Thursday, December 7, 2017

Three Payment Plan Plus (3PP+)


_ªx †c‡g›U cø¨vb (_ªxwcwc) cøvm
Avcbvi Rxe‡bi my`„p myiÿv wbwðZ K‡i.


Avcbvi cwievi Avcwb I Avcbvi Av‡qi Dci m¤ú~Y© wbf©ikxj| ¯¿x-mšÍvb‡`i wb‡q wbðq Avcbvi GKwU my›`i ¯^cœ Av‡Q| Avcwb †mB ¯^cœ ev¯Íevqb Ki‡Z Pvb, wKš‘ wKfv‡e Ki‡eb Zv ey‡S DV‡Z cvi‡Qb bv| Pviw`‡K `~N©Ubvi Lei GLb cÖwZw`‡bi cwÎKvq cÖavb wk‡ivbvg n‡”Q| GQvovI Av‡Q wewfbœ `~iv‡ivM¨ †ivM-e¨vwa †hgb- K¨vÝvi, nvU© G¨vUvK, ‡÷ªvK, †eªBb wUDgvi BZ¨vw` hvi wPwKrmv LiP I e¨qeûj| GKwU `~N©Ubv ev `~iv‡ivM¨ e¨vwa Avcbvi my›`i ¯^cœ ¸‡jv‡K ZQbQ K‡i w`‡Z cv‡i hw` bv Avcwb GKwU ev¯Íeag©x cwiKíbv MÖnY bv K‡i _v‡Kb|
·         Avcbvi `~:mg‡q/ Avcbvi AeZ©gv‡b Avcbvi cwiev‡ii hv‡Z †Kvb Avw_©K mgm¨v bv nq
·         Avcbvi mšÍv‡bi D”Pwkÿv hv‡Z e¨nZ bv nq
·         `~iv‡ivM¨ wPwKrmvi †ÿ‡Î hv‡Z Avw_©K mgm¨v bv nq, †m Rb¨ Metlife wb‡q G‡m‡Q 3PP (3 Payment Plan) PLUS.
GB cwiK‡íi GKwU Abb¨ ‰ewkó¨ GB †h, †gUjvBd Avcbv‡K AwfwnZ g~‡j¨i 50% †gqv`c~wZ©i A‡bK Av‡MB cÖ`vb K‡i| hv Avcbvi Riæix cÖ‡qvR‡b LiP Ki‡Z cv‡ib, e¨emvq cybtwewb‡qvM Ki‡Z cv‡ib, mšÍv‡bi wkÿv I we‡qi Rb¨ LiP Ki‡Z cv‡ib, m¤úwË µq Ki‡Z cv‡ib I exgvi fwel¨r wcÖwgqvg cÖ`v‡b e¨q Ki‡Z cv‡ib|

 

Avmyb †`wL cwiKíwU wKfv‡e KvR K‡i:
D`vniY: wg. হাদি mv‡n‡ei eqm 3 eQi| wZwb Zvi Rb¨ 18 eQi †gqv‡`  
, 00,000/= UvKvi GKwU 3PP (3 Payment Plan) PLUS cwjwm MÖnY Ki‡eb e‡j wVK K‡i‡Qb| 
Zvn‡j wZwb wK wK myweav cv‡eb Zv wb‡¤œ cÖ`Ë nj:

 ***(((৬ eQi ci 1,৭৫,000/= UvKv (এ্ই টাকা ১২ বছরের জন্য আবার বিনিয়োগ করলে দ্বিগুন লাভ পাবেন।)

 12 eQi ci 1,৭৫,000/= UvKv (এ্ই টাকা ৬ বছরের জন্য আবার বিনিয়োগ করলে দেড়গুন লাভ পাবেন।)
১৮ eQi ci 1৪,00,000/= UvKv (apprx.) †gqv`c~wZ© g~j¨
wcÖwgqvg gvwmK = ৫,০৪২ /=
eqm I cwjwm †gqv‡`i Dci wfwË K‡i wcÖwgqv‡gi UvKv wba©vixZ nq|)))



myweav mg~n: 1) `~N©Ubvi wPwKrmv LiP m‡e©v”P- ১,০৫,000/= UvKv cÖwZ `~N©Ubvi Rb¨|

২) Amy¯’Zv ev `~N©Ubvi Kvi‡Y c½y n‡q †M‡j cwjwm Ibvi GKmv‡_ ৭,00,000/= UvKv cv‡eb| fwel¨r wcÖwgqv‡gi UvKv Avi w`‡Z n‡e bv| wKš‘ cwjwm 18 eQi ch©šÍ ¯^qswµqfv‡e Pj‡e| cwjwm Ibvi -

6 eQi ci 1,৭5,000/= GKmv‡_ cv‡eb|

12 eQi ci 1,৭5,000/= GKmv‡_ cv‡eb|

18 eQi ci 1৪,00,000/= ‡gqv`c~wZ© g~j¨ GKmv‡_ cv‡eb|

4) 25wU gvivZ¡K †iv‡Mi †ÿ‡Î cwjwm Ibvi GKmv‡_ ৫,00,000/= UvKv cv‡eb wPwKrmvi Rb¨|

5) `~N©Ubvi Kvi‡Y cwjwm Ibv‡ii g„Zz¨ n‡j, Zvi bwgbx GKmv‡_ 1৪,00,000/= cv‡eb|

6) cwjwm Ibv‡ii ¯^vfvweK g„Zz¨ n‡j, Zvi bwgbx GKmv‡_ ৭,00,000/= UvKv + RgvK…Z UvKvi Dci AwR©Z †evbvm cv‡eb|
GQvov I `~N©Ubvi Kvi‡Y -

1) Dfq nvZ ev Dfq cv ev Dfq †Pv‡Li `„wókw³ nviv‡j - ৭,00,000/=

2) GK nvZ I GK cv nviv‡j - ৭,00,000/=

3) †h †Kvb GK nvZ ev GK cv Ges GKwU †Pv‡Li `„wókw³ nviv‡j ev Dfq Kv‡bi kÖebkw³ nviv‡j - ৭,00,000/=

4) evKkw³ nviv‡j - ৭,00,000/=
5) †Kvb GK nvZ ev GK cv nviv‡j - ৩,৫0,000/=

6) GKwU †Pv‡Li `„wókw³ nviv‡j - ৩,৫0,000/=

7) e„×v½ywj I ZR©bx KvUv †M‡j - 1,৭৫,000/=


Ab¨vb¨ myweav: 
* Avcbvi wewb‡qvM m¤ú~Y© AvqKi gy³| 
* ‡gUjvBd jvBd KvW©, hv w`‡q Avcwb I Avcbvi cwiev‡ii m`m¨‡`i †gUjvBd wba©vixZ wewfbœ nvmcvZvj I WvqvMbw÷K †m›Uv‡i c¨v_jwRK¨vj I †iwWIjwRK¨vj †Uó G wWmKvD›U myweav cv‡eb| 
* 85% - 90% ch©šÍ †jvb †bIqvi myweav|


* exgv AsK - me©wbb¥ 1,00,000/= n‡Z ïiæ n‡q....  m‡e©v”P 1,00,00,000/= ch©šÍ AwfwnZ g~j¨ n‡Z cv‡i|

* exgv †gqv`: me©wb¤œ 15 eQi, 18 eQi, 21 eQi, 24 eQi|
 
Avcwb 7,00,000/= UvKvi 18 eQ‡ii Rb¨ GKwU cwjwm MÖnb Ki‡j KZ UvKv Rgv w`‡”Qb Avi KZ UvKv jvf cv‡”Qb Zv wb‡¤œ †`Lv‡bv nj:



cÖwZ gv‡m wcÖwgqvg = 5042/= UvKv K‡i cÖ_g

6 eQ‡i Rgv w`‡eb = 3,63,024/=

6 eQi ci Avcwb cv‡eb = 1,75,000/=

evKx _v‡K = 1,88,024/=

Avivi 6 eQ‡i Rgv w`‡eb = 3,63,024/=

Zvn‡j 12 eQ‡i Rgv (1,88,024/= + 3,63,024/=) = 5,51,048/=

Avevi 12 eQi ci Avcwb cv‡eb = 1,75,000/=

evKx _v‡K = 3,76,048

cieZ©x 6 eQ‡i Avcwb Avevi Rgv w`‡eb = 3,63,024/=

A_©vr Avcwb 18 eQ‡i me©‡gvU Rgv w`‡eb (3,76,48/= + 3,63,24/=) = 7,39,072/=

18 eQ‡i Avcwb wiUvb© †ewbwdU cv‡”Qb = (1,75,000 + 1,75,000 + 14,00,00) = 17,50,000/=

Avi.....

39,072/= †ekx Rgv w`‡q cv‡”Qb :

1) `~N©Ubvi wPwKrmv LiP m‡e©v”P- ১,০৫,000/= UvKv cÖwZ `~N©Ubvi Rb¨|

2) Amy¯’Zv ev `~N©Ubvi Kvi‡Y c½y n‡q †M‡j cwjwm Ibvi GKmv‡_ ৭,00,000/= UvKv cv‡eb| fwel¨r wcÖwgqv‡gi UvKv Avi w`‡Z n‡e bv|

3) 25wU gvivZ¡K †iv‡Mi †ÿ‡Î cwjwm Ibvi GKmv‡_ ৫,00,000/= UvKv cv‡eb wPwKrmvi Rb¨|

4) `~N©Ubvi Kvi‡Y cwjwm Ibv‡ii g„Zz¨ n‡j, Zvi bwgbx GKmv‡_ 1৪,00,000/= cv‡eb|

5) cwjwm Ibv‡ii ¯^vfvweK g„Zz¨ n‡j, Zvi bwgbx GKmv‡_ ৭,00,000/= UvKv + RgvK…Z UvKvi Dci AwR©Z †evbvm cv‡eb|



GB myweav Avcwb †Kv_vq I cv‡eb bv|

Zvn‡j ‡f‡e †`Lyb †Zv †Kb, AvRB Ggb GKUv cwjwm MÖnY Ki‡eb bv....???
ZvB ‡`ix bv K‡i AvRB GKwU cwjwm MÖnY KivB eyw×gv‡bi KvR n‡e hv Avcwb I Avcbvi cwiev‡ii Rb¨ Avw_©K myiÿv cÖ`vb Ki‡e|

Avcbv‡`i ïf Kvgbvq -

Swapan Chakraborty
Financial Associate
MetLife Bangladesh, Dhaka
Contact: 01710226220