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Downpayment tinggi tapi bank nak standby garrantor

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Post time 16-7-2012 10:25 AM | Show all posts |Read mode
salam semua..
maaf sangat kalau saya buka thread di sini sbb tak tahu kat mana nak share perkara ni. Baru2 ni saya pergi ke perodua hajat hati nak beli alza premium auto. Saya letak downpayment rm17000 dengan gaji RM1656.00 bersih. bulan 7 ni baru naik gaji ke rm1710.00. lepas salesman masuk tuk loan kenderaan saya di cimb bank, pihak bank minta saya beri nama garrantor for standby. Kenapa ye? sedangkan saya tidak ada berhutang, slip gaji bersih dan bukan juga di blacklist mana2 bank.saya juga kakitangan kerajaan.kalau macam ni baik saya buat personel loan mark up 100k terus n bayar sebijik kereta tu lebih buat umah jek..saya hadap 1 hutang sampai pencen.boleh beri saya pendapat?
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Post time 16-7-2012 10:45 AM | Show all posts
-sekrng mmg mcm haram bro nk buat loan
semua loan diperketat mcm harammm
aku nk beli keta kelmarin hampir 4 bulan
ding - dong sana sini cr loan
6 bank rejek broooo
mmg gilaaaa broooo

ni tg ding dong lak da 2 bulan loan rumah aku
rejek sana sini pulakkk
mmg mcm haram nowww


regards
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 Author| Post time 16-7-2012 10:48 AM | Show all posts
bkn bro..hahaha
tapi sis...
actually xnak susahkan sape2 jadik garrantor ni. ape2 hal kite tanggung sendiri lah kan. punye ler cantik slip gaji bagai pasal nak loan,tanggungan pun xde..sendiri tanggung diri sendiri..apelahhh susah sgt2.bank rakyat tu ha berdesup offer personel loan 110k..sakit pale pikirkan
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Post time 16-7-2012 11:25 AM | Show all posts
Reply 3# caroc_cute


    Aikkkk..kakitangan kerajaan pun loan kene reject?
Leceh jg mcm ni
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 Author| Post time 16-7-2012 11:33 AM | Show all posts
bukan kene reject..dia interview mcm2 lepas tu tanye sape garrantor.aikk..mau xpelik punye lah kan sbb by july ni gaji dah rm1710 pun..d/p saya 17k tu bukan 10% lagi dah rasenyer 20% dah..monthly rm448.00 kalau dapat interest 2.85%..saya bukan ade utang ape2 pun just loan asb yg monthly bayar rm83 yg saya bayar rm90 lagi..siap terlebih bayar rm221 tau..
kalau staff gomen xde istimewa..nak buat loan goverment?mmg xnak lah,..mcm2 undang2nya
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Post time 16-7-2012 02:55 PM | Show all posts
mintak dealer tu try bank lain..
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Post time 16-7-2012 03:33 PM | Show all posts
shut be xde masalah tu...
bank tu banggang kot xnk amik org gov..
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Post time 16-7-2012 07:27 PM | Show all posts
Haaaaaaaaaaaa....sama kes kawan aku......nak beli Vios....D/P letak RM50K tuh....gaji bebulan dia bersih ( dia bgtahu la) dalm RM3+++ .Masih bujang....duk Rumah Mak....hutang kad rsnya mcm takder ...tp Bank kata siap gerentor...cam haram jahhhhh....

D/P skit punya tinggi tuh...
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Post time 16-7-2012 09:59 PM | Show all posts
alahai aku baru bercadang nak ambe myvi nie hah!...mau xlepas jugak nie
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Post time 16-7-2012 10:22 PM | Show all posts
skrg mmg ketat...aku penah mengalaminya semasa menguruskn kete abg aku.
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Post time 16-7-2012 10:42 PM | Show all posts
Skrang majority bank sume mintak gerentor laa
Senang diorg nak kejor, tak dpt owner..kejor gerentor plak
Lahanat bank ni
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Post time 17-7-2012 01:13 AM | Show all posts
Kena beli keta cash laa camnie...
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Post time 17-7-2012 01:50 AM | Show all posts
try laa bank laen.... mcm aku dulu nk angkat persona... dealer kete try Maybank... pun kene guarantor gak... gaji aku SGD convert RM pun ada masalah... byk gak laa dealer kete tu try sana sini... last2 Hong Leong gak yg sudi bg loan....

tp kalu mcm TT ni dh siap bg DP tinggi... melampau laa nak kene pkai guarantor.... masalah ni ramai yg sudi jd guarantor ni... even sedara mara sendiri... lg kan pulak kawan... even aku pun tanak jd guarantor org... dibuatnya org tu tak bayar... aku lak yg kene tanggung... dah laa utang sendiri pun tak tertanggung... kene beban utang orang lak....
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Post time 17-7-2012 08:14 AM | Show all posts
aku pun kena guarantor gak..
malas nak susahkan org..dia kata kalau x nak guna guarantor aku kena tambah dp lagi rm 5k..
nak tak nak buat jugakla... kuarla duit ASB aku RM5k ...
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 Author| Post time 17-7-2012 08:56 AM | Show all posts
Reply 6# rajawali1712
skang dia masuk bank lain pulak,...ari ni lah dok tunggu call bank
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Post time 17-7-2012 08:56 AM | Show all posts
ish2 susah bebenor nk wat loan kete skang....huhuhu..kalo loan utk mtr berkuasa tinggi sm gak ke hehehe
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 Author| Post time 17-7-2012 08:57 AM | Show all posts
Reply 7# serulingsenja

rata2 mmg cakap mcm tu kat saya..nape nak kene garantor bagai pasal d/p tinggi
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 Author| Post time 17-7-2012 08:59 AM | Show all posts
Haaaaaaaaaaaa....sama kes kawan aku......nak beli Vios....D/P letak RM50K tuh....gaji bebulan dia be ...
medangmru Post at 16-7-2012 07:27 PM



   sama lah ni cume beza gaji dia 3k..saya 1.7k jek..duduk umah parent lagi..sanggup simpan duit,butakan mata nak menyopping sbb nak bayar d/p tinggi..
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 Author| Post time 17-7-2012 09:01 AM | Show all posts
Reply 9# menjad
insyaallah awak lepas..maybe gaji awak xmacam saya rendah...saya mmg xmau garantor bagai ni,menyusahkan org.macam mana kite xnak jadik garantor org mcm tu jugak org lain.lainlah kalau parent..tapi saya mmg xnaklah senang cakap.ape2 kite tanggung,nape nak babitkan org lain..17k tu d/p pun bank teragak2 nak bg..apelerrr
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 Author| Post time 17-7-2012 09:02 AM | Show all posts
Reply 10# mzitdy
camne kete baru nak laku?senang cakap kete malaysia nak laku kalau ketat mcm ni..
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