Deposit vs Investment vs EzyWallet User

Main purpose: Help investor to evaluate the risk and buy price by comparing investment with fix-term deposit. Also added first-home case to help young people buy the home with known finance risks. Features: First-home assessment Start assessment easily by inputing investment, loan and loan interest. Evaluate least sell price for the given year with all the needed factors, including loan interests, rental, deposit rate, etc. Full insight of the least price comparing to fix-term deposit, which explains how the least price calculated. Give annual growth rate of property to achieve the least sell price, which helps user to test the investment risk. Calculate monthly investment/repayment to find out affordability, which considers all the cash gain vs all the costs. Full insight of the investment cashflow and all the costs. Key factors refinement to start new assessment. EMI(Equated Monthly Installment) calculation to estimate the paid interest and principle at specific year Fix-term calculation to show full view of possible capital gain of deposit The formulas for EMI and fix-term deposit are referred from https://www.aubank.in/blogs/monthly-interest-payout-on-fixed-deposit https://www.bankrate.com/mortgages/mortgage-calculator/#calculate-mortgage-payment and tested with the calculators from anz.co.nz

EzyWallet solution offers a convenient & secure option for users to transact at local businesses without needing any form of physical cards/device but simply use their palm of hand for membership check-ins, ID check/verification and making payments or scan a QR code in the EzyWallet user app to check-in or make payment at participating location. The EzyWallet products are: EzyCash: A pay-by-bank solution at retail locations. Users link a bank account in the EzyWallet app and pay with a simple scan of the palm without carrying cash. Low or no transaction fees to businesses like cash payment. EzyCheck-in: A member check-in solution at locations for membership-based businesses. Users save membership cards/numbers of participating businesses in the EzyWallet app, then check-in at locations with a simple scan of their palm without needing a physical membership card or device. EzyID: An ID verification solution where the user saves and verify a valid ID in the EzyWallet app. Then able to show proof of ID at participating locations with a simple scan of the palm without needing the physical ID card.