Buat overdraf guna rumah

[faizal_bulat]

Hmmm.. So, maybe dlm 5 tahun baru aku leh wat refinance.. pehtu wat OD.. Hmmm.. menarik.. cuma nak kene tunggu 5 tahun.. ((

kalu rasa berbaloi.. refinance jela.. byar je penalti..

 

[farispbsb]

salam bro semua,

minta tolong kalau ade sesiapa yang mahir dalam bab mencagarkan tanah,....camner nak buat? bank mana yang bagus...tengah dok survey nie...harap sangat kalau bro faizal atau atai atai yang lain dapat membantu....

 

[shahrulsaid]

buat od guna rumah

ni OD yg disediakan oleh PIBB, walaupun rumah xabis bayar, khas untuk customer housing loan..

Plus BAE Personal

If you are already a Public Islamic Bank's customer of Financing-i: ABBA House/Term Financing-i and Cash Line Facility-i with a good repayment track record, you can take an additional financing to get immediate cash for your personal use without any additional collateral or a guarantor. This convenient financing plan is our way of thanking you for being a loyal customer.


The PLUS BAE Personal Financing-i/Plus Cash Line Facility-i offers:

1.Quick cash between RM10,000 to RM150,000.
2.Up to 110% of Current market Value subject to net exposure of RM50,000.
3.Longer repayment period of 10 years. CLF-i is repayable on demand.
4.Optional Group Takaful coverage. Great savings as no legal fees incurred.

Cash Line Facility-i

An Overdraft facility that is in accordance with Shariah principles. It is designed to provide financing for a period of 3 years, at the end of which you have the option of renewal. It's a great short-term financing plan if you need additional funds for investments, capital or any other expenditures permissible by Shariah.

Here's what Cash Line Facility-i offers you:

1.No commitment fee on the unutilised amount. So, you'll enjoy great savings.
2.Fixed profit rates for the whole financing tenure.
3.Competitive financing rates and margin of financing.
4.Non-compounding on profit

Plus BAE option a & b
a. BFR + 1.00% p.a. daily rest for the following customers:
who do not take up Group Takaful Family Plan (GTFP).
where facility is secured by cultivated or vacant land.
where MA is above 100% of CMV for existing facility secured by completed residential and commercial properties.

b. BFR + 0% p.a. daily rest for the following customers:
who take up Group Takaful Family Plan (GTFP).
where MA does not exceed 100% of CMV for existing facility secured by completed residential and commercial properties.

akunye option B.. xbanyak org yg tahu, sebab xbanyak org kita wat housing loan ngan PIBB.. so dah tahu apa lg refinance la ngan PIBB.. huhuhu

laa cakap org putih la pulak penerangan ni..ada sesiapa boleh tolong terjemahkan tak? eden tak faham.

 

[ammar5]

aku dh buat refinancing rumah di cimb....pricipal rm200k & od rm115k(tapi cuma lepas rm85k coz ada rekod x berpa bagus utk thn tersebut)....now aku cuma bayar monthly rm888 & aku ada od rm85....leh la berod pas nie....

 

[shahrulsaid]

ni OD yg disediakan oleh PIBB, walaupun rumah xabis bayar, khas untuk customer housing loan..

Plus BAE Personal

If you are already a Public Islamic Bank's customer of Financing-i: ABBA House/Term Financing-i and Cash Line Facility-i with a good repayment track record, you can take an additional financing to get immediate cash for your personal use without any additional collateral or a guarantor. This convenient financing plan is our way of thanking you for being a loyal customer.


The PLUS BAE Personal Financing-i/Plus Cash Line Facility-i offers:

1.Quick cash between RM10,000 to RM150,000.
2.Up to 110% of Current market Value subject to net exposure of RM50,000.
3.Longer repayment period of 10 years. CLF-i is repayable on demand.
4.Optional Group Takaful coverage. Great savings as no legal fees incurred.

Cash Line Facility-i

An Overdraft facility that is in accordance with Shariah principles. It is designed to provide financing for a period of 3 years, at the end of which you have the option of renewal. It's a great short-term financing plan if you need additional funds for investments, capital or any other expenditures permissible by Shariah.

Here's what Cash Line Facility-i offers you:

1.No commitment fee on the unutilised amount. So, you'll enjoy great savings.
2.Fixed profit rates for the whole financing tenure.
3.Competitive financing rates and margin of financing.
4.Non-compounding on profit

Plus BAE option a & b
a. BFR + 1.00% p.a. daily rest for the following customers:
who do not take up Group Takaful Family Plan (GTFP).
where facility is secured by cultivated or vacant land.
where MA is above 100% of CMV for existing facility secured by completed residential and commercial properties.

b. BFR + 0% p.a. daily rest for the following customers:
who take up Group Takaful Family Plan (GTFP).
where MA does not exceed 100% of CMV for existing facility secured by completed residential and commercial properties.

akunye option B.. xbanyak org yg tahu, sebab xbanyak org kita wat housing loan ngan PIBB.. so dah tahu apa lg refinance la ngan PIBB.. huhuhu

tapi apasal eden dapat email dari publicbank dia kata 7.5% hingga 8.9%? kalau tak caya cuba bagi email eden dapat ni:

We thank you for your interest in Islamic financing.

This product is actually similar to overdraft facility under conventional banking except this product operates based on Shariah principles (Al Bai Bithaman Ajil). The purpose is actually for working capital, refinancing of assets, Investment and also personal use. However, the purpose of obtaining the Cash Line Facility-i and all activities related to it must not contravene the Shariah principles e,g gambling activities, sale of liquor,etc.

Presently the profit rate is based on fixed rate between 7.5% to 8.9% . Maximum tenure 3 years. A collateral in the form of property or Islamic Fixed Deposit is required. If you are an existing Islamic facility customer, you may apply for CLF-i as well.

For further details on the requirements and to obtain the application form, you may approach any of our nearest branch.

Mohd Khalil Ismail
Manager, Product Development & Branch Support
Banking Operations
Public Islamic Bank

 

[redace]

Meh aku up sikit thread lama aku ni.....sekali dua kali baca syok plak.....tak buat tak kesampaian lagi....

 

[Sir Capone]

Bump kan lagi...ehehheh

 

[endingman86]

Meh aku up sikit thread lama aku ni.....sekali dua kali baca syok plak.....tak buat tak kesampaian lagi....

salam bos....mana pergi?

 

[jaih]

tanya sket... cthnya ada umah kedai...value dia 200K dah abeh bayara .. n nak beli satu lagi rumah value dlm 160K...

soalanya camnih... mana lebih untung
a) Beli mcm biasa jer umah tuh..
b) cagarkan umah kedai kat bank utk dpt OD n guna duit OD tuh utk beli umah (byr cash)...

tq

 

[johnjai]

tanya sket... cthnya ada umah kedai...value dia 200K dah abeh bayara .. n nak beli satu lagi rumah value dlm 160K...

soalanya camnih... mana lebih untung
a) Beli mcm biasa jer umah tuh..
b) cagarkan umah kedai kat bank utk dpt OD n guna duit OD tuh utk beli umah (byr cash)...

tq

beli macam biasa je umah tu sebab int loan rumah lebih rendah dari int OD yang bercagarkan umah.
kalau cagar umah nak dapat od int tinggi.BLR + 1 or 2