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115# tobby
Mr Tobby tq byk2 coz sharing very good info. nak minta jasa baik Mr Tobby bg nama Bank yg leh buat pymnt 2 x sebulan . sbb bila sy tnya, diaorg kata daily rest tapi x boleh buat pymnt 2 x sebulan. yang macam ini dipanggil daily rest compounded daily ke?? tq |
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115# tobby
Mr Tobby tq byk2 coz sharing very good info. nak minta jasa baik Mr Tobby bg nama Bank yg leh buat pymnt 2 x sebulan . sbb bila sy tnya, diaorg kata daily rest tapi x boleh buat pymnt ...
mamajutawan Post at 14-4-2010 18:56 
antaranya hsbc & citibank. bukan setakat 2x, 15x pun boleh (byr secara online atau pun through ATM mc), bila2 masa kita ada duit extra hatta sepuluh ringgit. klu cimb, wajib pegi kaunter dia utk buat pbayaran 2x p/month & kena mention betul2 yg payment itu bukan utk advance payment tapi utk mengurangkan baki loan baru derang paham. |
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Post Last Edit by tobby at 14-4-2010 17:35
loan islamik tak boleh buat fortnightly payment. m ...
tobby Post at 14-4-2010 17:33 
yang ni i tau coz dah tanya bank officer tu
in my case if nak bayar lebih, kene pegi bank or buat surat to bgtau yg kita nak bayar lebih
then next payment dia akan recalculate balik berapa kene bayar
ni scb lah
psl rebate pon dia ada mention if buat early settlement tapi i tak tny pulak brp |
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nak tanya pasal cimb-islamic, td sy bukak new thread, sampai hati mod cantas..... kat sini blh tya kot...mod jgn cantas yek...
saya amik loan dgn cimb-i, rmh 300k, akad nya dkt 1M, persoalan saya if saya nak buat refinance/early settlement, dia kira ikut harga rumah semasa ke ikut akad...confius lah,...tolonglah kwn2 yg terror disini jwbkan |
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[Product Info] Home Loan Packages
Post Last Edit by hafizuka at 23-11-2010 11:29
Salam,
Promotion AIA Home Loan 4.99% fixed rate.
We are lowest rate.
Bank loan dah nail BLR 6.30% |
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Reply 1# Dynz
4.99% is the lowest ek? I'm doing with 3.95% Affin Bank.... |
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Reply 2# koken_7
eh sori koken lambat reply, i balik kampung makan durian....hehe. u buat loan tu bila? ada BLR tak? sekarang ni BLR naik lagi dan akan naik lagi. I don't think so u boleh dapat fixed rate cam tu, lain la kalu u staff.
coz AIA bagi 4.99% is fixed rate
no penalty for full seattlement, flexible to settle any time bila ada duit lebih (EPF, saving)
daily interest computation -AIA ni rajin buat kira-kira kot
generated guaranteed cash savings, invesment returns n mortgage protection for financial enjoyment and security - ok tak |
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Reply 3# Dynz
I buat loan to skarang ni...hmm...still not good enough..aku bknnye staff situ.... |
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Reply 4# koken_7
Memang la rendah......fixed rate or base on BLR?
Ada lock in period tak? |
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Reply 5# Dynz
fixed rate..no lock in period... |
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Reply 2# koken_7
3.95% fixed rate? waa....lg rendah dari loan gomen ni.... |
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Reply Dynz
fixed rate..no lock in period...
koken_7 Post at 21-7-2010 19:36
3.95% fixed rate with no lock in period... baik tuuu..
commercial property boleh tak?...
apasal kat website dorang takde tulis pun??.. |
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Reply 8# aarie
betul...br2 ni aku shopping bank for housing loan...and thats what I get...the best setakat ni la yg aku jumpa...i dont expect that either... |
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Reply 7# 220796
Yes indeed...tp umah yang aku beli last year (Januari 2009) even better, dgn maybank is at 3.88%...actually the tactic is easy...and right now is not a good time to buy a house...but i get lucky i guess... |
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ya la koken, if 3.95% fixed rate & no lock in period memang i tak penah dpt. last year i buat re-finance with HSBC pun 5.5% BLR -1.6. just last week terima hsbc love letter BLR increse 6.30%. lagi MRTA pun increase coz of cost of material and whatever dah naik.
But last weeks ada just call Affin, just asking for housing loan, base on BLR 6.30% -1.6 & tak der offer utk fixed rate. |
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Salam,
Promotion AIA Home Loan 4.99% fixed rate.
We are lowest rate.
Bank loan dah nail BLR 6.3 ...
Dynz Post at 16-7-2010 13:53
AIA offer max spai bape thn? pastu rate tue utk rumah bape ribu? |
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Reply 12# lostnfaun
up to 30 tahun
min loan 100k above |
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Reply lostnfaun
up to 30 tahun
min loan 100k above
Dynz Post at 22-7-2010 17:07
klu my mum umo dh 52 bleh bt lg ker? |
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klu my mum umo dh 52 bleh bt lg ker?
lostnfaun Post at 22-7-2010 17:28
umur max utk buat loan is 65
if yr mum 52 thn dia cuma blh buat loan up to 13 thn sahaja. So, monthly installment akan jadi tinggi plus faktor umur MRTA pun ada diiff. jugak. maybe another bank financing ada solution lain.
MRTA just utk cover loan rumah, bila loan semaking kurang so coverage jugak semakin kurang
But if you ambl live insurans, katakan your loan is 300K so, yr life ins coverage is 300K, anything happen kat pembeli so, ins akan bayar kepada bank peminjam berapa lg outstanding amt. plus u still ada pewaris (spouse/child) utk settle lain2 debt. yg u ada. Kat sini disamping u boleh settlekan loan rumah u ada lg cash value. One thing, klau u nak buat early seattlement pun u boleh guna cash value yg u ada.
But MRTA, just bank cover utk loan rumah shj. w/out cash value.
Then yg tak bagusnya MRTA selalunya bank akan masukkan ke dlm loan, kat sini if loan 300K+ 10K MRTA. So yr loan akn jd 310K, plus u ambil loan with BLR, bila BLR increase so yr loan pun akan increse. This just my oponion sajalah if u nak buat loan rumah, banyak benda yg u boleh save. |
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Kalau rumah area outside Klang Valley boleh apply juga ke ?? |
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Category: Belia & Informasi
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Post time 14-4-2010 06:56 PM
