Bank Rate for completed houses

kerang_busuk · Post time 10-7-2006 12:00 PM

assalamualaikum

ada sesiapa yg tahu pasak bank rate for complete house tak?
yg i dapat

Bank Muamalat
1st yr - 3.99
2nd yr - BFR + 0%
3rd yr onwards - BFR + 0.5%

Maybank
1st yr - 2.37
2 -4 yr - BLR -1.0
5 - 10 yr - BLR -0.1
11 onwards - BLR - 0.20%

tehbunga · Post time 10-7-2006 02:56 PM

BSN (Islamic)
1st yr = 2.95%
2 - 10 yrs = 6.5%
11 - onwards = 7.75%

Juju · Post time 10-7-2006 03:48 PM

Direct Acess

1st - 3 years - 5.5% fixed
4 years onwards - BLR - 0.5%

p/s apply for Gold/ Platinum Direct Acess Credit Card only

shahemma · Post time 11-7-2006 03:29 PM

i pun dok cari la nie...

mbsb berapa ek?

joelerry · Post time 24-9-2007 05:21 PM

kalau kakitangan kerajaan plak cmna..

yantisa · Post time 24-9-2007 10:01 PM

cuba semak kat sini..

http://pinjaman.treasury.gov.my/bbalik.php

CivicSI · Post time 27-9-2007 10:01 AM

Kepada sesiapa nak tahu perbandingan bank conventional and islam sila ke sini -->>

http://zaharuddin.net/index.php? ... d=587&Itemid=72

Conclusion.. kita tak boleh compare apple to apple.

scorpio80 · Post time 27-9-2007 11:50 PM

saya setuju ngan pendapat CivicSI

Baru jer lulus loan rumah ngan bank islam

1st year - 3%
2nd year - 5%
3rd onwards - 7.5%

wat loan islamic ni sebenarnya kita tahu kemampuan kita utk byr balik loan. maklumlah, jangkamasa 20-30 tahun akan dtg, mcm2 perkara boleh berlaku...

not.around.Jack · Post time 1-10-2007 11:50 AM

rumah brp ribu?

boleh x sesiapa tolong kira..
kalo rumah 120k (completed house) ..loan 25 thn...bayar bulan brp?

joelerry · Post time 1-10-2007 11:54 AM

byknye sampai 7.5% untuk 3rd year onwards..saya tak berapa jelas lah dgn loan islamic ni..maksudnye takde interest dr bank ke??..

waksir · Post time 1-10-2007 12:52 PM

Originally posted by joelerry at 1-10-2007 11:54 AM
byknye sampai 7.5% untuk 3rd year onwards..saya tak berapa jelas lah dgn loan islamic ni..maksudnye takde interest dr bank ke??..

nape islamic loan, interestnye lbh tinggi drp konvensional?
alasan yg selalu diterima adalah kadar interest yg tetap. Maknanye kalau BLR naik, bayaran bulanan masih lg tetap sama. Tapi camne plak, kalau BLR turun?
katakan ada org amik islamic loan 10th je ....... & masa amik dulu 8%, so bila ekonomi baik dlm masa 10th tu, rate dah makin turun kpd 7% ........ so, kira rugi la peminjam tu kan.

scorpio80 · Post time 1-10-2007 02:36 PM

house price 130K+
90% loan about 118K+
30 years

installment
1st year - RM312
2nd year - RM520
3rd onwards - RM891

rasanya untuk loan 120K for 25 years dlm range tu jugak la

scorpio80 · Post time 1-10-2007 02:54 PM

rasanya waksir's tidak memahami betul2 konsep islamic loan

sebenarnya islamic loan jugak ada panduan rate mcm BLR dlm konvensional loan tetapi dipanggil BFR (Base Financial Rate).

bezanya, sekiranya BFR turun bank islam akan memberi diskaun. cthnya kita wat loan 8% then BFR turun 7% so, diskaun akan diberikan. tetapi sekiranya BFR naik 9% kita tetap akan membayar utk 8% shj. itulah antara kelebihan islamic loan berbanding konvensional.

sila rujuk link ni
http://zaharuddin.net/index.php? ... d=587&Itemid=72

waksir · Post time 1-10-2007 04:18 PM

bayar balik masa bila tu .......... masa dah abis bayar loan ke?

apsal rate islamic loan lbh tinggi drp konv. loan ........ adakah sbb meramalkan yg interest akan naik, so kasi up skit rate utk cover nnt

joelerry · Post time 1-10-2007 05:39 PM

Reply #9 scorpio80 post

house price 130K+
90% loan about 118K+
30 years

installment
1st year - RM312
2nd year - RM520
3rd onwards - RM891

rasanya untuk loan 120K for 25 years dlm range tu jugak la

kalau i buat loan kerajaan pulak berapa i kena bayar monthly kalau sama mcm 120K tu..kerajaan punya 4% flat kan dari mula sampai habis?..betul ke tak ye..tak berapa tahu la..

agak2 berapa monthly tu..ingat nak buat loan bulan 11 ni sbb dah ada org nak jual rumah dia..mintak tolong sgt2..

dealova77 · Post time 1-10-2007 05:52 PM

Originally posted by joelerry at 1-10-2007 05:39 PM
Reply #9 scorpio80 post

house price 130K+
90% loan about 118K+
30 years

installment
1st year - RM312
2nd year - RM520
3rd onwards - RM891

rasanya untuk loan 120K for 25 years dlm r ...

joelerry....

kalau gov loan monthly u kena bayar dalam RM6++

btw leh cek kat web ni.. ada calculation dia.. u leh dapatkan berapa ekceli kena bayar bulanan nanti...

http://pinjaman.treasury.gov.my/bbalik.php

joelerry · Post time 2-10-2007 01:52 PM

kalau yg bank islam tu berapa pulak pinjam 125K..untuk bayar monthly..mmg takde unsur riba kan..

biscuit_merie · Post time 2-10-2007 04:36 PM

islamic konsep berbeza dgn konvensional dr segi akad..
cth yer..awk beli umah rm100k ..bank beli umah tu dgn harga 100k dan menjual kpd awk dgn harga rm300k ..so awk kena bayar based on harga 300k tu la...kira itu akad la...bkn interest ..kira tu bank untung rm200k ..

kalo konvensional..awk pinjam dr bank rm100k..dan byr semula dgn kadar interest yg ditetapkan

joelerry · Post time 2-10-2007 05:34 PM

Originally posted by biscuit_merie at 2-10-2007 04:36 PM
islamic konsep berbeza dgn konvensional dr segi akad..
cth yer..awk beli umah rm100k ..bank beli umah tu dgn harga 100k dan menjual kpd awk dgn harga rm300k ..so awk kena bayar based on harga 30 ...

mak aihh mahalnye..boleh ke kira mcm tu..so mcm mana kita nak tau berapa harga kita kena bayar..

biscuit_merie · Post time 3-10-2007 08:09 AM

dlm offer letter/agreement mmg dah state kan harga yg bank jual kepada kite....
ini kire terjamin la sbb harga dh fix..kalo konvensional..awk bergantung dgn BLR semasa yg kdg2 bole melambng sehingga 12-14% tak salah sy ..
mmg la awk byr every month jmlah yg sama tp jumlah tahun pinjaman akan dipanjangkan..