Loan ASB

[WnB]

skang dah 5.55%

pergh... turun lagi....

 

[aidiryatim]

maybank still x umum lg kn rate terbaru BLR nyer.. harap2 sama la 5.55%

 

[fms]

maybank still x umum lg kn rate terbaru BLR nyer.. harap2 sama la 5.55%

Maybank bank pertama umumkan..
mmg 5.55% gak...

pasni loan rumah aku jadi 4.05%, loan ASB pon sama laa..loan keta je x berubah..

 

[aidiryatim]

Maybank bank pertama umumkan..
mmg 5.55% gak...

pasni loan rumah aku jadi 4.05%, loan ASB pon sama laa..loan keta je x berubah..

yer ker? da try serach kt tenet xde pun..
mm.. awk tau x kaitan insurans ngan loan ASB nih?
x guna nyer cust services.. bg jawapan x memuaskan hati langsung..~X(
nk gi bank sure makan berejam .. td call bank pun still ade cust..
apa beza loan ASB tanpa insurns vs loan ASB with insurans..
yg pasti..
loan ASB with insurans byr lebih mahal..
cth loan 50,000.. total loan jadik 51,000(if insurans 1,000)
bila cancel loan , still xdpt nilai insurans tuh pun.
adakah insurans ASB nih.. maksudnya..if kita meninggal/ilang upaya.. cth.. loan tinggal 40,000.. so waris akan dpt full 40,000?

 

[fendyx]

yer ker? da try serach kt tenet xde pun..
mm.. awk tau x kaitan insurans ngan loan ASB nih?
x guna nyer cust services.. bg jawapan x memuaskan hati langsung..~X(
nk gi bank sure makan berejam .. td call bank pun still ade cust..
apa beza loan ASB tanpa insurns vs loan ASB with insurans..
yg pasti..
loan ASB with insurans byr lebih mahal..
cth loan 50,000.. total loan jadik 51,000(if insurans 1,000)
bila cancel loan , still xdpt nilai insurans tuh pun.
adakah insurans ASB nih.. maksudnya..if kita meninggal/ilang upaya.. cth.. loan tinggal 40,000.. so waris akan dpt full 40,000?

x silap aku yg insurans tu dinamakan MRTA
klu ko ambik loan yg xde insurans...apa2 terjadi kat ko waris kena sambung bayar..
yap, waris akan dapat full sbb insurans akan cover baki loan ko...

 

[aidiryatim]

x silap aku yg insurans tu dinamakan MRTA
klu ko ambik loan yg xde insurans...apa2 terjadi kat ko waris kena sambung bayar..
yap, waris akan dapat full sbb insurans akan cover baki loan ko...

MRTA? = ASBRTA kn ?(ASB Reducing Term Assurance)

so..klu cancel loan ..keadaan nya sama seperti loan ASB tanpa insuran kan?

waris kena sambung byr? bkn ker just jual sijil ASB tuh?~X(~X(
jelaskn please .. with figure..senang skit nk fhm

 

[WnB]

ttg insuran... (nie yg den tau)

ada insuran -- meninggal - waris tak yah bayar baki hutang, sijil akan ke ARB - waris claim kat ARB. dapat jumlah sijil.

x der insuran -- meninggal - sijil akan ditebus oleh bank bayar buat bayar hutang. ada lebih baru bagi kat waris.

 

[WnB]

figure (sijil 30k)

with insuran
+ RM622
loan skrg nie 30622, tapi sijil cuma 30k.

meninggal - hutang bank settled, 30k sijil waris tebus kat ARB.. berapa lama tak tau...

-bayar mahal cket, sebab masuk insuran dlm loan.


without insurance
loan 30k utk sijil 30k.
meninggal - bank tebus sijil 30k, buat bayar hutang. Kalau hutang tinggal 28k, waris dapat 2k.. kalau hutang ada 32k, pandai2laaa waris bayo 2k lagi...

hehehehe

 

[WnB]

so..klu cancel loan ..keadaan nya sama seperti loan ASB tanpa insuran kan?

mmg kalau cancel dia akan jadi sama macam loan ASB tanpa insuran. lagi rugi lagi ada.... sbb fungsinya utk loan protection shj..

 

[fms]

yer ker? da try serach kt tenet xde pun..
mm.. awk tau x kaitan insurans ngan loan ASB nih?
x guna nyer cust services.. bg jawapan x memuaskan hati langsung..~X(
nk gi bank sure makan berejam .. td call bank pun still ade cust..
apa beza loan ASB tanpa insurns vs loan ASB with insurans..
yg pasti..
loan ASB with insurans byr lebih mahal..
cth loan 50,000.. total loan jadik 51,000(if insurans 1,000)
bila cancel loan , still xdpt nilai insurans tuh pun.
adakah insurans ASB nih.. maksudnya..if kita meninggal/ilang upaya.. cth.. loan tinggal 40,000.. so waris akan dpt full 40,000?

WNB tulis tu btol..
yg salahnye insurans klu cancel loan akan dpt baki tahun yg belum digunakan..
katakan loan selama 20 tahun, loan baru usia 3 tahun dah cancel, 17 tahun punye coverage dier pulangkan balik..
aku tau sbb aku penah cancel dan dpt refund..