minta pendapat plzzzz

sweetlips · Post time 23-9-2011 01:19 PM

Post Last Edit by sweetlips at 23-9-2011 13:21

bila kite buat loan kete (used car) interest yang dikenakan oleh bank tu based pada jumlah pinjaman kan..
pastu insurance yang bank byar tu dikenakan interest gak ke ye...? konpius bila tgk schedule payment.
ada member yg kate, insurance tu x kena interest.. table dia cam ni ->

7 tahun (84 bulan)

cash price of goods                         : rm 33 854.50
deposit                                           : rm 5 500.00
------------------------------------------------------------
cash price less deposit                      : rm 28 354.50
takaful insurance for 1st 12 months : rm 1 145.50
total of items including insurance       : rm 29 500.00 -> jumlah loan

fixed rate(interest)
term charges : total amount at 4.0% per annum    :  rm 8 260.00

**
kalau ikut pengiraan, interest tu based pada rm 29 500 (including insurance)..

mmg cam tu ke ye??

tulun2..sape yg leh jelas kan..

dualchicks · Post time 23-9-2011 03:05 PM

ngko amik full loan ke..keta apa nih?

sweetlips · Post time 23-9-2011 03:17 PM

haaa full loan... waja 2005

H4dRi · Post time 23-9-2011 04:34 PM

Post Last Edit by H4dRi at 23-9-2011 16:45

ko amik loan bulan2 bayar rm 449.52 ek, aa mmng loan tu skali ngan insuran, kalo kira2 smula, kalo duit insuran tu baya guna duit deposit tu pun sme juga byaran, unless kalo ko bayar duit insuran tu scra cash

Fast-N-Furious · Post time 23-9-2011 04:41 PM

kalau ko amik full loan on the road, camtu lar.. sesuai utk orang yg tak berapa ader cash in hand..

lain lar ko amik loan, just utk kete, tapi ko kena kuar duit cash utk insurance, upah runner.. etc

bagi haku, lebih kurang jer.. tara hal.. loan amount pong kecik, takde effect sangat

Fast-N-Furious · Post time 23-9-2011 04:43 PM

ko amik loan bulan2 bayar rm 449.52 ek, aa mmng loan tu skali ngan insuran,
H4dRi Post at 23-9-2011 16:34

haku rasa, harga yg dealer jual, bukan harga on the road. tu yg kena tambah.. kalau tolak deposit, dealer kete plak yg rugi. Lain lar kalau beli kete baru, price dier memang on the road punya price. kalau used car, tak pernah lagi haku dengar harga kete siap on the road.

Fast-N-Furious · Post time 23-9-2011 04:48 PM

heheh.. H4dRi kantoi bagi info salah..

sweetlips · Post time 23-9-2011 04:52 PM

ko amik loan bulan2 bayar rm 449.52 ek, aa mmng loan tu skali ngan insuran, kalo kira2 smula, kalo d ...
H4dRi Post at 23-9-2011 16:34

ha ah..betul lah tu ansuran bulan segitu.. tapi bukan ke insurans tu untuk 1st year je bank yg bayo.. thn2 berikut, cust sendiri yg bayo kan.. dan nilai insuran tu makin berkurang..

sweetlips · Post time 23-9-2011 04:58 PM

haku rasa, harga yg dealer jual, bukan harga on the road. tu yg kena tambah.. kalau tolak ...
Fast-N-Furious Post at 23-9-2011 16:43

yep.. bukan on the road..kalau on the road kena tambah lagi 2600 (utk insurance, roadtax, tkr nama, etc)
cuma yg konfius pengiraan interest bank je.. nape termasuk ngn insurance ek.. kalau interest tu untuk thn pertama termasuk ngan insurans tu ok lah.. ni smpi 7 thn.. nape x berdasarkan pada nilai tanpa insurans? {:1_146:}

H4dRi · Post time 23-9-2011 05:01 PM

Reply 8# sweetlips

mngkin konsep pemahaman ko lain, ekceli kalo insuran tu, mse ko amik kete ko bwat sndiri, xpelu msukkan dlm loan pun xpe, scond year insurance mmng kna bwat sndiri pun, bwat kt myeg contohnya, kalo dlm tmpoh sthun ni ko xde claim insuran, next year dpt la diskaun utk byaran premium time nk amik insurance nnti.

jgn bimbang, ko tdk ditipu oleh penjual atau pihak bank

sweetlips · Post time 23-9-2011 05:03 PM

Reply sweetlips

mngkin konsep pemahaman ko lain, ekceli kalo insuran tu, mse ko amik kete ko bw ...
H4dRi Post at 23-9-2011 17:01

ok2..dpt tangkap dah...heheheh...
baru 1st time wat loan ni.. tu yg konpius... tqvm

H4dRi · Post time 23-9-2011 05:05 PM

Reply 7# Fast-N-Furious

sbb gopoh sgt nk up kan kredit

dualchicks · Post time 23-9-2011 11:16 PM

muahaha aku pun nak kutip jugak +1

dragger · Post time 24-9-2011 05:22 PM

TT ado insurans kereta lame tak? (kalau ada kereta dahulu) bole la bawak/pindah NCD lame tu ke insuran kereta baru.. lebih jimat lagi insurans anda... =)

zulka · Post time 26-9-2011 09:23 AM

1st time beli kete kot..

Fast-N-Furious · Post time 26-9-2011 10:04 AM

yep.. bukan on the road..kalau on the road kena tambah lagi 2600 (utk insurance, roadtax, tkr na ...
sweetlips Post at 23-9-2011 16:58

memang lar termasuk dalam pengiraan interest bank beb, sebab ko wat full loan on the road, ko beli kete baru pong camtu gak.. adehh... walau pong utk insurance, tapi ko still wat loan utk cover kos insurance ko..