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  #141  
Old 06-07-2019, 11:47 AM
lundai lundai is offline
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PART 26
Flat rate dan effective rate. Mana lagi bagus?


Boring2 arini sembang sikit pasal interest rate lah... Mungkin xramai tahu pasal flat rate dan effective rate ni.. Mungkin ingat mcm sama je...

Mostly loan rumah dia base on effective rate rate.. Let say interest rate dapat 5%. So 5% tu adalah dikenakan atas baki hutang.. Semakin hutang berkurang, makin kurang la interest yg dikenakan..

Manakala Personal Loan, Loan kereta, biasenye dikenakan flat rate rate.. Contoh mcm Personal Loan yg aku dah buat ari tu, kena 7.88% flat rate.. Rate yg dikenakan atas loan amaun yg kita pinjam. Usually ni senang nak kira pakai kalkulator la.. Sbb direct je..

So apa beza sgt kat flat rate dan effective rate.. Sebenarnya, flat rate lebih mahal. Anggaran almost dekat 2 kali ganda dari effective rate.. Atau lebih kurang dekat 1.92 bezanya..

Macam mana tu? Contoh simple la aku amek..
Kalo bank tawarkan flat rate 5%. Ianya adalah bersamaan dekat 10% effective rate.. Hampir sekali ganda.. Bayangkan kalo dapat flat rate 10%, ianya dekat2 20% effective rate.... Tinggi tu..

Google je mcm mana nak convert.. Ada la kalkulator yg keluar.. Skarang dah mudah.. Paling senang mcm aku cakap tadi just agak2 kali 2 je.. Lebih kurang la..

Jadi pahamkan interest rate yg anda nak apply loan tu... Jgn ingat rate rendah tu murah tapi cumalah sbb kita x tau je..
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  #142  
Old 12-07-2019, 11:59 PM
lundai lundai is offline
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TESTING PELABURAN BARU
Futures Crude Palm Oil (FCPO)

Skang ni tengah testing cabang investment baru plak.. FCPO... atau bahasa melayu nye pasaran hadapan minyak sawit mentah..

Apekebendanye nih... Malas nak explain, korg google je lah ye.. Dia mcm saham gak la.. Cuma saham ni dia sehala je cara keuntungannye.. Kira beli saham, then bila harga naik, jual, so untung kat situ la.. Kalo harga saham turun, jadi rugi lah...
Tapi fcpo ni dia bole trade 2 hala.. Kalo harga naik bole jadi untung, harga turun pun bole jadi untung.. Dan juga sebaliknya... Jadi kena tau entry nak masuk kena betul..

Actually bukan baru la bg aku.. Tahun lepas aku dah try dah bukak akaun dan trade fcpo ni.. Main pakai redah je.. Baca2 google sikit, try on the spot terus.. Baru la cepat paham.. Maka sebab tu lebur la dekat 5k jugak...

Masa tu bukak deposit letak 10k je dah bole trade.. Malas nak gi kelas2 sifu sifan ni.. Caj mahal.. Ntah betul ntah tidak.. So buat research sendiri je.. Dekat 4 bulan jugak, try2, lebur 5k..pastu keluarkan baki duit tu, malas dah nak trade fcoo.. Ku ingatkan kacang, rupenye susah jugak... Kahkahkah.. Pikir2 mungkin bukan minat kot dan malas benornya nak baca2 teknikal indicator la yg byk la tu.. So lepas tu stop la trade fcpo ni...

Pastu tahun ni nak try semula la.. Tapi gagahkan jugak baca2 fb, google2... Dan paham la sikit2 pasal indicator2 ni.. Teknikal indicator ni ade byk, tapi x perlu pun nak tgk semua.. Just pilih 2 atau 3 jenis je, dan try dulu.. Try pun bukan terus trade real.. Buat paper trade dulu, tgk mana indicator yg sesuai dgn jiwa.. Dah jumpa, terus aku trade real punya.. Kehkehkeh..

Tapi biase la, trade atas kertas x sama mcm trade real.. Byk main emosi.. Kena kuat sbb walaupun dah ada cara sendiri taoi kekadang trade guna emosi jugak.. Abislah...

So start trade dalam tgh bulan 6 ari tu... Abis bulan 6, dalam masa 2 minggu je, dah loss rm900.. Adoii.. Masih mencari rentak dan tukar indicator lain plak.. So statement bulan 6, ada loss rm900..

Masuk bulan 7 ni, dah bole dapat rentak sikit2.. Aku cuba pakai cara paling senang.. Kate omputeh, keep it simple ******.. Xyah tgk chart byk2, xyah pakai indicator byk2, just pahamkan 2 atau 3 indicator je dan try.. Alhamdulillah, baru 2 minggu trade pada bulan 7 ni, ada profit rm2500.. Woohoo.. Mcm x caya plak.. Harap2 berterusan la sampai hujung bulan nanti.. Bukan xde loss bulan 7 ni, tapi profit lebih dari loss.. So tgk nanti hujung bulan.. Bole maintain profit ka, atau jadi loss balik..

Study lagi sikit pasal indicator lagi.. Adios.. Oh ye, fcpo ni patuh syariah lagi, so no worries and no was2 ye.. Hehehe..
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  #143  
Old 16-07-2019, 01:54 PM
lundai lundai is offline
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STATEMENT RUGI

Ni statement fcpo bulan jun.. Ari 1st je dah rugi rm225..keh keh keh... Adoiii.. Hujung bulan siap dah cecah loss rm900.. Siap ade paper loss rm200..

Try setting lain pulak untuk julai.. Tapi, biase la, memula ikut setting, tapi emosi tu kuat x kuat je.. Mmg nak kena disiplin... Kalo bulan julai pun loss jugak, tutup akaun la jwbnye... Mungkin x sesuai dgn jiwa kot..

Kita try dulu..



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Last edited by lundai; 03-08-2019 at 12:46 PM..
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  #144  
Old 16-07-2019, 02:02 PM
silverchair959 silverchair959 is offline
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ada kenal banker selain cimb ambank public rhb tak ? nak submit loan
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  #145  
Old 16-07-2019, 04:15 PM
lundai lundai is offline
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Quote:
Originally Posted by silverchair959 View Post
ada kenal banker selain cimb ambank public rhb tak ? nak submit loan

ada mbsb bank...nanti saya msg
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  #146  
Old 16-07-2019, 05:16 PM
silverchair959 silverchair959 is offline
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Quote:
Originally Posted by lundai View Post
ada mbsb bank...nanti saya msg
pm sy tuan...atau boleh direct whatsapp sy 0143434433
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  #147  
Old 21-07-2019, 05:47 PM
redjinx redjinx is offline
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Salam tuan lundai, terima kasih jawap soalan saya..loan sudah lulus

- Total loan amount rm 236,373.00 (including mrtt rm 4623.00 for 15 years), cadang nak jual lepas 10 tahun. Harap tak berisiko..
-
- 4.55% so, 1126/month 35 years

- Rumah ini targetnya nak disewa setelah disiapkan. Bulanan ke bank sedukit tinggi dari pasaran, harus fikir dalam 2 tahun ni utk strategi yg sesuai.

Jadi, soalannya :

1) Loan atas nama saya, MRTT pun cover nama saya, tapi sebabkan booking wife saya buat jadi SNP akan jadi 2 nama ke bagaimana?

2) Dan kalau SNP dua nama, apa kesan jikalau mahu dijual setelah 10 tahun. Perlu persetujuan 2 pihak..begitu?
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  #148  
Old 22-07-2019, 11:53 AM
lundai lundai is offline
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Quote:
Originally Posted by redjinx View Post
Salam tuan lundai, terima kasih jawap soalan saya..loan sudah lulus

- Total loan amount rm 236,373.00 (including mrtt rm 4623.00 for 15 years), cadang nak jual lepas 10 tahun. Harap tak berisiko..
-
- 4.55% so, 1126/month 35 years

- Rumah ini targetnya nak disewa setelah disiapkan. Bulanan ke bank sedukit tinggi dari pasaran, harus fikir dalam 2 tahun ni utk strategi yg sesuai.

Jadi, soalannya :

1) Loan atas nama saya, MRTT pun cover nama saya, tapi sebabkan booking wife saya buat jadi SNP akan jadi 2 nama ke bagaimana?

2) Dan kalau SNP dua nama, apa kesan jikalau mahu dijual setelah 10 tahun. Perlu persetujuan 2 pihak..begitu?

4.55% tu kire murah dah interest rate tu.. Saya biase dapat 4.85%..sbb saya xcari bank mana bagi interest rendah tapi saya cari bank mana bole bagi dsr tinggi.. So terpaksa la terima berapa rate yg bank tu bagi..


1) biasenye booking tu xde la related sgt dgn SNP.. Kalo loan bole lepas, booking nama org lain, SNP nama org lain pun bole.. Dia jadi masalah kalo loan xlepas..

Yela, pemaju/agen mesti bgtau kalo loan xlepas, duit booking tu akan dipulangkan la.. Tapi, penah tanya tak, jika loan lepas, tapi nak kensel beli, ada caj tak?? Haaa.. Jadi kalo yg booking tu x apply pun loan, mcm mana dia nak tunjuk bukti cakap loan dia direject? Nanti pemaju/agen bole la caj management fee ke..

Tapi kena bgtau la awal2, SNP tu nak 2 nama atau sorg... Selagi belum sign SNP tu, bole je tukar apa2 kat agreement tu.. So bgtau awal2 kalo nak letak 1 nama.. Kalo dah sign SNP tu, mmg dah xbole nak buat apa2 la..

2) yup, kalo SNP 2 nama, dua2 kena setuju utk buat apa2 kat rumah tu.. Nak jual ke, refinance ke, dua2 org kena setuju.. Kalo nak jual nanti, cuma caj kat lawyer fee tu ade lebih sikit la berbanding kalo satu nama je kat SNP...sikit je la, xbanyak mana pun.. Sbb lawyer nak kena buat carian atas 2 org.. Dan bukan sorg..so, ade lebih kat fee tu nanti...
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  #149  
Old 03-08-2019, 12:19 PM
lundai lundai is offline
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UNTUNG SIKIT, TAPI BELUM BALIK MODAL..

Ni statement bulan 7. Ada untung sikit tapi still x balik modal... Kalo 25hb & 26hb tu xmasuk trade, untung banyak sikit la... 2 hari tu je dah loss 1.8k..aduiuiii...

Hati kena kuat.. Bukan kuat apa, kuat kena tahan xyah trade kalo xpasti.. Kena kuat kalo dah rugi cepat2 cutloss.. Jgn pegang lama2...

Well, pengalaman akan mengajar kita utk jadi lebih baik..

alamak...Tetiba xleh nak post attachment secara direct plak kat sini... ok dah bole post gambo..


https://i.imgur.com/HwPljjT_d.jpg?ma...idelity=medium

Last edited by lundai; 13-08-2019 at 02:09 PM..
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  #150  
Old 03-08-2019, 05:26 PM
lanforex90 lanforex90 is offline
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Quote:
Originally Posted by lundai View Post
Saya try apa yg saya tahu.
1) Dah paham, oklah.

2) Ada 2 kemungkinan,

No satu, Maksud dia sama mcm no. 1) yg awak paham tu... Loan 90% dan dpt rebet 10%, jadi la konon2 loan 100%. Kire xyah keluar deposit la.. Sebab kena paham, bukan semua bank akan bg 90% loan ye..mungkin bank bg 80% loan je, mungkin 70%, bergantung pada profile kewangan awak dan guideline bank lah.. Bukan semestinya bank akan bg 90% loan.

No. Dua, kalo ni rumah pertama, ada bank yg tawarkan skim rumah pertamaku dgn bagi loan 100%. Jadi kalo dpt mohon skim ni (ada syarat2 kena ikut la), maka rebet 10% tu awak akan dpt mcm cashback la.. Ye, installment tinggi sikit, mungkin lebih dalam rm120++ je sebulan tapi bole dpt cash rm25,700.

3) xpasti plak kalo diskaun ade tulis dlm SNP. Mungkin dalam form lain pun bole. Biase dlm letter offer to buy kot je dia tulis.. Tu terpulang pada pemaju la bila dia nak bg.. Biasenye, bila VP la(masa amek kunci) sbb pemaju pun dah dpt 95% duit progress payment dari bank. Kalo bg awal2, rugi la dia, baik dia pakai utk bayar kontraktor dulu ke..

4) Nanti sambung...
Minta pendapat tt
Kalau rumah pertama dah buat loan 90% pastu dah flip dah jual balik dah dapat cash pastu dah beli rumah cash masih layak ke untuk skim rumah pertamaku 100% loan? Sebab sekarang kira dah xde komitmen loan rumah so plan nak beli rumah 1 lg utk pelaburan guna loan skim rumah pertamaku 100% loan ataupun lebih baik remortgage rumah yg beli cash tu
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