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joyah33 posted on 10-12-2012 09:48 AM 
bila pengumuman dividen n bonus ASB bagi tahun 2012 yg berakhir 31 Disember
21 Dis 2012 ( Jumaat )
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sy nk amek Loan Maybank islamic utk buat max ASB RM200,000. tapi asing2 sijil jadi 100k x 2 bukan buat skeliagus 200k dlm 1 sijl.ok tak?still bole dpt max dividen kan.
dah kira2 kena baya net 1.2k per month.sy ade cash 15k.so sy akan bayar utk 1st year upfront siap2.hujung thun bila dpt dividen akan byr loan utk 2nd year.dan seterusnya camtu lah.so kiranya byr utk 1st year saje.akan dpt untung dari dividen dan profit sampai berternak bnyk2 harapnya mmg plan xusik smpi 25 thn klu boleh.utk long term je,, |
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amik loan asb ni nanti bila kiter nk buat loan rumah, akan diinclude dlm monthly commitment kita tak???? |
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miss_maya posted on 19-12-2012 08:41 AM
amik loan asb ni nanti bila kiter nk buat loan rumah, akan diinclude dlm monthly commitment kita tak ...
yup - include dalam monthly commitment kita. So better beli rumah dulu. Dah lulus loan rumah - baru apply ASB loan 
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cmf_Juju posted on 19-12-2012 12:23 PM
yup - include dalam monthly commitment kita. So better beli rumah dulu. Dah lulus loan rumah - bar ...
ermm ingat nak buat loan another 50k.. since nak refinance umah around july next yar kena hold dulu la jawabnya
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miss_maya posted on 20-12-2012 07:32 AM
ermm ingat nak buat loan another 50k.. since nak refinance umah around july next yar kena hold dul ...
loan ASB yg dah ada sekarang pun boleh effect housing loan. So try le dulu buat refinance rumah tu. Kalau tak lepas, kena terminate ASB loan yg sedia ada, refinance the house - then re-apply ASB loan. ASB loan nie tak tengok lak commitment rumah
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miss_maya posted on 19-12-2012 08:41 AM
amik loan asb ni nanti bila kiter nk buat loan rumah, akan diinclude dlm monthly commitment kita tak ...
i asked my banker frenz....dier cakap it depends on the bank.
if maybank - dier akan treat ur asb loan as ur source of income jugak. katakan u take 200k loan, ur monthly commitment is 1.1k, ur annual dividend assuming at 7% = 14k p.a or 1.2k monthly. so, it will offset ur monthly commitment.
depending on ur salary, this asb loan wont affect bank's calculation shud u want to apply other credit facilities in the future.
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yus262 posted on 30-11-2012 11:32 PM
But, please be careful ya...even bank yg bagi personal loan tu stated that the rate is fixed 4.95% ...
i see....
i got phone call dr HSBC offering personal loan up tp 200k for 4.9% recently, ehhhhhhh tanak deh......like u and other forumers explained....its equivalent to 7%++ rb....oh thanks but no thanks.....
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tuan_wu posted on 10-12-2012 10:48 AM
21 Dis 2012 ( Jumaat )
giler berdebar pengumuman kali ni, harapkan miracle PRU13 ni....
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tina^^ posted on 20-12-2012 03:20 PM
i see....
i got phone call dr HSBC offering personal loan up tp 200k for 4.9% recently, ehhhhhh ...
u kerja gomen ker swasta sampai diorang leh buat telemarketting tu,
tapi 7% per annum why not if you can generate more than that?
Last edited by ikhwanii on 20-12-2012 05:37 PM
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ikhwanii posted on 20-12-2012 05:35 PM
u kerja gomen ker swasta sampai diorang leh buat telemarketting tu,
tapi 7% per annum why not if ...
private...
masa dier called tue, immediately i browse their website and i tanyer kenapa rate yg they publish dgn yg what they've offerred to me are very much different? they said, rate nie utk certain card holder....not open to all....
tp i pk, tayahla...i dont need to loan that much of money. |
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tina^^ posted on 20-12-2012 03:12 PM
i asked my banker frenz....dier cakap it depends on the bank.
if maybank - dier akan treat ur a ...
yup, it was proven in my case, walaupun ada loan asb boleh lepas refinance jugak sebab
my asb loan, rumah, kereta, CC, OD semua dengan Maybank.....
memang cari penyakit ler kalau diorang mintsk terminate dulu.....
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tina^^ posted on 20-12-2012 05:46 PM
private...
masa dier called tue, immediately i browse their website and i tanyer kenapa rate yg ...
ohhh, if that the case u try to check with them can provide you clean OD fasiliti tak for 200K,
kalau ok Wajib ambil ni....term loan tak yah pun takper......
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ikhwanii posted on 20-12-2012 05:46 PM
yup, it was proven in my case, walaupun ada loan asb boleh lepas refinance jugak sebab
my asb loa ...
the best is to make a banker ur best frenz. derang actually ada buffer la boleh offer u better rate, boleh exceed certain level of percentage etc etc. just be friend with them, they can help us la actually on how to go about....so far, so good....i love them! haha
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ikhwanii posted on 20-12-2012 05:49 PM
ohhh, if that the case u try to check with them can provide you clean OD fasiliti tak for 200K,
k ...
i am not well versed dgn OD nie....
can u plis enlighten me?? |
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tina^^ posted on 20-12-2012 05:55 PM
i am not well versed dgn OD nie....
can u plis enlighten me??
nak citer lebih2 kat sini kang off topic lak, hehe,
OverDraft kebiasaannya bercagar sijil asb, hartanah, biz etc tapi since diorang nak sgt kasi u
loan, U boleh demand mintak OD ni.
Kelebihannya kiraan interest adalah daily rest, u just byr interest amount yg. U dah guna sahaja.
So, bila nak pakai duit jer wiyhdraw dan bila dapat gaji or bonus just bayar balik,
so memang jimat giler on interest...... |
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salam all n slm 1 malaysia
nk tumpang lalu...sambil2 nk tanya otai2 sini
tebeliak bijik mata tgk uols punya saving...
saya baru nk belajar menyimpan
utk bajet thn 2013, ada lebihan yg mmg xkn pakai... dlm rm300 di tgn
nk minta pandangan, elok sy simpan sendiri dlm asb atau apply loan asb??
tqqq bg yg sudi mjwb
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capetijo posted on 21-12-2012 06:22 AM
salam all n slm 1 malaysia
nk tumpang lalu...sambil2 nk tanya otai2 sini
tebeliak bijik mata tgk u ...
baik u amik loan asb,
cuba check kat maybank berapa loan untuk 25 tahun U boleh dapat, mungkin dalam rm50K kot....
kalau tak U pasti tak tahu ke mana hilangnya duit rm300 tu nanti bulan2......
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asb dividen 2012 7.75+1.15(bonus)...nape x lajakkan 8 terus...ihihi |
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Category: Belia & Informasi
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Post time 10-12-2012 10:48 AM
