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  #211  
Old 13-08-2012, 01:27 AM
faisal_moukei faisal_moukei is offline
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Originally Posted by imatheonlyone View Post
Islamic tu penyedap ati je hehe
Salaam,...

Penyedap hati didunia je,..
Kang akhirat, menjawap la depan Allah nanti..

yg mencari ilmu
faisal_moukei
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  #212  
Old 13-08-2012, 01:50 AM
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NI SEMUA DARI ISLAM HADHARI DAHULU ..
SEMUA URUSAN NAK DI NAMPAKAN SEBAGAI HALAL
DALAM PERNIAGAAN MANA ADA RUGI..SEMUA MESTI MAU UNTUNG
TIPU LA KALAU KATA TAK AMIK UNTUNG LANGSUNG ...
BILA ISLAMIC..SAMA JER CUMA ISTILAH ARAB DIGUNAKAN....
BAYANG KAN NAK BELI RUMAH PAKAI ISLAMIC BNK ISLAM 7% FIX RATE.
BNK MAKAN RIBA YANG LAIN BAGI 4-5% (BLR LA PULAK)
NI SEMUA AJARAN YAHUDI..AMIK BANYAK2 PAS TU KATA TAKDA APA YANG PATUT DIRISAUKAN MEMANDANGKAN TAKDA PERUBAHAN PADA MASA AKAN DATANG.. SEKIAN
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  #213  
Old 13-08-2012, 01:54 AM
zerovirus zerovirus is online now
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untung banyak depa ni
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  #214  
Old 13-08-2012, 09:20 AM
Abu nawas Abu nawas is offline
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Originally Posted by atankok View Post
Nak tanya tentang PL dari bank islam (Floating rate),
adakah kiraan die sama macam loan ASB,
bayaran interest akan dikira pada baki loan semasa?

kalau fixed rate, interest dikira sepanjang tenure loan.
kalau floating rate, interest dikira berdasarkan baki loan semasa seperti housing loan and ASB loan..betul ke?
rasanya kenyataan tuan dah betul...

floating rate..kiraan interest berdasarkan baki loan semasa..
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  #215  
Old 13-08-2012, 09:27 AM
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maaf kalau silap...
bukan ke dalam Islam,sesuatu pinjaman kalau bayaran balik melebihi pinjaman tersebut akan dikira riba'?...sila betulkan jika salah....
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  #216  
Old 13-08-2012, 09:33 AM
bluedream2010 bluedream2010 is offline
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bank mana paling murah sekarang ni?
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  #217  
Old 13-08-2012, 09:37 AM
Abu nawas Abu nawas is offline
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bank mana paling murah sekarang ni?
Agro bank - 3.88% utk 20 tahun
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  #218  
Old 13-08-2012, 10:02 AM
Abu nawas Abu nawas is offline
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ada kawan sorang nak overlap loan bank rakyat ke agro bank sebab rate kat bank rakyat masa dia amik bulan march 2012 hari tu 5.25% setahun utk 20 tahun..sebulan potong angkasa rm598..loan rm70,000

so sekarang dah masuk 6 bulan potong angkasa..6 x rm598 = rm3588

tgk full settlemant - rm70,628..setelah rebet(lebih rm628)

dalam masa 7 bulan ni, bank rayat dah untung rm4,216...

jika loan dari agro bank lulus dan bank rakyat dapat balik modal rm70,000..peratus keuntungan bank rakyat dalam 6 bulan ialah 6.023%

sebulan untung : 1% tu...

kalau kawan saya tunggu sampai 12 bulan..

potongan angkasa : rm598 x 12 = rm7,176

full settlement : rm70,555..selepas rebet (lebih rm555)

dalama masa 12 bulan, bank rakyat dah untung rm7,713

peratus keuntungan dalam 12 bulan ialah 11.044%

sebulan untung : 0.92%....
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  #219  
Old 13-08-2012, 10:11 AM
Hayy Hayy is offline
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Originally Posted by Abu nawas View Post
ada kawan sorang nak overlap loan bank rakyat ke agro bank sebab rate kat bank rakyat masa dia amik bulan march 2012 hari tu 5.25% setahun utk 20 tahun..sebulan potong angkasa rm598..loan rm70,000

so sekarang dah masuk 6 bulan potong angkasa..6 x rm598 = rm3588

tgk full settlemant - rm70,628..setelah rebet(lebih rm628)

dalam masa 7 bulan ni, bank rayat dah untung rm4,216...

jika loan dari agro bank lulus dan bank rakyat dapat balik modal rm70,000..peratus keuntungan bank rakyat dalam 6 bulan ialah 6.023%

sebulan untung : 1% tu...

kalau kawan saya tunggu sampai 12 bulan..

potongan angkasa : rm598 x 12 = rm7,176

full settlement : rm70,555..selepas rebet (lebih rm555)

dalama masa 12 bulan, bank rakyat dah untung rm7,713

peratus keuntungan dalam 12 bulan ialah 11.044%

sebulan untung : 0.92%....
untung interest shja..
sama je mana2 bank..
byr interest dlu bru byr principal..
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  #220  
Old 13-08-2012, 10:25 AM
Abu nawas Abu nawas is offline
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Originally Posted by Hayy View Post
untung interest shja..
sama je mana2 bank..
byr interest dlu bru byr principal..
ya betul...kalau tak nak bayar interest banyak2, buat loan pendek2 sahaja macam 3 tahun..
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