Cara simpan duit deposit rmh 200k dlm masa 3tahun

https://semakanonline.com/cara-simpan-duit-deposit-rumah/

Loan calculator:
Asbf-185k
Interest rate-5.05%
Loan term-30years
Monthly payment-998.78
Annual payment-998.78×12=11985.36

Compound interest:
Principal amount-185k
Month-36(3years)
Purata dividen setahun-7%
Dividen-41632
Balance amortization-176458.67
Surrender value-185k-176458.67=8542

Simpan 3 tahun:
Asbf dapat-8542(surrender value)+41632(dividen)=50174
Asb dapat-998.78×36=36k
Beza-14k