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hutang credit kad- balance tranfer atau personal loan

owen

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saya planning nak kurangkan komitmen bulanan..sy ada kredit kad maybank tunggakan dalam 8k. mana lebih baik sama ada buat balance transfer melalui installment selama 3 tahun.instalmen +- rm319 (kiraan kalau 10k)kadar 0.495% p.m (rasanya xde caj sampingan apa2)

@ buat personal loan melalui bank lain n buat settlement cc. ada survey kalau agrobank rate 3.20% instalment rm304/tahun. (rasanya dari 10k tu payout x 100%)

so boleh x suggest mana lebih baik @ ada cara lain nak settle.
 
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tokputih

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klu blh mana yang murah.. kalau bulanan sama iaitu 36 bulan ambik agro bank... cuma kengkadang nak lulus payah
 

owen

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klu blh mana yang murah.. kalau bulanan sama iaitu 36 bulan ambik agro bank... cuma kengkadang nak lulus payah

bulanan tu agro lagi murah rm16 sbln. tp rasa 10k tu xdapat 100%.akan tolak insuran n lain2. tgok kalau balance tranfer tu dia ada tulis xde caj apa2
 

sitinorain

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saya planning nak kurangkan komitmen bulanan..sy ada kredit kad maybank tunggakan dalam 8k. mana lebih baik sama ada buat balance transfer melalui installment selama 3 tahun.instalmen +- rm319 (kiraan kalau 10k)kadar 0.495% p.m (rasanya xde caj sampingan apa2)

@ buat personal loan melalui bank lain n buat settlement cc. ada survey kalau agrobank rate 3.20% instalment rm304/tahun. (rasanya dari 10k tu payout x 100%)

so boleh x suggest mana lebih baik @ ada cara lain nak settle.

bulan2 bayar kat maybank berapa?
 

silverchair959

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kalau setakat nak kurangkan komitmen bulanan boleh try amik personal loan lepas tu nego dgn bank cc tu utk kurangkan interest...boleh dpt pengurangan kalau buat full settlement...

kalau nak bg ccris cantik better buat balance transfer
 

Epal10

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Aku baru buat balance transfer tunggakan rm10k
Tapi balance transfer dpt dlm rm6800 jer sbb 80% dari had kad kredit
 

ohsem

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contact maybank mohon untuk tukarkan credit card balance kepada personal loan. ckp elok2 kata dgn niat nak habiskan hutang.. nanti bank akan convert loan tu dan lepas tu tolong jgn buat cc kalau tak boleh manage hutang.

proses ni makan masa dgn maybank dlm 2-3 bulan tp kene bg full committment.. lps tu jgn culas bayar bulan2 pulak..
 

ohsem

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cara lain kurangkan belanja atau komitmen lain.. cuba selak thread zaman dulu2 kat cg ni.. byk dah bincang psal cc ni.. ada kaedah snow ball juga bg yg byk hutang cc..
 

balang

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Kalau den buat personal loan je, lepas tu istiqamah jgn guna dah cc tu..

ps: tumpang simpati dengan tt, dulu den pun gemar buat hutang dgn cc, sampai beli motor..tapi sekang alhamdulillah dah bebas CC..tenang hidup rasanya..target untuk 0 debt..
 
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