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148# ReLyZa
perkara ni dh byk dibincangkan dan di ajar di forum2 sebelah
rajinkan membaca
kemudian nilaikan sendiri
rasa elok buat rasa x elok jgn buat
tp jgn ikut kata org
psl ni adalah penentu bg diri sendiri
risiko sendiri untung pon sendiri2.. hehe |
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149# SaL1980
leh cari cikgu ahmad, cikgu tarmizi, dan lain2 d forum2 sebelah
aku ni belum tahap cikgu lg... hehe
diaorg akan ajar apa itu OD=buah masam2 manis
hehe |
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150# narif
bayar duit uma guna OD
uma sendiri or sewa? hehe
kalau bayar utk rumah sendiri tu adalah perkara yg bagus
kerana OD ni daily rest interest
bayar CC, kereta, astro, streamyx
bayar dgn hampir dateline sesuatu loan/service
guna cek
dapat gaji, bonus, sewa rumah, side income dan lain2 income sume masuk akaun OD
nk blanjer barang dapur.. keluarkan bile nk shoping jer
dari sini kita dah disiplin kan diri utk beli brg bile perlu sahaja |
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150# narif
bayar duit uma guna OD
uma sendiri or sewa? hehe
kalau bayar utk rumah sendiri tu adalah perkara yg bagus
kerana OD ni daily rest interest
bayar CC, kereta, astro, streamyx
baya ...
bling2 Post at 28-3-2010 07:54 PM 
rumah sendiri, tapi tu la, mana lagi rendah ek? tak sabar pulak nak belajar time balik msia nanti 
narif rumah je la yg skang tanggungan, yg lelain alhamdulillah takde. |
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154# narif
xpaham maksud mana yg lebih rendah |
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154# narif
xpaham maksud mana yg lebih rendah
bling2 Post at 29-3-2010 12:57 AM 
interest rate dia...
loan rumah narif flexible loan. so tu yg nak tau, kalau amik duit OD, pastu letak sedepuk kat rumah, bayar bulan2 kat OD tu berbaloi ke?
interest rate OD ngan interest rate rumah, mana lagi rendah? |
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rate OD
latest
BLR-1% / BLR-0% = RHB
BLR-1.65% = CIMB
BLR - 0% = Maybank Islamic
sume daily rest
yg loan rumah narif tu flexible mcm mane?
leh kuar masuk kat loan rumah tu?
BLR - brape?
daily rest daily compounded?
daily rest monthly compounded?
monthly rest monthly compounded?
cadangan nk sedebuk dump dlm loan rumah tu agak tidak praktikal
jika loan rumah tu monthly rest monthly compounded
bende ni sume ikut financial masing2
lain padang lain belalang. hehe |
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157# bling2
bling2,
nak tanya pendapat u, saya punya OD blr-2%..
dan loan rumah cimb islamic bfr-1.85% for the whole tenure,monthly reducing balance..
ok ke kalau saya plan reduce loan rumah guna duit OD, coz saya tanya bank kalau let say kalau saya bayar 10K, 10K tu akan tolak principal...kira cepat gak la habis loan rumah kalau cam gini, tul tak??? |
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rate OD
latest
BLR-1% / BLR-0% = RHB
BLR-1.65% = CIMB
BLR - 0% = Maybank Islamic
sume daily rest
yg loan rumah narif tu flexible mcm mane?
leh kuar masuk kat loan rumah tu?
BLR - brape?
d ...
bling2 Post at 29-3-2010 06:57 PM
hehehe... tak perasan la pulak. nanti hujung apr narif update  |
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dah tnye maybank....OD vs ASB cert dia cuma leh bg 90% dari nilai sijil....interest BLR (5.80%) - 0%....minimum sijil kene nilai rm12k baru leh dpt OD bnilai rm10,800....dia suh bwk doc spt ic, income tax, epf statement dll.....tp sy juz tnye je le dulu kan....bank lain latest interest yg plg rendah ek? yg kurg dr 5.80% tu.....selalunye bila call cust services dorg suh dtg tnye terus kat mane2 branch tdekat.... |
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rate OD
latest
BLR-1% / BLR-0% = RHB
BLR-1.65% = CIMB
BLR - 0% = Maybank Islamic
sume daily rest
yg loan rumah narif tu flexible mcm mane?
leh kuar masuk kat loan rumah tu?
BLR - brape?
d ...
bling2 Post at 30-3-2010 08:57
according to the above, means CIMB la plg rendah interest OD ni kan? BLR-1.65% or 5.80%-1.65% = 4.15%
betul ke cmtu ek? |
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bling2
bling2,
nak tanya pendapat u, saya punya OD blr-2%..
dan loan rumah cimb islamic bf ...
yus262 Post at 30-3-2010 18:09
yus, blh gak..
tp pastikan cepat2 penuhkan balik OD tu..
untung la dpt -2%..
ni last year nye promosi kan...
cimb
tp loan rumah tu u still kn bayar bulan2 psl rekod kat ccris di update tiap2 bulan
jgn u dah dump 10k pastu u x bayar 6 bln..
kn lelong la uma u nnt.. huhu |
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according to the above, means CIMB la plg rendah interest OD ni kan? BLR-1.65% or 5.80%-1.65% = ...
220796 Post at 15-4-2010 22:10
yup betul
pernah satu ketika cimb offer BLR-2%
tp yg mebeng tu pilihan kpd mereka yg nk amik islamic...
so, pasti kan duit OD tu u buat investment yg leh bg lg tinggi pulangan daripada interest OD tersebut..
barulah berbaloi-baloi.. hehe |
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Reply 160# 220796
oo..maybank sudah tukar ye..last year gi tanya maybank bagi blr-1% and 90% of the cert..
so, latest cimb la the best coz leh bagi blr-1.65% with 90% of the cert
rhb pulak blr-1% with 95% of the cert |
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Reply 162# bling2
ooh, itu sudah tentu..mesti kene bayar gak tetiap bulan...kiranya kalau buat 10K ambik dari OD buat reduce principal, 8tahun dah habis kot...ekekeke..ni baru nak test slow slow combination OD+Charge Card.. |
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Reply 163# bling2
ya betul...kan best kalau Bank Rakyat bukak share baru... |
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dah tnye maybank....OD vs ASB cert dia cuma leh bg 90% dari nilai sijil....interest BLR (5.80%) - 0% ...
220796 Post at 15-4-2010 22:08
bile tanye ni?
dgr cte mebeng min cert 23k
ada sape leh konfom mn 1 yg betul
12k or 23k? |
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Reply 167# bling2
tah la...ari rabu baru ni sy gi MBB tp staf yg handle OD xde...then smlm dia call...dia yg ckp cmtu....mgkin dia tsilap kot..... |
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Reply 220796
oo..maybank sudah tukar ye..last year gi tanya maybank bagi blr-1% and 90% of the ...
yus262 Post at 16-4-2010 10:14 
psl BLR - 0% tu mmg betul |
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Reply 163# bling2
staf tu ckp bukan islamic OD...tp conventional.... |
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Category: Belia & Informasi
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Post time 29-3-2010 09:47 AM
