Loan ASB

[aidiryatim]

better loan ngan RHB la cenggini.. xde byr insurans pun.. sbb da jelas.. proses penjualan ASB loan x melibatkn insurans langsung..nk amik insuran hayat..better takaful ikhlas ke.. takaful apa2 lah.. janji x masuk dlm term ASB loan(

 

[rieffa_ar]

aku baru je apply tuk buat loan dkat maybank.. interest rate 4.53%.. tuk 100k, 20 thn termasuk insurans monthly rm650++.. dia kater proses amik masa dlm 2 bulan gak,.. dalam april baru start bayar..


korang kasi opinion, ok tak? or ada bank yg tawar lebih baik..
satu lagi, if BLR turun, interest rate tuk application aku neh pakai BLR yg baru ke yg lama eh? tq..

 

[fendyx]

aku baru je apply tuk buat loan dkat maybank.. interest rate 4.53%.. tuk 100k, 20 thn termasuk insurans monthly rm650++.. dia kater proses amik masa dlm 2 bulan gak,.. dalam april baru start bayar..


korang kasi opinion, ok tak? or ada bank yg tawar lebih baik..
satu lagi, if BLR turun, interest rate tuk application aku neh pakai BLR yg baru ke yg lama eh? tq..

int rate berubah ikut BLR semasa....
interest rate 4.53% tu adalah selepas BLR - x.xx%....

#BLR skrg = 5.95%

 

[MzJb]

salam... macam mana kira dividen asb secara kasar? ada apa software x? macih....

soalan aku x ada org jawab pun... (((

 

[fendyx]

soalan aku x ada org jawab pun... (((

bro...rajin2 selak page blkg...dah ada mber kita post jwp psl soalan yg bro tanye tu....

aku tolonglah ye.....bro gi kat page 99...

 

[MzJb]

bro...rajin2 selak page blkg...dah ada mber kita post jwp psl soalan yg bro tanye tu....

aku tolonglah ye.....bro gi kat page 99...

macih....

 

[fendyx]

macih....

came-came....

 

[rieffa_ar]

if tetibe BLR turun.. interest rate akan ikut BLR y baru, atau pakai BLR yg sama masa apply.. n if BLR naik lepas 10 tahun aku pakai loan, interest rate aku tu mcm maner plak.. still sama mcm sebelum or naik?

sorila,.. aku tak penah awt loan.. nie baru nk blaja.. tq.

 

[fendyx]

if tetibe BLR turun.. interest rate akan ikut BLR y baru, atau pakai BLR yg sama masa apply.. n if BLR naik lepas 10 tahun aku pakai loan, interest rate aku tu mcm maner plak.. still sama mcm sebelum or naik?

sorila,.. aku tak penah awt loan.. nie baru nk blaja.. tq.

ko check blk term ms ko buat loan tu....katakan ko ckp int rate ko 4.53%....

BLR skrg -> 5.95%

jd (BLR - x.xx% = 4.53%)
so x.xx% = 1.42%

yg penting x.xx% tu sbb nilai tu fix sepanjang term loan ko...
yg tu akan membantu mengurangkan int rate ko....
BLR akan berubah, tu mmg ko x bole nak control....

skrg ni byk byk offer fix rate utk 3 thn pertama...
pastu BLR-x.xx% spi hbs loan....

 

[dandyman_7]

tul ker nih cikgu?
staff bank cakap BLR ade pengaruhi div ASB~X(.. staff nih tipu sy lg ker(

mm.. semakan lanjutan utk cancelation ASB loan CIMB sy ari tuh..
dapat email dr CIMB.

Dear En. Aidir,
Please be informed that the transaction on the 16/02/09 was the redemption transaction due to cancellation of ASB. On
the 16/02/09, your payoff is RM xxxxxxxx(a). The penalty tagged for your account is 1%.
The calculation are:
1. Penalty = 1% X payoff amount = 0.01 X xxxxxxxx(b) = RM xxxxx(c)
2. After we debit the penalty amount, your new payoff was RM xxxxxxxx(d)
3. As for your refund, we deduct the cert amount with the new payoff amount which equals to RM xxxxxx(e). We've
originated IBA to branch 0115 (Kota Tinggi) on the same day we closed your account.
memeranjatkn.. apabila dikira.. rupanya .. insuran yg kita amik tuh..burn cam tu jer(((((
e= total loan ASB(x termasuk insuran) - d(
insurans loan ASB
UPDATE:
Kesimpulannya.. saya kerugian secara kasar RM300(..
Kiraan Berdasarkn amount yg dibayar setakat 5 feb 2009 (-) amount div terkumpul diterima setakat jan 2009 dan baki duit yg masuk dlm acc CIMB sy pada 19 feb 2009

loan ko nie dah bape lama ye...
aku cancel loan seblum cukup 3thn(7/2009)
camne plak ye...