Loan ASB

[hot018]

memang menarik nie....

 

[nikiza]

pada aku lah..kalau sapa2 kata dia buat asb loan sebab takde disiplin nak simpan sendiri...memang alasan tak munasabah...

kalau kata tak berdisiplin...silap2 loan pun tak leh nak bayar...jangan kata nak menyimpan...

so kalau nak ada saving...mau tak mau kena jugak ada disiplin...sama ada disiplin nak menyimpan dan disiplin nak membayar utang....

yang penting meyimpan....sikit atau banyak terpulang dan bergantung kepada matlamat akhir kita....

kalau setakat nak menyimpan...50 sebulan pun boleh...
kalau nak leverage sket...amik loan...

 

[Cenor]

Salam
Semalam g windoe shopping dekat maybank so dia kasi rate new asb loan package (jan 09 - june 09)..best gak rate dia..eheheh

1. standard package 1 (published rate)
BLR - 1.35% (for the 1st 3 year)
BLR - 1.30% (thereafter)

2. Standard Package 2 (published rate)
BLR - 1.15% (for the 1st 5 year)
BLR - 1.30% (thereafter)

3. Special promotion / carnival (unpublished rate)
BLR - 1.65% (for 1st 3 year)
BLR - 1.25% (thereafter)

4. Special Loyalty Package (unpublished rate)
BLR - 1.65% ( 1st 3 year)
BLR - 1.5% (thereafter)

package 1 dan 2 untuk org / peminjam2 yang baru shj. Tetapi klu sudah ader package lama dengan maybank tapi nak ubah. Kita boleh dapat package yang keempat tu..So saya sudah buat loan menggunakan package yg ke 4 tu. Insurance ASBRTA wajib diambil.

Sebab kawan sudah biasa dengan maybank, so kawan dah tak sempat nak g window shooping bank2 yang lain. Sekarang nie mereka sudah adakan loyalty package. Baik buat pada satu bank untuk mendapatkan kemudahaan tersebut.

bye

good info bro,

locking period ade tanya?
berapa % penalti?

haritu dah ade yg wat kira2 kalau cancel loan tgh jln...so ni tgh nak wat kira2 ikut pakej baru

bak kata otai besar, serampang bermata-mata..

 

[Rahmat]

loan ASB ni kira bagus ler...displin or not kita still selamat..walaupun returns dia tak banyak....kena ikut baju ler beb..

 

[WnB]

Ni ASB loan package CIMB (Bangunan PNB Jln Tun Razak)

Loan type: conventional (bukan islamic)

Reducing balance ?: No. Reducing balance cuma utk islamic loan. Depa takde islamic package lagik

Rate:
# 5.15% fixed for 3 years
# BLR - 1.30% (=5.2%) : thereafter

Lock-in Period: 3 years

Penalty: 3.5% dr loan amount (bukan balance)

Payment mode: SI/cash shj


Main disadvantages: bukan reducing balance & bukan islamic/takde insurance

1. Thank for the info utk latest offer from CIMB.
2. Rasa reducing balance .. tp conventional...
3. Lock in period 3 thn n kurang penalti 3.5%. slp3 thn ada penalti tak?? Lepas2 punya promo.. selepas 3 thn pun masih ada penalti... cuma penalti tu tak jelas.. atas baki prinsipal atau atas loan amount (bg kes selepas 3 thn)..

 

[mclarenx]

2. Rasa reducing balance .. tp conventional...

Bukan reducing balance bro...as per officer tu kata (sb saya tanya).

3. Lock in period 3 thn n kurang penalti 3.5%. slp3 thn ada penalti tak??

Lepas 3 tahun, takde penalty dah...
Penalty tu dikira dr jumalh loan asal, bukan outstanding balance

Lepas2 punya promo.. selepas 3 thn pun masih ada penalti... cuma penalti tu tak jelas.. atas baki prinsipal atau atas loan amount (bg kes selepas 3 thn)..

Penalty tu dikira dr jumalh loan asal, bukan outstanding balance

 

[aidiryatim]

1. Thank for the info utk latest offer from CIMB.
2. Rasa reducing balance .. tp conventional...
3. Lock in period 3 thn n kurang penalti 3.5%. slp3 thn ada penalti tak?? Lepas2 punya promo.. selepas 3 thn pun masih ada penalti... cuma penalti tu tak jelas.. atas baki prinsipal atau atas loan amount (bg kes selepas 3 thn)..

agreeemnt 2005 nyer.. LOAN ASB CIMB
sy type je.. xreti nk terjemah)
if prepaid within 1st 3 years the loan is 1st disbursed, 3.5% of loan amount.
if prepaid after 3 years the loan is 1st disbursed, 1% of prepaid amount.

tadik gi meybeng.. CS cakap xde pakej2 just fix interst 5.25%.. ~X(
org masih berpusu lg urus ASB.. angka giliran cecah >200)..

 

[potsmoker]

maybank sekarang boleh loan ke... kalau keja kontrak?

 

[WnB]

agreeemnt 2005 nyer.. LOAN ASB CIMB
sy type je.. xreti nk terjemah)
if prepaid within 1st 3 years the loan is 1st disbursed, 3.5% of loan amount.
if prepaid after 3 years the loan is 1st disbursed, 1% of prepaid amount.

tadik gi meybeng.. CS cakap xde pakej2 just fix interst 5.25%.. ~X(
org masih berpusu lg urus ASB.. angka giliran cecah >200)..

late 2008 pun sama...

rate - 5.15% fixed utk 3 thn.
Remaining years BLR - 1.30 %.

Yg highlighted pun sama... macam tu juga ayatnya... cuma yg eden terjemahkan (BI pun berterabur jugak-wakakaka), prepaid amount tu merujuk kpd jumlah bayaran lumpsum yg kita nak bayar. (tak taulaaa betul ker idak, tanya kawan sebelah lagi dia cakap tak faham apa2 term bank)...

200 bro?????))) simpan utk esok laaa nombor tu... hehehehehe... cakap kat officer tu suruh sambung no jer esok... hehehehehehehe

 

[mclarenx]

Berpusu2 nak kuar dividen ke...berpusu2 nak update buku @check dividen (bukan nak kuar) saja nak menyedapkan hati tengok nombor 2 angka jer...hehehe