nak mintak tolong sesape yang leh tolong untuk wat loan

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endingman86

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salam semue....
aku ade sorang member nie...keje GOMEN...

die nak kawin..jadi nakkan duit ler....firstly,die dah wat 2 loan....firstly loan kereta n second personal loan..
jadi full settlement untuk kereta ade lagi 40k lebih and personal loan lagi 11k.......jadik motif member aku nie....nak clearkan semue loan....n jadik satu loan jer lah....

tapi 2 loan tu semue wat potong gaji...Bank rakyat n BSN....bile di tanye ke bank rakyat....untuk Overlap....kelayakan maksimum die hanyalah 55k sahaja....jadi still x cukup lagi ler nak cover untuk kawin...ngam2 clearkan 2 loan tu jer....

Jadik mintak sesape yang otai or agen yang otai leh clearkan masalah nie...kalau dapat settle kan loan die nie n dapat tolong die bina masjid banyak pahala nieh....die cakap kalau leh adjust loan sampai 65k pun dah ok...sesapa leh tolong please info.....tq.... tak kisah ler....loan mane pun...okey....
 
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kni

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salam semue....
aku ade sorang member nie...keje GOMEN...

die nak kawin..jadi nakkan duit ler....firstly,die dah wat 2 loan....firstly loan kereta n second personal loan..
jadi full settlement untuk kereta ade lagi 40k lebih and personal loan lagi 11k.......jadik motif member aku nie....nak clearkan semue loan....n jadik satu loan jer lah....

tapi 2 loan tu semue wat potong gaji...Bank rakyat n BSN....bile di tanye ke bank rakyat....untuk Overlap....kelayakan maksimum die hanyalah 55k sahaja....jadi still x cukup lagi ler nak cover untuk kawin...ngam2 clearkan 2 loan tu jer....

Jadik mintak sesape yang otai or agen yang otai leh clearkan masalah nie...kalau dapat settle kan loan die nie n dapat tolong die bina masjid banyak pahala nieh....die cakap kalau leh adjust loan sampai 65k pun dah ok...sesapa leh tolong please info.....tq.... tak kisah ler....loan mane pun...okey....
kesilapan dia ialah buat loan kereta pakai potongan gaji...
kalau dia tak buat potongan gaji.. dia ada byk boleh buat...

cuba PM kat aku detail gaji dia...

1. gaji kasar.
2. elaun tetap.
3. DETAIL semua jenis potonganDALAM SLIP GAJI SHJ.
4. amount personal loan yg dia dah pinjam & tempoh(bulan) yg sudah dibayar..
 

hairul123

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Rugi kalau re-finance kereta ni sbb Interest dia dah termasuk dalam jumlah loan. Takde makna kau wat settle ment, kecuali re-finance dan panjang kan tempoh loan. cara ini maybe akan kurangkan bayaran bulan, tp x kurangkan jumlah interest.

Bukan apa, Loan kereta ni, kalau kita refinance, akan jadi interest atas interest yakni loan kete yg dah termasuk interest akan di kenakan interest sekali lagi atas jumlah loan.

Loan kereta x sama cam loan rumah. Tp tak tau lah kalau ada skim loan kete yg sama terms cam loan rumah.

Kalau nak buat personal loan utk kereta tak berbaloi, sbb interest personal loan tinggi dari loan kereta. Cara terbaik, wat overlap personal loan sudah memadai atau apply personal loan yg lain tutup personal loan sedia ada tanpa potongan gaji.

Ini pandangan saya aje.. kalau salah betulkan..
 

MOD jr.

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try koperasi bro
 

endingman86

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Rugi kalau re-finance kereta ni sbb Interest dia dah termasuk dalam jumlah loan. Takde makna kau wat settle ment, kecuali re-finance dan panjang kan tempoh loan. cara ini maybe akan kurangkan bayaran bulan, tp x kurangkan jumlah interest.

Bukan apa, Loan kereta ni, kalau kita refinance, akan jadi interest atas interest yakni loan kete yg dah termasuk interest akan di kenakan interest sekali lagi atas jumlah loan.

Loan kereta x sama cam loan rumah. Tp tak tau lah kalau ada skim loan kete yg sama terms cam loan rumah.

Kalau nak buat personal loan utk kereta tak berbaloi, sbb interest personal loan tinggi dari loan kereta. Cara terbaik, wat overlap personal loan sudah memadai atau apply personal loan yg lain tutup personal loan sedia ada tanpa potongan gaji.

Ini pandangan saya aje.. kalau salah betulkan..
pandangan yang bagus nie...aku nak suh cadangkan die wat camnie gak...tapi masalah pulak...kalau 2 loan potong angkasa...memang leceh ler...huhuhu...kalau koperasi 70k pun leh adjust...tapi 2 angkasa amat susah agen nak clear kan...kalau loan kete tak clearkan...clear personal loan sahaja pun.....still susah jugak...any good idea meh???pening kepala aku....takkan aku lak nak bagi loan kat die???karang percent lagi tinggi...hehehe:D
 

endingman86

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kebanyakan yang leh tolong semue prefer clearkan personal loan jer...tapi still ade 2 potongan angkasa nanti...n yang boleh dapat pun maksimum kalau clearkan rm50-60k sahaja...nak dapat 60k tu pun tipis.....huhu...katekan kalau dapat 60k tu still tak dapat nak gune untuk kawin member aku tueh...any idea....dapat 65k ke 70k ke...ok ler......ade leh tolong lagi x?koperasi ok x???
 

mohdnor

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kebanyakan yang leh tolong semue prefer clearkan personal loan jer...tapi still ade 2 potongan angkasa nanti...n yang boleh dapat pun maksimum kalau clearkan rm50-60k sahaja...nak dapat 60k tu pun tipis.....huhu...katekan kalau dapat 60k tu still tak dapat nak gune untuk kawin member aku tueh...any idea....dapat 65k ke 70k ke...ok ler......ade leh tolong lagi x?koperasi ok x???
cube bagi
1)total gross pay
2)total deduction-perincikan jenis2 potongan
pinjaman dan insuran
 
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