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  #7661  
Old 26-06-2012, 11:22 PM
alphaOne alphaOne is online now
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Quote:
Originally Posted by nsr7777 View Post
klu ank umr 3 thn lbh leh tk d bt lasb...dpt 20 k wat seronok2..ok jgk tu......aka div lasb 35 k byr kn monthly lasb 20 k ni....
lasb x bole la kot sbb xcukup umur nk sign aggreement.. hehe

tp ibu bapa bole la jdkn acc asb anak2 utk letak cash..

bl dorg dh 18thn nnt limit asb dorg dh lebih 200k..

mmg seronok la push lasb nnt
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  #7662  
Old 26-06-2012, 11:50 PM
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baru je sign loan rm170k kat maybank..

tadi tanya officer maybank... dia cakap 1 nama boleh apply loan lebih daripada 1 sijil..

maksudnya kalo nak capai 200k sijil dengan modal ciput boleh la kat maybank islamik.. tahun ni apply 50k.. tahun depan 50k.. tahun sekali lagi 50k dan seterusnya 50k..
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  #7663  
Old 26-06-2012, 11:55 PM
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Originally Posted by miehensem View Post
baru je sign loan rm170k kat maybank..

tadi tanya officer maybank... dia cakap 1 nama boleh apply loan lebih daripada 1 sijil..

maksudnya kalo nak capai 200k sijil dengan modal ciput boleh la kat maybank islamik.. tahun ni apply 50k.. tahun depan 50k.. tahun sekali lagi 50k dan seterusnya 50k..
yer.. bt secara berperingkat bg yg xmampu nk serve loan yg besar..

sy sdr pun bermula mcm nie...
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  #7664  
Old 27-06-2012, 01:54 PM
nazri proshopbowler nazri proshopbowler is offline
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alhamdulillah pagi tadi baru buka 2 akaun remaja asb untuk 2 org buah hati. boleh buat tempat parking duit2 lebih kalau ade..hehe. tul x kawan2?,,
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  #7665  
Old 27-06-2012, 03:49 PM
kentzige bruang kentzige bruang is offline
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Ada pengikut post saya bertanya: “ bank apa untuk buat loan asb paling ok?”

Kalau saya ejen bank Maybank sure saya syorkan maybank. Buat dengan saya, dapat komisen. Hehe. Tapi, saya bukan ejen bank, bukan juga wakil PNB. Cuma pelabur biasa yang ingin berkongsi info dan bertukar pendapat dengan tuan puan.

Bagi menjawab soalan rakan tadi, saya personally syorkan loan ASB Islamik Maybank untuk muslim.

Selain itu, pastinya kita lihat pada pakej yg ditawarkan. Tiap bank bersaing untuk rebut pelanggan, dan pakej berubah2. Untuk kepastian, blh tanya sendiri bank officer untuk pakej terbaru.

Please remember, seperti pesan bro reggae82, terdapat ramai bank officer yang tidak cekap tentang selok belok pakej loan ASB, since ada antara mereka cuma tahu jadual pembayaran loan sahaja.

Kriteria utama perlu dilihat:

1.Pakej Islamik atau konvensional - Untuk muslim, wajib halal, Semoga berkat hasil pelaburan kita.
2. Kadar interest - RHB BLR-1.7 (konvensional sahaja), Maybank BLR-1.67 (islamik n konvensional), CIMB BLR-1.65 (konvensional) bergantung kpd amaun loan.
3. Kadar ASBRTA - islamik ~25% lebih rendah dari konvensional
4. Kelonggaran syarat wajib ASBRTA - RHB boleh buat tanpa ASBRTA (ada syarat), Maybank wajib
5. Tempoh proses loan - 2 minggu ke 2 bulan. dokumen lengkap, follow up n presign blh bantu percepat proses.
6. Tempoh proses terminate loan - 2 bulan ke 6 bulan. sila tanya bank officer untuk kepastian.
7. Goodies untuk Loan Application - Payung, T-shirt, planner, notebook. kalendar. ask for it.

Selamat melabur dengan berhemah

Melabur dengan ilmu di dada, optimize potensi kewangan anda


nota: untuk otai2 dan rakan2, pls advise kiranya ada yg perlu saya pinda. tq

Last edited by kentzige bruang; 27-06-2012 at 04:09 PM..
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  #7666  
Old 27-06-2012, 04:20 PM
ayip ayip is offline
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Originally Posted by kentzige bruang View Post


6. Tempoh proses terminate loan - 2 bulan ke 6 bulan. sila tanya bank officer untuk kepastian.
.
Mcm lama sangat tu..termination loan selalunya clear paling lama 1 bulan jer..depand pada bank..

maybank - 3 minggu - 1bulan
cimb - 2 minggu
rhb - 2minggu

tu yang pernah aku buat lar..xtau pada yang lain..
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  #7667  
Old 27-06-2012, 04:34 PM
kentzige bruang kentzige bruang is offline
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Quote:
Originally Posted by ayip View Post
Mcm lama sangat tu..termination loan selalunya clear paling lama 1 bulan jer..depand pada bank..

maybank - 3 minggu - 1bulan
cimb - 2 minggu
rhb - 2minggu

tu yang pernah aku buat lar..xtau pada yang lain..
terus terang cakap, aku blm pernah terminate. tq bro. sure otai gak nih
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  #7668  
Old 28-06-2012, 12:20 AM
K-ril K-ril is offline
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salam. sy dah lama ikuti page nih. banyak ilmu berguna yang sy pelajari. sy baru bekerja. harini LASBI bank rimau sy dah lulus. 30k je. bayar rm180 sebulan.

sy nak tanya otai2 sekalian. okey tak kalau sy buat personal loan untuk bayar LASB 170k. sy kira2 bayaran dalam rm12k untuk setahun.Then dividen sy buat pusing bayar tahun kedua dan seterusnya.
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  #7669  
Old 28-06-2012, 02:13 AM
kentzige bruang kentzige bruang is offline
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Originally Posted by K-ril View Post
salam. sy dah lama ikuti page nih. banyak ilmu berguna yang sy pelajari. sy baru bekerja. harini LASBI bank rimau sy dah lulus. 30k je. bayar rm180 sebulan.

sy nak tanya otai2 sekalian. okey tak kalau sy buat personal loan untuk bayar LASB 170k. sy kira2 bayaran dalam rm12k untuk setahun.Then dividen sy buat pusing bayar tahun kedua dan seterusnya.
bandingkan soalan tu dengan soalan berikut:

okey tak saya nk bawak superbike 180km tak pakai helmet?

jawapannya:

kalau anda super terer n tau anda blh kawal keadaan walau apa situasi yg timbul, ok. teruskan.

nasihat saya, elakkan diri dari personal loan. alpaOne dh citer byk kali pengalaman perit yg masih lagi jd bebanan jiwa raga sampai skang dengan personal loan ni. a bad debt it is. only meant for keadaan yg tersangat mendesak je guna personal loan.

kalau anda mampu buktikan kawalan terhadap kewangan anda dengan loan 30k tahun pertama, sudah pasti anda mampu tambah secara berdikit dikit tahun demi tahun.

selamat melabur dengan berhemah.
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  #7670  
Old 28-06-2012, 02:19 AM
alphaOne alphaOne is online now
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anda kehilangan dividen lebih baik dari anda kehilangan prinsipal..

fikir-fikirkan lah...
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