OVERLAP AR RAHNU

Membuat Overlap/Offset diatas kenaikan harga emas

Duit lebihan overlap/offset = Nilai Pinjaman baru - (Nilai pinjaman lama + upah simpan lama)

Contoh Harga Emas (Suatu tarikh dalam Bulan November 2010)

Purity/Rate	Harga/Gram
999.9	RM166.00
916	RM157.00

Dengan mengambil contoh;

Nilai Pinjaman Lama bagi 1 Dinar (3 unit) = RM1215.58, Upah simpanan = RM13.02

Nilai Pinjaman Lama bagi 20gram Gold Bar = RM2044.00, Upah simpanan = RM21.90

Pengiraan:

1 Dinar (4.25g) (Purity/Rate=916)

Nilai Marhun: 4.25g x 3unit x RM157.00 = RM2001.75

Pinjaman : 70% x RM2001.75 = RM1401.22

Upah Simpan: (RM2001.75/RM100) x RM0.75 = RM15.01

20gram gold bar (Purity/Rate=999.9)

Nilai Marhun: 20g x RM166.00 = RM3320.00

Pinjaman : 70% x RM3320.00 = RM2324.00

Upah Simpan: (RM3320.00/RM100) x RM0.75 = RM24.90

Duit lebihan overlap/offset = Nilai Pinjaman baru - (Nilai pinjaman lama + upah simpan lama)

= (RM1401.22 + RM2324.00) – ((3259.58 + (RM34.92 x 3bulan))

= RM3725.22 – RM3364.34

= RM360.88