PENGALAMAN TURUN NAIK BANK UTK WAT LOAN - ATAU MANA2 AGENSI KEWANGAN

hazel23

Reply 174# cinderella


    1. surat aku sumpah tu hanya produce bila loan u approve, aftter u sign offer letter, they will give u a copy of surat akuan sumpah yg mengesahkan u bukan nya bankrap, ... u bawak surat tu, sign depan pesuruhjaya sumpah, bayar $4/- .. dah. tak susah pun.

2. surat perjanjian sewa tu, kalau u jenis SOHO (office kat rumah), kalau u sewa rumah, mesti ada agreemnet letter kan, kalau rumah u sendiri, provide jer s&p.

yg item 2, kalau u ada benda tersirat.. cakap jer kat pegawai mara tu... they will find ways to help u... or advice u, or abaikan dokumen tu... dengan alasan yg bernas utk diberikan kpd KP mereka.

hazel23

Reply 179# noraidil_06


    officer MARA ni, asal u produce document dah - sebab itu hanya procedure, kalau document tu u tak dapat produce, u cakap jer kat dorang, citer yg sebetulnya... sebab they all dah masak dengan masalah2 orang melayu kita, kalau kita jujur (walaupun kebenaran itu amat pahit), dorang akan find ways n ask u to produce supporting documen.

dana memang dah beku pun, MARA masih find ways to help us.. whats more can i say

dana yg disalurkan kat agencies2 bawah SMIDEC pulak... macam amalkan kapitalisma... yg kaya makin senang, yg susah makin susah, (walaupun yg kaya bisnes menipu, terang2 keluar suratkhabar involve rasuah, company tak der lesen, baru ditubuhkan semalam ect ect ect) dan yg susah bisnes jalan yg betul...

teringat ustaz ada cakap, bila harta negara tidak disalurkan dengan betul, maka ekonomi negara itu sendiri akan terjejas...

noraidil_06

hazel, i punye grant dr SME Corp more or like mcm azab sgt nk dpt (grant dh lama approve).we send the same documents over n over again.in the end, u dpt rm1k.bersyukur mmg la bersyukur.tp panas hati tk kalau u kena hantar dokumen yg sama berkali2. i baru dpt grant tu dlm 2k.the process dh nk masuk 2 thn.

the officer is helpful tho.tp they cant do much...

hazel23

Reply 183# noraidil_06


I submitted to sme june hari tu, tapi terus kena reject, sebab audit report i loss last year. officer tu very helpful, but again its nor her decision, its mgmt, so she adviced me  to increase paid up capital - nampak sikit commitment from owner...

i had increase my paid up capital, tunggu new audit report siap, form 24 pun dah lodged, sbb this year ada positif, and will re send again.

hu hu hu, my od with mayban.. pagi tadi officer calld, his mgmt reject sebab cris tak cantik... (mcm dah cliche alasan bank kan).. i m ok with it (after all i go tru with cgc and sme... macam dah kisah dgn all this rejection).. at least i tried... rasa nak tutup account dgn mayban dan bukak kat bank lain.

nasib baik mara ada.. pengubat sedey.. takpelah... will rolling back 6 mths, next year, insyaallah - resubmit balik - yelah - believe Allah nak kasi i benda lebih baik dari ni sumer

cinderella

many thanks to hazel n noraidil...
will try to re-approach Mara again...

now my OD dkt RHB dh makin menyusut, new project will be coming in takut x leh nak cover paid up capital....

definitely will update you the outcome...

anne_kronix

alhamdullilah..berkat hari jumaat..
dapat berita application dh approve..
next week boleh datang untuk sign agreement..

cinderella

alhamdullilah..berkat hari jumaat..
dapat berita application dh approve..
next week boleh datang u ...
anne_kronix Post at 29-10-2010 14:30

which bank anne ?

cinderella

2 hari lepas baru dapat surat PUNB yg mengatakan my application dalam penelitian....harap2 sangat dapat....

MBB pula ada offer loan 100k tp masih mengharap pada PUNB...doa2 kan yer..

ctredzuan

loan apa yg akak2 ni apply, boleh share? kalau yg takda kedai grand2 boleh apply ke utk expand business, cthnya ct dpt tender seragam besar tp ber LO, kos modal dalam 200k, duit simpan ada dalam rm60k je.. boleh apply ke dgn bank?

hazel23

Reply 189# ctredzuan
pergi bawak lo awak tu, bawak pegi MARA, tanya apa yg dorang boleh tolong awak?

cinderella

loan apa yg akak2 ni apply, boleh share? kalau yg takda kedai grand2 boleh apply ke utk expand busin ...
ctredzuan Post at 5-11-2010 17:49

CT,

If LO gomen senang nak liquidate. If PLC, you need to ensure you have enough capital.
Normally PLC akak suka thru main con instead of me act as a main con coz due to capital n macam2 permintaan from them.
Sub-con you just bagi apa yang main con nak n duit terus masuk....

X perlu ada kedai grand pun xper janji your comp account catik dah, bank boleh help...cuma int rate tinggi  berbanding MARA..

anne_kronix

Reply 187# cinderella

anne buat dengan bsn..

chupachups

kalo dpt tender mara...nak apply loan buat tambah capital katne yek? bank mane yg ok? xkan nak gi mara kan...

cinderella

alhamdulillah, tadi PUNB call srh datang interview this Friday after they review my proposal.

hazel23

Reply 193# chupachups


    i tak nampak apa yg tak bole. yg awardkan tender tu bhgn lain. yg akan proses loan u tu pulak bhgn lain. yg issue payment utk tender u bhgn lain, dari akaun lain tak sama dengan yg issue cheque utk loan u, dari akaun lain.. no harm trying.

hazel23

tendang thread ni ke depan.. hopefully its benefit other readers.

Iman_Baby

tendang thread ni ke depan.. hopefully its benefit other readers.
hazel23 Post at 5-4-2011 10:56

   

Kak hazel,

tendang kak.. jgn tak tendang...
jom kak.. jumpa.. minum2.. makan2... ajak elle sekali.. lama tak jumpa kan..

hazel23

Kak hazel,

tendang kak.. jgn tak tendang...
jom kak.. jumpa.. minum2.. makan2... a ...
Iman_Baby Post at 26-4-2011 22:25

jom.... minggu ni pack la yang! next week lah.. u arrange date, time & place... khamis tak leh...

zaidi_MZZ

yang hiven buat tu, ari isnin 02/05/2011, kak hazel, iman dan elle, tak join ke...

jom le...

hazel23

yang hiven buat tu, ari isnin 02/05/2011, kak hazel, iman dan elle, tak join ke...

jom le...
zaidi_MZZ Post at 27-4-2011 12:13

hishhh... kita bincang2 nak jumpa kat sini pun, dia baca jugak...