT
2		REDUCE MONTHLY COMMITMENT					STEP 2
3		BANKS NAME	FINANCING DETAILS	BEFORE	AFTER	REMARK			CCRIS		STEP 1
4		BANKS NAME	FINANCING DETAILS	BEFORE	AFTER	REMARK			CCRIS
5		BANK RAKYAT	P. FINANCING	1,217	-
6		BANK RAKYAT	P. FINANCING	637
7
8
9
10
11		KOWAMAS	P.FINANCING	400	-
12		PETRONESA	P.FINANCING	200
13		RCE	P.FINANCING		2,290
14
15		TOTAL		2,454	2,290
16		TOTAL MONTHLY SAVED (BEFORE-AFTER)		164
17		TOTAL MONTHLY SAVED (BEFORE-AFTER)		164
18
19	STEP 2: SAVE INTEREST	WAIVE REMAINING INTEREST						STEP 3
20		WAIVE REMAINING INTEREST
21		BANKS NAME	FINANCING DETAILS	BEFORE	AFTER	REMAINING YEARS	REMARK
22		BANKS NAME	FINANCING DETAILS	BEFORE	AFTER	REMAINING YEARS	REMARK
23		BIMB	P. FINANCING	238,032	179,333	9	58,699
24		CIMB	CAR	8,292	3,546	1	4,746
25				0			0
26				0			0
27				0			0
28		MBB	C.CARD	20,340	9,000		11,340
29		AEON	C.CARD	3,478	3,478		0
30		TOTAL		270,142	195,357
31		TOTAL INTEREST SAVED (BEFORE-AFTER)		74,785
32		TOTAL INTEREST SAVED (BEFORE-AFTER)		74,785
33
34	STEP 3: APPLY FINANCING	FINANCING SUMMARY								STEP 4
35		FINANCING SUMMARY
36		BANK NAME	FINANCING AMOUNT	TENURE (YEAR)	INSTALLMENT (RM)	INTEREST/PROFIT RATE (%)	INTEREST/PROFIT CHARGE (RM)	INTEREST/PROFIT CHARGE IF SETTLE IN 5 YEARS(RM)
37		NEW BANK	208,000	10	2,290	3.18%	66,849	48,413
38		FINANCING BREAKDOWN								STEP 5
39		FINANCING BREAKDOWN
40		AMOUNT DEBT TO BE PAYOFF			195,357
41		EMERGENCY/INVESTMENT FUND			10,000
42		BANKS FEE (TAKAFUL & OTHERS)			4,577
43		OTHERS			0
44		TOTAL FINANCING			208,000
45
46		FINANCING INTEREST/PROFT SCHEDULE
47		FINANCING INTEREST/PROFT SCHEDULE
48		FINANCING	INTEREST/PROFIT RATE	TENURE (YEARS)	MONTHLY INSTALLMENT	EXTRA PAYMENT
49		RM208,000	5.82%	10	RM2,290	0
50		Month	Starting Balance	You Paid	Interest	Principal	Ending Balance	Total Interest paid	Remark
51		1	RM208,000.00	RM2,290.41	RM1,008.70	RM1,281.71	RM206,718.29	RM1,008.70
52		2	RM206,718.29	RM2,290.41	RM1,002.48	RM1,287.93	RM205,430.36	RM2,011.18
53		3	RM205,430.36	RM2,290.41	RM996.23	RM1,294.17	RM204,136.19	RM3,007.41
54		4	RM204,136.19	RM2,290.41	RM989.96	RM1,300.45	RM202,835.74	RM3,997.37
55		5	RM202,835.74	RM2,290.41	RM983.65	RM1,306.76	RM201,528.98	RM4,981.02
56		6	RM201,528.98	RM2,290.41	RM977.31	RM1,313.09	RM200,215.89	RM5,958.34
57		7	RM200,215.89	RM2,290.41	RM970.95	RM1,319.46	RM198,896.43	RM6,929.28
58		8	RM198,896.43	RM2,290.41	RM964.55	RM1,325.86	RM197,570.57	RM7,893.83
59		9	RM197,570.57	RM2,290.41	RM958.12	RM1,332.29	RM196,238.28	RM8,851.95
60		10	RM196,238.28	RM2,290.41	RM951.66	RM1,338.75	RM194,899.53	RM9,803.61
61		11	RM194,899.53	RM2,290.41	RM945.17	RM1,345.24	RM193,554.29	RM10,748.77
62		12	RM193,554.29	RM2,290.41	RM938.64	RM1,351.77	RM192,202.53	RM11,687.41
63		13	RM192,202.53	RM2,290.41	RM932.09	RM1,358.32	RM190,844.20	RM12,619.50
64		14	RM190,844.20	RM2,290.41	RM925.50	RM1,364.91	RM189,479.30	RM13,545.00
65		15	RM189,479.30	RM2,290.41	RM918.88	RM1,371.53	RM188,107.77	RM14,463.88
66		16	RM188,107.77	RM2,290.41	RM912.23	RM1,378.18	RM186,729.59	RM15,376.11
67		17	RM186,729.59	RM2,290.41	RM905.55	RM1,384.86	RM185,344.73	RM16,281.65
68		18	RM185,344.73	RM2,290.41	RM898.83	RM1,391.58	RM183,953.15	RM17,180.48
69		19	RM183,953.15	RM2,290.41	RM892.08	RM1,398.33	RM182,554.82	RM18,072.56
70		20	RM182,554.82	RM2,290.41	RM885.30	RM1,405.11	RM181,149.71	RM18,957.86
71		21	RM181,149.71	RM2,290.41	RM878.49	RM1,411.92	RM179,737.79	RM19,836.35
72		22	RM179,737.79	RM2,290.41	RM871.64	RM1,418.77	RM178,319.02	RM20,707.99
73		23	RM178,319.02	RM2,290.41	RM864.76	RM1,425.65	RM176,893.37	RM21,572.74
74		24	RM176,893.37	RM2,290.41	RM857.84	RM1,432.56	RM175,460.81	RM22,430.59
75		25	RM175,460.81	RM2,290.41	RM850.90	RM1,439.51	RM174,021.30	RM23,281.49
76		26	RM174,021.30	RM2,290.41	RM843.92	RM1,446.49	RM172,574.81	RM24,125.40
77		27	RM172,574.81	RM2,290.41	RM836.90	RM1,453.51	RM171,121.30	RM24,962.30
78		28	RM171,121.30	RM2,290.41	RM829.85	RM1,460.55	RM169,660.75	RM25,792.16
79		29	RM169,660.75	RM2,290.41	RM822.77	RM1,467.64	RM168,193.11	RM26,614.93
80		30	RM168,193.11	RM2,290.41	RM815.65	RM1,474.75	RM166,718.36	RM27,430.58
81		31	RM166,718.36	RM2,290.41	RM808.50	RM1,481.91	RM165,236.45	RM28,239.08
82		32	RM165,236.45	RM2,290.41	RM801.31	RM1,489.09	RM163,747.36	RM29,040.39
83		33	RM163,747.36	RM2,290.41	RM794.09	RM1,496.31	RM162,251.04	RM29,834.49
84		34	RM162,251.04	RM2,290.41	RM786.84	RM1,503.57	RM160,747.47	RM30,621.32
85		35	RM160,747.47	RM2,290.41	RM779.54	RM1,510.86	RM159,236.61	RM31,400.87
86		36	RM159,236.61	RM2,290.41	RM772.22	RM1,518.19	RM157,718.42	RM32,173.09
87		37	RM157,718.42	RM2,290.41	RM764.86	RM1,525.55	RM156,192.87	RM32,937.94
88		38	RM156,192.87	RM2,290.41	RM757.46	RM1,532.95	RM154,659.92	RM33,695.40
89		39	RM154,659.92	RM2,290.41	RM750.02	RM1,540.38	RM153,119.53	RM34,445.42
90		40	RM153,119.53	RM2,290.41	RM742.55	RM1,547.85	RM151,571.68	RM35,187.98
91		41	RM151,571.68	RM2,290.41	RM735.05	RM1,555.36	RM150,016.32	RM35,923.02
92		42	RM150,016.32	RM2,290.41	RM727.50	RM1,562.90	RM148,453.42	RM36,650.53
93		43	RM148,453.42	RM2,290.41	RM719.92	RM1,570.48	RM146,882.93	RM37,370.45
94		44	RM146,882.93	RM2,290.41	RM712.31	RM1,578.10	RM145,304.83	RM38,082.76
95		45	RM145,304.83	RM2,290.41	RM704.66	RM1,585.75	RM143,719.08	RM38,787.42
96		46	RM143,719.08	RM2,290.41	RM696.97	RM1,593.44	RM142,125.64	RM39,484.38
97		47	RM142,125.64	RM2,290.41	RM689.24	RM1,601.17	RM140,524.47	RM40,173.62
98		48	RM140,524.47	RM2,290.41	RM681.47	RM1,608.93	RM138,915.54	RM40,855.09
99		49	RM138,915.54	RM2,290.41	RM673.67	RM1,616.74	RM137,298.80	RM41,528.76
100		50	RM137,298.80	RM2,290.41	RM665.83	RM1,624.58	RM135,674.22	RM42,194.59