Himpunan teknik teknik loan ASB

[mansur79]

Bank nampak weakness program BT ni. Dah x jumpa lagi program 0% BT. yg saya amalkan guna Ikhwan MC, 0% for 12 mths pun dah nak lapse Dis 2012 ni..

So true...tapi 6 bulan pun saya sebat jugak sebab teknik tu almost equal to free money...

 

[PendingDiraja]

Thanx for your support,
Dahulu OD memang HEBAT di manipulatekan..
Sekarang Peluang/Zaman CC pula..

Dahulu PL dibuat utk setle CC..
Sekarang CC pula boleh setled PL..

LASB 200K max, div akan DORMANT for some years..
Div LASB will work hard for more 10%~15% EVERY YEAR!!Not like UT having UP & DOWN like ROLLER COASTER..

As I said before,,YOU MUST KEEP YOUR WEALTH INTACT..
72 Theory..
72/7.5% = 9.6 years to double your investment..
72/10%~15% = 7.2 ~ 4.8 years to double your investment..

Then when you catch the CASH = TOTAL OPM, you can smile look how the money making MORE MONEY..

Thanks again

Boleh bagi pemahaman sikit formula di atas tak. Anybody?

 

[kentzige bruang]

Tuan ikeda, tuan alphaOne dan otai2 sekelian.

pohon tunjuk ajar kaedah CA dr CC. saya blm gunakan potensi CC sebaiknya. HSBC platinum credit limit 15k, sentiasa saya zero kan. EPP CC Ikhwan Maybank, sentiasa zero. belum pernah guna EPP.

telah baca sepintas sebelum ni, tp tak tau how to begin. last2 jadi projek terbengkalai. pohon tuan/puan ringkaskan apa step yg sy pelu buat.

menurut bacaan sy, T&C cash advance HSBC amat mengerikan - para 7f dan 9b.

1.5% per month @ 18% annual interest. pengsan gue. so, kerana x berapa nk faham ngan konsep cash advance n Balance transfer, jd aku x proceed.

setakat ni cuma fokus pembelian EPP 0% interest je dgn ikhwan. EPP BT masih tinggi interestnya so aku x buat. Free period yg aku tak jumpa 55 @ 85 hr tu. HSBC 20 hari je. pohon jelaskan loophole ni.

atau ia cuma sesuai untuk guna against PL je?

 

[2bz4money]

Belanja guna CC & CBT utk dpt Div ASB 1-2 bulan..

So true...tapi 6 bulan pun saya sebat jugak sebab teknik tu almost equal to free money...

saya pun tengah mencari2 mana2 promosi 0% Credit Balance Transfer (CBT) anjuran mana2 bank memandangkan setiap bulan Nov/Dis saya akan guna Kak Kredit (CC) utk buat byrn spt penyelenggaraan kereta yg berat, persediaan persekolahan ank2, zakat pendapatan, yuran profesional etc. CBT membantu menghimpun semua hutang CC dalam satu skim bayaran ansuran tanpa faedah.

bagi mdptkan lebihan TUNAI setiap bulan, pastikan merancang belanja spt petrol, belanja isi rumah dan utiliti dibuat dgn guna CC. Lebihan tunai itulah yg boleh kita gunakan utk simpan ASB secara teknik Cik Tipah. Kawalan aliran tunai dan CC yg cekap membolehkan kita dpt manafaat TUNAI percuma utk 1-2 bulan..

 

[kentzige bruang]

dalam BT ikhwan:

Minimum transfer amount for the 6 months to 12 months plans is RM1,000 and for the 24 months to 36 months plans
is RM2,000.The special Profit Charge will be valid from the date of posting (“Date of Posting”) for period of 6 months at
0.5%, 9 months at 0.75%, 12 months at 1%, 24 months at 0.375% and 36 months at 0.413%.

pohon bgtau, mana dpt 0% BT. setau sy 0% EPP utk purchase brg ada la 12, 24, 36 bulan

 

[2bz4money]

Kaedah Credit Balance Transfer (CBT)

dalam BT ikhwan:

Minimum transfer amount for the 6 months to 12 months plans is RM1,000 and for the 24 months to 36 months plans
is RM2,000.The special Profit Charge will be valid from the date of posting (“Date of Posting”) for period of 6 months at
0.5%, 9 months at 0.75%, 12 months at 1%, 24 months at 0.375% and 36 months at 0.413%.

pohon bgtau, mana dpt 0% BT. setau sy 0% EPP utk purchase brg ada la 12, 24, 36 bulan

Fahami kaedah CBT ni SUMBER

 

[AzMiLLioNaiRe]

Pergh bahasa ikedaaa

 

[kentzige bruang]

bad debt vs less bad debt...itu CBT yg sy faham. maknanya mmg tiada kaitan BT dengan loan ASB la kan? BT against CC is good. tapi, kalau against LASB karut la kan? hopefully rakan2 yg masih terbelenggu dgn hutang CC blh manfaatkan CBT sebaiknya. susun strategi utk hapuskan bad debt. PL, CC.

kiranya ada kaedah Cash Advance + 0% BT blh dimanipulasi utk org yg xde hutang CC, pohon share ye. rugi kiranya potensi cash advance CC tak diguna sebaiknya. tk

 

[kentzige bruang]

1. Cash advance dgn CC HSBC RM6000
2. BT RM6000 dari HSBC ke RHB. 24mth @ 9% interest rate(4% x RM6000 = RM540)one time charge + RM90 one time fee.
3. bayar RHB setiap bulan RM250.

kalau nk gunakan juga CA + BT sbg tool LASB, sy akan gunakan begini:

1.RM6000 dr cash advance dibuat pada bulan Jun 2013.
2.RM6000 diguna utk serve RHB RM500 sebulan selama bulan jul-dis 2013(RM250 x 6 bulan + RM1500)
3. serve loan 30k disburse end jun 2013(instalment rm175 x ogos2013-jan2014 = RM1050).
4. dividen at januari 2014 = RM1147.50. jadi baki dlm tangan 1147.50 + (6000-1500-1050-540-90) = 3967.50
5. baki 3967.50 dpt bertahan selama 9 bulan je.

so tak sesuai jadi tool lasb kan?

 

[one2jip]

Bila otai2 dok msk bincang...beginner dok tgk je la. Ape pn make it simple tetapi bermakna.