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  #161 (permalink)  
Old 01-12-2010, 09:27 AM
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Originally Posted by ainarin View Post
sorry saya upkan balik thread ni

masih dlm dilema nk pilih bank mana
aritu walk in ke ING..terus ada sorg sales chinese woman approach..
after submit statements...dia tlg submit ke beberapa bank
loan amount 160k

result
ING kasi fix rate 5.25% : cover penalti n lawyer fees*175k
Alliance BLR-1.9% : current account,tk cover penalti,just extra 5k utk lawyer fee
CIBM Blr-1.6k

ingat nk amek alliance..kena pocket money 8k sendrik bayo plak
ok ke amek sekali current account ni
then..ada lg ke rate bank yg lg ok?
cuba check dgn bank..current acc tu ada monthly service charge tak?
klu ada nnt tetiap bulan dia akan tolak service charge tu dari acc...
so klu betul ada...jadi tetiap bulan kena bank in (monthly installment + monthly CA service charge)
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  #162 (permalink)  
Old 01-13-2010, 10:52 PM
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Salam,
Saya nak bertanya juga.Baru plan nak beli apartment dlm 138k gitu.Untuk downpayment rasa2nya elok ke kita gunakan akaun 2 KWSP?Sebab rata2 tgk perbincangan ni, guna ODASB lagi bagus jek.Mohon advise dari kekawan semua.
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  #163 (permalink)  
Old 01-14-2010, 01:48 AM
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Originally Posted by norzie View Post
Salam,
Saya nak bertanya juga.Baru plan nak beli apartment dlm 138k gitu.Untuk downpayment rasa2nya elok ke kita gunakan akaun 2 KWSP?Sebab rata2 tgk perbincangan ni, guna ODASB lagi bagus jek.Mohon advise dari kekawan semua.
ada 2 option :-

1. ada duit = leh guna ODASB

2. takde duit = kena la guna KWSP



p/s: tepuk dahi tanya hati......<-------aku quote dari blog bijak urus wang
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  #164 (permalink)  
Old 01-15-2010, 05:37 PM
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errr camner lak kalu keluarkan KWSP tu, masukkan dlm ASB pastu wat OD....lg untung x? ke xbole wat cmtu? nak wat ODASB ni lak,ade limit x bape paling minima smpanan ASB kita?
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  #165 (permalink)  
Old 01-15-2010, 05:45 PM
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Originally Posted by Z Hasa View Post
ada 2 option :-
1. ada duit = leh guna ODASB
2. takde duit = kena la guna KWSP
p/s: tepuk dahi tanya hati......<-------aku quote dari blog bijak urus wang
- ada duit ke tak ada duit...guna kwsp acc2 utk bayar downpayment...
- kalau ada duit...guna duit tu amik ASB dan kemudiannya buat OD ASB
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  #166 (permalink)  
Old 01-20-2010, 10:49 PM
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Originally Posted by akuss View Post
errr camner lak kalu keluarkan KWSP tu, masukkan dlm ASB pastu wat OD....lg untung x? ke xbole wat cmtu? nak wat ODASB ni lak,ade limit x bape paling minima smpanan ASB kita?
setahu saya limit RM11K

Quote:
Originally Posted by goldfinger View Post
- ada duit ke tak ada duit...guna kwsp acc2 utk bayar downpayment...
- kalau ada duit...guna duit tu amik ASB dan kemudiannya buat OD ASB
Ya,saya rasa nak try teknik GF ni.TQ ye..Lagi satu,sorry kalo luar topik.Bila kita beli apartment,elok ke beli parking sekali?RM10K untuk parking cam mahal jek..Plan nak buat untuk sewa jek pun.Boleh tolong bagi pendapat juga?
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  #167 (permalink)  
Old 01-21-2010, 01:16 AM
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Quote:
Originally Posted by ainarin View Post
sorry saya upkan balik thread ni

masih dlm dilema nk pilih bank mana
aritu walk in ke ING..terus ada sorg sales chinese woman approach..
after submit statements...dia tlg submit ke beberapa bank
loan amount 160k

result
ING kasi fix rate 5.25% : cover penalti n lawyer fees*175k
Alliance BLR-1.9% : current account,tk cover penalti,just extra 5k utk lawyer fee
CIBM Blr-1.6k

ingat nk amek alliance..kena pocket money 8k sendrik bayo plak
ok ke amek sekali current account ni
then..ada lg ke rate bank yg lg ok?

Try cek ngan affin bank.BLR dia 5.50 ja kalo xsilap n bleh dapat blr-1.8
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  #168 (permalink)  
Old 01-21-2010, 01:19 AM
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tmbh skit..hehe
affin bank tenure pon lama.bleh dapat cashflow bnyk..hehe
sy budak bru..
bru nk blaja..
salam perkenalan..
aritu ada post thread pasal loan jugak..hehe

nk tumpang tnya skit kt otai2 BJ, slalu legal fee untuk disbursement loan bapa ek?
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  #169 (permalink)  
Old 01-22-2010, 12:22 AM
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Originally Posted by budiman View Post
Try cek ngan affin bank.BLR dia 5.50 ja kalo xsilap n bleh dapat blr-1.8
saya dah masuk loan ngan affin bank rate dia BLR-1.9
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  #170 (permalink)  
Old 02-09-2010, 09:51 PM
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utk bank mcm cimb yg membenarjkan lawyer fee dimasukkan dlm loan, ada member buat kawtim ngan lawyre supaya bil jadi tinggi sket..... so, capital outlay akan jadi kurang......
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