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  #21  
Old 03-08-2012, 06:12 PM
japoniser japoniser is offline
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Quote:
Originally Posted by Abu nawas View Post
masa bayar tak rasa..tapi bila tgk detail, naik takut jugak....
sebabtu kalau kira kita sendiri takut...realiti skang ni cmne? jgnkan kat apersonal loan je bro...rumah..kereta...perabot...pun sama...then..apa solution?

klu boleh smeua org pun xnk berhutang ye dak...tapi? sebab apa kita berhutang?

bank2 smeuanya buat duit melalui pinjaman kita...kalau sejuta je rakyat malaysia ni buat pinjaman dgn dia rm 100k...sebulan je dh berapa die leh dpt ..berkali2 kali ganda sebenarnya..

even bank islam pun sama jugak..alradji pun cmtu...yg nama2 ala2 islamik...then..sebagai pelanggan..dan penduduk mesia...xmampu buat apa2..kita mampu pikir dan elakkan dari berhutang je..tapi satu tahap..tetap akan berhutang...

sbgi cth..beli rumah...berapa ramai yg mampu beli cash...??? sebabtu bank2 akan sentiasa ada...sebab kita memerlukan bank..dan bank memerlukan kita ye dak...
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  #22  
Old 03-08-2012, 06:14 PM
Abu nawas Abu nawas is online now
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Quote:
Originally Posted by noblegold View Post
memang sistem dunia macam tu ke??? ke kat Mlaysia je formula kiraannya macam tu. Kalau kat US , Europe macam tu jugak ke?? ada sesape tau??
ini kiraan loan islamic..mana2 bank yg guna sistem islamic akan kira macam ni...

bila full settlemant diorg akan bagi rebet..tapi bukan rebet dekat pokok..rebet dekat diorg punya untung...

contoh :

loan : RM70k
interest 3.88%
bayaran bulanan : RM518

selepas 12 bulan nak buat settlement..

rebet yg bank bagi : RM48,606.26
settlemet : RM69,497.74

jumlah dah bayar kat bank : RM518 x 12 = RM6216

Hutang kurang lebih kurang RM500 sahaja walaupun dah bayar RM6216...
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  #23  
Old 03-08-2012, 06:14 PM
kasturi kasturi is offline
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tu bunga utk pokok...kalu lewat sehari bayar dpt sekuntum lg bunga.....mapuh...
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  #24  
Old 03-08-2012, 06:15 PM
[MC] [MC] is offline
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Quote:
Originally Posted by abahmu View Post
mmg guna..tp diaorg lock di tahap maximun masa akad tu..biasanya dlm 10% max..klu naik smpai 15% pun bg konventional islamic stakat 10% tu je la...
So dimana islamicnya. pinjam satu bayar satu maaaaa
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  #25  
Old 03-08-2012, 06:15 PM
hafizan78 hafizan78 is online now
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jangan buat pinjaman dengan bank...
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  #26  
Old 03-08-2012, 06:18 PM
RUGISOKMO RUGISOKMO is online now
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dalam hal ni semua, siapa lagi yang salah, kalau bukan anuar... kah kah kah

janji bank ditepati
1 interest 1 loan..
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  #27  
Old 03-08-2012, 06:18 PM
Abu nawas Abu nawas is online now
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Quote:
Originally Posted by japoniser View Post
sebabtu kalau kira kita sendiri takut...realiti skang ni cmne? jgnkan kat apersonal loan je bro...rumah..kereta...perabot...pun sama...then..apa solution?

klu boleh smeua org pun xnk berhutang ye dak...tapi? sebab apa kita berhutang?

bank2 smeuanya buat duit melalui pinjaman kita...kalau sejuta je rakyat malaysia ni buat pinjaman dgn dia rm 100k...sebulan je dh berapa die leh dpt ..berkali2 kali ganda sebenarnya..

even bank islam pun sama jugak..alradji pun cmtu...yg nama2 ala2 islamik...then..sebagai pelanggan..dan penduduk mesia...xmampu buat apa2..kita mampu pikir dan elakkan dari berhutang je..tapi satu tahap..tetap akan berhutang...

sbgi cth..beli rumah...berapa ramai yg mampu beli cash...??? sebabtu bank2 akan sentiasa ada...sebab kita memerlukan bank..dan bank memerlukan kita ye dak...
betul tuan..dan saya amat menggalakkan supaya banyak lagi bank wujud dekat malaysia supaya pelanggan yg akan untung..

bayangkan sebelum ni bank rakyat monopoli pinjaman peribadi..letak interest 5.75% setahun, bila KFH, MBSB masuk market baru diorg akan turunkan rate kepada sekarang ni...

aku tak boikot bank..tapi aku nak lebih banyak bank supaya persaingan sihat boleh berlaku...
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  #28  
Old 03-08-2012, 06:19 PM
butterfingers butterfingers is offline
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macamana nak bukak bank? takde ke billionaire yg nak bukak bank baru kat malaysia nie..pure 100% islamic bank..nk wat loan pn xde interest..tp kena bayar cas perkhidmatan skali je pada mula2 nak pinjam tu..kalau ada bank mcm nie mzt bank2 lain rugi kn sbb sume org ambik loan kat bank yg baru nie..tp niat orang yg bukak bank mcm nie bukan niat nak buat bisnes la..niat nak tolong sesama islam..silap2 org bukan islam pn mai pinjam ngan bank baru nie..boleh ke mcm nie? adoila,,ape aq merepek petang2 nie.. :eeek:
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  #29  
Old 03-08-2012, 06:20 PM
japoniser japoniser is offline
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Quote:
Originally Posted by Abu nawas View Post
betul tuan..dan saya amat menggalakkan supaya banyak lagi bank wujud dekat malaysia supaya pelanggan yg akan untung..

bayangkan sebelum ni bank rakyat monopoli pinjaman peribadi..letak interest 5.75% setahun, bila KFH, MBSB masuk market baru diorg akan turunkan rate kepada sekarang ni...

aku tak boikot bank..tapi aku nak lebih banyak bank supaya persaingan sihat boleh berlaku...
ye..aku setuju...bila ada persaingan..pelanggan akan ada hak memilih..sbelum ni byk terpaksa..

tapi nk bukak bnk dekat mesia ni..agak2 nk kene hulur x?...hehehe...
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  #30  
Old 03-08-2012, 06:20 PM
abahmu abahmu is offline
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Quote:
Originally Posted by taufic View Post
bank islam nama saja islam
tapi kapitalist serupa jugak
satgi ada la ulama syariah advisor mai lipat aku
aku pnh kena dgn bank rakyat...abg ipar aku plak kena dgn bank islam...mmg diaorg ingat kta ni x cerdik...silap org diaorg nak lipat....
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