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

noraidil_06

today i got meeting with CEO ... dapat funder and loan from theri grop sendiri...
semoga dipermu ...
elle_gogo Post at 18-8-2010 09:11

pray for u

sinar_inspirasi

standard chartered pun bagi... alhamdulillah

cinderella

siapa tahu, once approved MARA disbursed money sekaligus atau phase by phase yer ?

thanks.

noraidil_06

siapa tahu, once approved MARA disbursed money sekaligus atau phase by phase yer ?

thanks.
cinderella Post at 18-8-2010 16:25

kalau bisnes loan dia bg sedebuk

cinderella

got the cheque from MARA.Alhamdullilah
noraidil_06 Post at 12-8-2010 13:37

tahniah....
skrang nie nak propose my RP ke MARA, PUNB n CGC plak.
agak2 tau x brp lama CGC n PUNB process ?

bebetul tertekan nak modal nie, modal yang ada backup utk yang sangkut tengah laut

cinderella

kalau bisnes loan dia bg sedebuk
noraidil_06 Post at 19-8-2010 08:56

owh coz yesterday saya call MARA caw Anggerik Mall, dia kata direct to supplier.
the problem is my supplier semua kat China...cemana plak citer...

Alt-F4

cerita pasai od ngan cgc ni.. teringat zaman muda2 dulu time aku nak apply cgc thru maybank.. ( la ni pun muda laie ).. hehe

terkini.. officer maybank advice suh cabut keluar od dari cgc dan menten pusing dgn fd yg sedia ada.. sebab aku punya od dah clear pada paras fd.. tp disebabkan dlm contract cgc.. so aku kena charge monthly lg.. so utk elak monthly charge.. aku terminate cgc aku.. then skang ni aku sambung ngan maybank..

tp sebelum tu.. officer maybank tu tadak ribut atau angin call aku nak tanya samada nak renew to new limit or nak menten limit skang ni.. kalo ikut aku.. nak renew limit.. so dpt la balik rm50-60k... tp pikir dlm2.. aku tak perlu semua tu.. sebab dah okey.. semua business running smooth je..

tp bulan posa ni.. tenat gak la.. sebab sale below my expectation.. expect sehari dlm rm700-rm800 aje.. tp turun smpai rm300.00 sehari.. walhal cek berderet2 sepanjang posa..  ribu riban pulak tu.. peh..

ni aku dok bertahan.. so smpai time dpt gaji.. doa byk2 kat allah supaya naik balik sale kedai aku..

tp selalunya mmg mcm tu pun..  duit motor aku pun tak bayar lagi ni.. hehe

cinderella

cerita pasai od ngan cgc ni.. teringat zaman muda2 dulu time aku nak apply cgc thru maybank.. ( la n ...
Alt-F4 Post at 20-8-2010 02:36

xper, itu ler adat berniaga....
kadang2 below expect...kadang2 walla....

semalam pi MARA Shah Alam, depa kata dana belum kluar...
uiks, padahal aku baru jer ckp ngan somebody yg in-chrge kata apply jer skrang, senang luklus klu RP n rekod cantek...

Alt-F4

tp pegawai mara kat daerah aku mmg betul2 aku respect dan puji la.. betul2 nak jaga usahawan.. kalo mcm kita ada masalah pembayaran.. kita boleh bincang ngan depa camna nak bayar..

dan depa pun layan peminjam mcm org yg dihormati.. dan aku sgt2 senang hati berurusan dengan mara daerah aku.

sinar_inspirasi

aku belum berurusan lagi dengan MARA..

hazel23

those yg dah dapat loan MARA - akak nak pesan - jaga loan baik2, macam mana susah pun, jangan lewat bayar installment - sebab lepas tu mintak 2nd time ... memanglah senang...

kalau tak bayar, pegawai tu nanti kena marah dgn bos dia... senang citer - u jaga pegawai tu, next application, pegawai tu akan jaga u jugak..

cinderella

those yg dah dapat loan MARA - akak nak pesan - jaga loan baik2, macam mana susah pun, jangan lewat  ...
hazel23 Post at 21-8-2010 08:58

kesimpulannya kena deal dgn satu pegawai MARA n jaga baik2...
okeh....nak cuba dan cuba lagi....
kali nie pi MARA lain plak..

agak2 klu kedai kita di KL, boleh x submit app di daerah lain ?

hazel23

nak tanya... kita ada submit kat few bank..

tadi satu bank tu interview.. oklah.. macam memberansangkan.. branch mgr tu kata nak balik buat proposal 2 facilities - dan up kan amount... cuma dia tanya soalan ni

"ada tak htr application ni kat mana2 bank?"

apakah jawapan yg terbaik sebab

cinderella

nak tanya... kita ada submit kat few bank..

tadi satu bank tu interview.. oklah.. macam memberan ...
hazel23 Post at 1-9-2010 12:32

kena inf yg bebetul gak coz bank nie dia boleh cek online...if ada application yg tgh process or tak..

hazel23

Alhamdullilah - my CGC finally approved.

noraidil_06

Alhamdullilah - my CGC finally approved.
hazel23 Post at 2-9-2010 11:01

    Alhamdullilah.good for you.maksudnye, ur ccris n all doesnt affect your application la ek

amirul_nazri

nak tanya... kita ada submit kat few bank..

tadi satu bank tu interview.. oklah.. macam memberan ...
hazel23 Post at 1-9-2010 12:32

jawab "ADA"..officer tue akan cuak sbb bank skang berlumba2 nak bizness..so, kalau diorg tau ada competition dr bank lain (since kamu ckp "Ada"),maka akan ada space utk tawar menawar rate interest supaya offer diorg stay at most competetive

hazel23

Reply 136# noraidil_06

1. i wrote a letter to the highest mgmt - quoted all they wrote in their website how they so called "understand", "wanted to help" ect ect ect... now, they have my application and this is the time to carry their vision and mission...and i suggest they stated clearly that ALL USAHAWAN BUMIPUTERA YANG ADA CCRIS WALAUPUN 1 BULAN TIDAK LAYAK MEMOHON -  

2. i was ask to appeal - n thy wanted to see how the ccris ect tak effect the repayment - so i get all bankers involve to write a confirmation letter yg the account to dah 3 years - ccris tu only happen for year 2009 - that sebelum tu payment all ok - that reason i cannot pay for my personal loan sebab my priority is to run my bisnes.

3. my earlier proposal is 100k, tapi officer tu adjust 250k - so i mtk dia readjust semula 100k.

mmm... lega sikit, skrg dah bole start balik buat mktg, 3-4 mths ago takut jugak, takut dapat job tapi takde capital nak run.

hazel23

Reply 137# amirul_nazri


    oohhh!!! bole tawar menawar yer... sebab in my audit report ada tulis MARA loan - so he offer to give facilities for us to pay all the mara loan, and the bank take over the loan - so repayment buat kat bank.

i GULP!!!! sebab -

1. kalau i reject - takut the whole application tak dapat
2. kalau i accept - rugi - sebab MARA kasi 4% flat revolving 250k, sedangkan bank ikut BLR 6.9% - revolving 100k (masa ni i belum tau lagi cgc approve revolving 100k- 5%)

the bank are offering me 250k o/draft and 100k project financing - tapi o/draft tu nak kena colletoral 1:1.

amirul_nazri

oohhh!!! bole tawar menawar yer... sebab in my audit report ada tulis MARA loan - so he offer to give facilities for us to pay all the mara loan, and the bank take over the loan - so repayment buat kat bank.

i GULP!!!! sebab -

1. kalau i reject - takut the whole application tak dapat
2. kalau i accept - rugi - sebab MARA kasi 4% flat revolving 250k, sedangkan bank ikut BLR 6.9% - revolving 100k (masa ni i belum tau lagi cgc approve revolving 100k- 5%)

the bank are offering me 250k o/draft and 100k project financing - tapi o/draft tu nak kena colletoral 1:1

They won't reject application u becoz they dah admire u now ...probably dr audit report, they tau prospect cam u boleh servis loan dgn baik..tue sbb dtgnya 100K project financing..

bab tawar menawar, reality is BLR tue dah markup sket from their side ...adalah percentage sket tue which i tak dpt reveal di sini detailnya although i bukan dgn bank lagi..i masih terikat dgn BAFIA Act ..cuba u try slow talk dgn officer tue..saiko dia sket