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Reply #60 kipas_y2k's post
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paham cam ni gak. tapinya, loan sy dah setahun lebih ni, yg sy nampak, interest tu, charge sebulan sekali je. dlm t&c mmg ada ckp pasal 'daily rest' ni. sy rasa, sama kes mcm ajai post#13. da |
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Originally posted by oriole at 6-3-2009 22:13 
Kalau loan korang bukan daily rest/daily compounded pun...korang still bole buat penjimatan. Kalau ada duit lebih, pegi byr kat kaunter, cakap nk byr prinsipal. Kalau bayar kat cash deposit machi ...
oooo..dah paham la saya..patutla dapat statement ada advance payment dekat dua bulan..rupanya saya bayar lebih kat cash deposit machine dia tak kira kurangkan principal....ok..ok...now dah tau nak wat camner......skang kene ubah cara bayar, kene gi kat kaunter ....sebab saya mmg standby bayar lebih utk umah ni sebab nak buat penjimatan tp rupanya cara salah..skang dah paham...thank you to oriole sebab explain....... |
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Originally posted by kombat at 7-3-2009 02:13
paham cam ni gak. tapinya, loan sy dah setahun lebih ni, yg sy nampak, interest tu, charge sebulan sekali je. dlm t&c mmg ada ckp pasal 'daily rest' ni. sy rasa, sama kes mcm ajai post#13. da
kombat, awak punye kes cam saya kot...so buat cara yang cam oriole bagitau la kot....kalau silap harap ada yang betulkan...... |
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Reply #41 kipas_y2k's post
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hmmm dalam loan bank yang dibagiktau....hmm bank mana yang paling best dari kesemua bank yang tak direjek macam cimb dan mbb...?? |
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Reply #43 Juju's post
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oic...means extra payment ekk kak juju...dalam setahun bayar ler 24 kali....ermmm payment awal sebelum 15 hb dan hujung sebelum 30 hb ekk...?? |
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hmm nie kalau buat ngan bank kan...kalau gomen mesti tak boleh kaedah macam nie kan....?? |
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klo jenis loan yg by monlty memang x bleh kurang ker??? |
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kalau homeloan islamic bank islam this method leh guna gak ke? |
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Balas #62 ajai\ catat
macam bank loan agreement saya pulak, ada nyatakan jika nak buat extra payment, perlu dlm gandaan 1k. hmm kalu tak silap, perlu buat permohonan bertulis utk bayar extra bg deduct principal.
saya rasa depends on bank officer yg uruskan kita, ada yg mmg betul2 ikut rules, ada yg cukup sekadar e-mel jer cukup utk inform kita nak deduct principal. |
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Balas #68 adnil\ catat
harap ader yg leh jwb.sy pun guna bank muamalat islamic loan..
leh gunapakai ke method niee??
sori yer..x braper reti term loan2 nie..tau pinjam n baya jer |
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Reply #61 kombat's post
nie mesti kes amik daily rate montly compaund...
lain kali tanya leh bayar 2 kali sebulan tak? |
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Reply #64 iena_kindaichi's post
tgk amaunt loan gak...
kalau bawah 100k hsbc
atas 100k.. 1st public.. ambank.. ocbc.. hsbc |
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Reply #71 kipas_y2k's post
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even sy byr 2 kali sebulan pun, tak effect apa-apa pun kan? since dia dah chg interest tu hujung bulan sahaja. betul tak? tu yg sy confused apa maksud 'daily rest'. |
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Reply #63 ajai's post
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ingat nak tny balik la officer dia. blh ke byr lebih. |
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Originally posted by adnil at 8-3-2009 22:59
kalau homeloan islamic bank islam this method leh guna gak ke?
rasa tak apply - yg apply variable rate - & daily rate - so kena refinance le rumah tu  |
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kalau x bayo 2 x sebulan tp bayo amount yg lebih dr yg ditetapkan..ada efffect tak? |
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nak tumpang tanya.... saya tak berpeluang nak beli rumah lagi..... kalau compare loan yg daily rate/base ni ngan loan kerajaan..... mana yang lebih untung or save...... kalau kerajaan kalau tak silap 4% n tak buleh bayar advance/banyak (betul ke) tapi kalau daily rate ni nampak pulak macam untung kalau bayar banyak tiap bulan......
Dok pikir kalau nak amik loan 10/15 tahun macam risiko tinggi..... bolehtak kalau amik loan 30 thn /25 thn in first place, supaya selamat tapi bayar macam loan 10/15 tahun.... hehhe... maaf la kalau soalan saya ni teruk sangat... harap ada yg sudi komen..... |
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alahai,baru jer refinance rumah last year, kena tunggu lah lagi gamaknyer... leh kurangkan guna epf jer lah .. |
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Originally posted by Mas916 at 13-3-2009 19:44 
kalau x bayo 2 x sebulan tp bayo amount yg lebih dr yg ditetapkan..ada efffect tak?
ada effect, klu loan jenis daily rest. klu dah mampu byr lebih sekali sebulan kenapa taknak pecahkan bayaran tu jadi 2x sebulan? lagi cepat loan habis. as long as loan tu jenis daily rest daily compounded. |
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Reply #79 tobby's post
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islamic loan ada ka daily rest? aku wat nagn bank islam. |
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Category: Belia & Informasi
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Post time 7-3-2009 02:13 AM
