Loan ASB

[edy639]

Salam..

Dua hari aku bc semua x henti2..huh.. But its good, mcm2 info aku dpt!

Just to share;

tgh hari td pegi RHB bank utk dptkan latest info psl ASB loan.

Current BLR: 6.5

*new package;
10k - 30k = 1st yr : BLR-1.75%
................Sub yr : BLR-1.25%

ABOVE 30k (max 200k) = 1st yr : BLR-2.00%
....................................Sub yr : BLR-1.25%

Custodian fee(processing fee)= RM100

grace period: 5 thn

klu amik cth yg evilgoodguy bagi ( mmg menarik ni! )
loan 100k, tenure 20yrs 688 sebulan sekarang adlh = RM674 shj w/o insurance

but if interested nk insurance bole tp byr asing dgn loan. n bole byr bila2 kita nak@rs perlu. Cth:
Umur 25thn kna byr $1502(klu amik dari mula la, lg lewat amik lg kurang byr) tp kena byr lump sum. Insurance under MAA. Klu settle loan awl leh claim jgak bal. Klu dibahagikan sebln hnya tmbh $6.30 pd $674. Still jauh beza dgn Mybk@704

Officer tu ckp klu loan campur insurance kita akn rugi.. Camana tu tak tau pulak..

*Utk introducer program -- (takda dh mcm kat RHB melaka ya)
-akan dpt insentif tunai sama ada $20, $50 $75. depend pd loan amt, tu shj..


BTW, nk kepastian adkh setiap bank berlainan kadar(BLR)?

 

[daing]

so nk kena wat personal loan n loan keta islamic nih.. pnh wat loan keta islamic x? or personal loan islamic? klu loan umah islamic tu sllu arr dgr

personal loan islamic da ade kot..tang loan kete islamic tuh aku tak penah dengar..

 

[aidiryatim]

Salam..

Dua hari aku bc semua x henti2..huh.. But its good, mcm2 info aku dpt!

Just to share;

tgh hari td pegi RHB bank utk dptkan latest info psl ASB loan.

Current BLR: 6.5

*new package;
10k - 30k = 1st yr : BLR-1.75%
................Sub yr : BLR-1.25%

ABOVE 30k (max 200k) = 1st yr : BLR-2.00%
....................................Sub yr : BLR-1.25%

Custodian fee(processing fee)= RM100

grace period: 5 thn

klu amik cth yg evilgoodguy bagi ( mmg menarik ni! )
loan 100k, tenure 20yrs 688 sebulan sekarang adlh = RM674 shj w/o insurance

but if interested nk insurance bole tp byr asing dgn loan. n bole byr bila2 kita nak@rs perlu. Cth:
Umur 25thn kna byr $1502(klu amik dari mula la, lg lewat amik lg kurang byr) tp kena byr lump sum. Insurance under MAA. Klu settle loan awl leh claim jgak bal. Klu dibahagikan sebln hnya tmbh $6.30 pd $674. Still jauh beza dgn Mybk@704

Officer tu ckp klu loan campur insurance kita akn rugi.. Camana tu tak tau pulak..

*Utk introducer program -- (takda dh mcm kat RHB melaka ya)
-akan dpt insentif tunai sama ada $20, $50 $75. depend pd loan amt, tu shj..


BTW, nk kepastian adkh setiap bank berlainan kadar(BLR)?

wow.. pakej yg menggiurkn..RHBmmg best ler..paid..
rasa semua bank BLR sama... cuma ade yg cepat n lambat umum jer..tu yg sy perhatikan la..

 

[edy639]

tu la aku dah cakap Cenor. amik loan amount besar, tempoh biar panjang, baru die leh compound kaw kaw punya. dividen tiap2 tahun kita convert ke OD. so dividen tu leh dibiarkan compounding, installment kite pakai OD. utk cover OD, pakai la gaji/income lain/credit card. hehehee

best la lu pmadya. bersemangat aku nak wat loan besar2 nie. I really agree with u. invest dlm property tak semestinya harga terus naik dan naik. kadang turun gak. asb la the best investment tool. wat OD pon 90-95% dari sijil leh dpt. pastu every year paling koman dalam sejarah pon (sejak 1991) dia bagi 7%. caj2 lain takde. so, memang income bersih la dia bagi tuw... best best best. hidup ASB!!!

By the way, nk tnya esp pd Jackhalid.

Basic psl OD dh tau, tp yg intrsted nk tau lg camana teknik nk cover OD pakai gaji/income lain/credit card.

 

[WnB]

kawan-kawan,

sebenarnya ada cara untuk melangsaikan loan dengan cepat dengan membayar jumlah yang sama seperti yang ditetapkan oleh pihak bank..kalau betul caranya maybe loan tersebut boleh langsai 3 4 tahun lebih awal..

before that, i like samebody (maybe kawan2 yang keje ngan bank) untuk bagi opinion towards this statement..

bukan jumlah yg sama pd setiap bln rasanya.. tp jumlah yg sama pada setiap 4 minngu..

setahun ada 52/4=13 kali bayar instead of 12 kali bayar (kalau ikut bln2).

 

[WnB]

Officer tu ckp klu loan campur insurance kita akn rugi.. Camana tu tak tau pulak..

BTW, nk kepastian adkh setiap bank berlainan kadar(BLR)?

loan campur insurance kita rugi sebab insuran tu akan dikira sbg pinjaman dan kita kena bayar interest. So kalau insuran RM 700, pada kadar interest 5.5% setahun selama 20thn, total kita kena bayar adalah RM 1155.65 (455.65 adalah interest).

Kalau kita tak nak rugi, kita kena bayar pada bln pertama
= first installment + lump sum utk insurance.

CIMB gabung sekali. so sape2 yg ambik CIMB, nak jimat interest kena bayar cara macam kat atas utk bln pertama.

--------------------------

Kadar BLR setiap bank kebanyakkannya sama. Tp kalau ada perubahan macam baru2 nie, ada bank akan cepat ubah kadar, ada bank yg lambat ubah kadar. Macam CIMB n RHB dah start awal bln, ada bank start 3/12 baru kadar ubah kpd yg baru.

 

[fms]

Salam..

Dua hari aku bc semua x henti2..huh.. But its good, mcm2 info aku dpt!

Just to share;

tgh hari td pegi RHB bank utk dptkan latest info psl ASB loan.

Current BLR: 6.5

*new package;
10k - 30k = 1st yr : BLR-1.75%
................Sub yr : BLR-1.25%

ABOVE 30k (max 200k) = 1st yr : BLR-2.00%
....................................Sub yr : BLR-1.25%

Custodian fee(processing fee)= RM100

grace period: 5 thn

klu amik cth yg evilgoodguy bagi ( mmg menarik ni! )
loan 100k, tenure 20yrs 688 sebulan sekarang adlh = RM674 shj w/o insurance

but if interested nk insurance bole tp byr asing dgn loan. n bole byr bila2 kita nak@rs perlu. Cth:
Umur 25thn kna byr $1502(klu amik dari mula la, lg lewat amik lg kurang byr) tp kena byr lump sum. Insurance under MAA. Klu settle loan awl leh claim jgak bal. Klu dibahagikan sebln hnya tmbh $6.30 pd $674. Still jauh beza dgn Mybk@704

Officer tu ckp klu loan campur insurance kita akn rugi.. Camana tu tak tau pulak..

*Utk introducer program -- (takda dh mcm kat RHB melaka ya)
-akan dpt insentif tunai sama ada $20, $50 $75. depend pd loan amt, tu shj..


BTW, nk kepastian adkh setiap bank berlainan kadar(BLR)?

insurance bayar lump sum rugi gak..RM1.5k klu 20 tahun simpan, bole generate tambahan RM3,000-RM6,000..kene kira gak opportunity cost..

 

[aidiryatim]

insurance bayar lump sum rugi gak..RM1.5k klu 20 tahun simpan, bole generate tambahan RM3,000-RM6,000..kene kira gak opportunity cost..

yer2.. kesimpulannya.. pilih RHB).. pastu join le takaful ikhlas ke takaful etiqa ke etc.. paid

 

[fms]

yer2.. kesimpulannya.. pilih RHB).. pastu join le takaful ikhlas ke takaful etiqa ke etc.. paid

pakej baru Maybank x cek ke??
aku loan skali ngan MRTA..extra bape lupa lak..RM8 kot sebulan utk RM50,000..

 

[aidiryatim]

pakej baru Maybank x cek ke??
aku loan skali ngan MRTA..extra bape lupa lak..RM8 kot sebulan utk RM50,000..

x..boleh x awk senarai kn semua pakej2 yg ade utk loan ASB.. combine semua.. utk RHB,MAYBANK , CIMB.. kita leh compare mana terbaik.. cth nya , tanpa insurans.. cancel loan awal tanpa caj..