maaf kalo aku mencelah..
mana lagi untung kalo setelkan CC dengan cara ni atau buat personal loan pastu setelkan...aku x paham sgt system yg tuan tanah terangkan ni...
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AlRajhi - 8.5% (Normal Profit Rate)
Loan = 10k
Monthly = 487
24 Months = 24x483=11688
Overall = 11688 - 10000 = 1688
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JL First - 18% (Depends on which bank)
Outstanding = 10k
Total = 10k + 18% = 10k + 1800 = 11800
10000/24 = 416.67 per month (Not including one time processing fee)
11800/24 = 491.67 per month (Including one time processing fee)
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Kalau kita tgk beza tak byk pun dgn personal loan yg kita buat...
Tapi igt...personal loan kalo kita buat bermakna komitmen kita dgn bank bertambah...
Ini bermakna personal loan kita tuh akan dijadikan sebagai benchmark jugak kalo kita nak buat loan2 yg lain contohnya loan rumah atau loan kereta...
jadi fikir fikirkan lah...