Loan ASB

[aidiryatim]

tanye je staf Maybank..
diorg lebih tau..

mmg ler .tp..
diaorg nk bg tau ker cemana kiraan nih? baru tny 1 soklan seminit.. dtg plak 5 org tunggu dia..susah diaorg nk bg tau..sy pening da kira nih.. klu just loan amount tuh senang ja .. tp loan amount tuh kn campor ngan insurans .(

 

[aidiryatim]

heheh.. takpe2.. dah selamat dh sign pon...
div jalan dari bulan 3.. interest tak tanyer plak.. alamak, bank scam gak ker... mcm maner calculation dia eh..

erm,.. drpd asb loan buleh di divest aper2 tak eh.. buat OD ker eh, refinance ke.. mate RM sungguh!~

div jln bulan 3? time sign agreement? ~X(~X(~X(~X(~X(..disburtsment bila? bulan 2 ker?
plak tu dijangka mula byr loan bln 5? erkkk.. cam x logik jerk~X(
(+)
awak da tgk statement bank awk? da tolak RM90? da masuk duit loan tuh x ?
ari nih 2 hb march.. div ASB jln utk 1 hb jer.. klu pun 29hb march masuk 100,000.. div bulan march RM0.00 tunaii

 

[WnB]

oooooooo ... baru sign agreement... kalau cam tu, tengok bila disbursment...

 

[aidiryatim]

klu duit loan masuk 31 jan hari sabtu(sabtu urusniaga ASB buka ker?)
ahad =1 feb still buka ke urusniaga ASB? so div jln ker?
~X(~X(..tgk2 masuk kt PNB statement 2 hb feb . cam ner nk cek kt PNB ek? dtg kt office PNB ker? adeii ..leceh nyer..
klu masuk kt acc PNB 2 hb feb.. bank mmg.. xreti nk jaga customer..

 

[tiaHadi]

actually, wat loan ASB tu rugi r... Bank kutip interest dr loan korang tu...maksudnye korang bayar lebih dr jumlah yg korang dapat..lagi untung klu korang sendiri yg simpan kat ASB, takyah wat loan.. Contohnye klu korang wat loan RM 10,000.. korang kene bayar RM 10,000 + interest dr bank - interest yg korang dpt dr ASB = Lebih dr RM 10,000 korang kene bayar n korang dpt pun tak seberape...

Klu korang simpan sendiri.. yg korang byr is RM 10,000 tambah plak dgn interest dr ASB.. Lagi untung...tak byr lebih..

 

[aidiryatim]

actually, wat loan ASB tu rugi r... Bank kutip interest dr loan korang tu...maksudnye korang bayar lebih dr jumlah yg korang dapat..lagi untung klu korang sendiri yg simpan kat ASB, takyah wat loan.. Contohnye klu korang wat loan RM 10,000.. korang kene bayar RM 10,000 + interest dr bank - interest yg korang dpt dr ASB = Lebih dr RM 10,000 korang kene bayar n korang dpt pun tak seberape...

Klu korang simpan sendiri.. yg korang byr is RM 10,000 tambah plak dgn interest dr ASB.. Lagi untung...tak byr lebih..

nih yg tgh difikir2 secara mendalam nih ... dr semua aspek.. loan leh untung klu interst nyer rendah dr div yg dpt..
aspek yg perlu diambil kira..
insurans tuh..
loan 50k.. insurans da 1000..
3 thn.. interest loan da cecah 1000.. cancel loan 3 thn.. bermakna kita rugi 2000 buta2 jerk..
untung dr loan average 1% setahun jerk.. (amik kira div 7% dan interest 6%).. klu 1% just 50,000*1%=500, 3 thn baru 1500..still rugi lg 500(..
nampak nya titik pulang modal loan ASB nih 5 thn((..
5 thn lama tuh.. klu makin naik BLR?(((
tu pasal ari tu dabel kompem ngan staff bank.. tul ke loan fix 5.25%.. aah.. pastu dpt letter offer BLR-1.35%((..staff

 

[fms]

mmg ler .tp..
diaorg nk bg tau ker cemana kiraan nih? baru tny 1 soklan seminit.. dtg plak 5 org tunggu dia..susah diaorg nk bg tau..sy pening da kira nih.. klu just loan amount tuh senang ja .. tp loan amount tuh kn campor ngan insurans .(

hehe..
aku pon x pasti mcm mane..
kene tgk statement balik..

 

[fms]

actually, wat loan ASB tu rugi r... Bank kutip interest dr loan korang tu...maksudnye korang bayar lebih dr jumlah yg korang dapat..lagi untung klu korang sendiri yg simpan kat ASB, takyah wat loan.. Contohnye klu korang wat loan RM 10,000.. korang kene bayar RM 10,000 + interest dr bank - interest yg korang dpt dr ASB = Lebih dr RM 10,000 korang kene bayar n korang dpt pun tak seberape...

Klu korang simpan sendiri.. yg korang byr is RM 10,000 tambah plak dgn interest dr ASB.. Lagi untung...tak byr lebih..

aku rasa persoalan ni dah lama dibincangkan..
mmg buat loan lebih baik dan dpt mendisiplinkan pelabur..

 

[fms]

nih yg tgh difikir2 secara mendalam nih ... dr semua aspek.. loan leh untung klu interst nyer rendah dr div yg dpt..
aspek yg perlu diambil kira..
insurans tuh..
loan 50k.. insurans da 1000..
3 thn.. interest loan da cecah 1000.. cancel loan 3 thn.. bermakna kita rugi 2000 buta2 jerk..
untung dr loan average 1% setahun jerk.. (amik kira div 7% dan interest 6%).. klu 1% just 50,000*1%=500, 3 thn baru 1500..still rugi lg 500(..
nampak nya titik pulang modal loan ASB nih 5 thn((..
5 thn lama tuh.. klu makin naik BLR?(((
tu pasal ari tu dabel kompem ngan staff bank.. tul ke loan fix 5.25%.. aah.. pastu dpt letter offer BLR-1.35%((..staff

loan aku BLR-1.5%..
jgn risau laa..
BLR naik income ASB pon naik sbb BLR ikut perkembangan ekonomi..
ekonomi bagus, BLR naik, ASB pon naik sbb saham sume naik..
ekonomi turun, BLR turun, ASB pon turun laa..xyah risau laa bab ni..

 

[aidiryatim]

loan aku BLR-1.5%..
jgn risau laa..
BLR naik income ASB pon naik sbb BLR ikut perkembangan ekonomi..
ekonomi bagus, BLR naik, ASB pon naik sbb saham sume naik..
ekonomi turun, BLR turun, ASB pon turun laa..xyah risau laa bab ni..

oo.tp titik pulang modal mmg >3 thn( >> anggaran je nih