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Reply #219 mayyonnizz's post
masa tu i tak pernah terfikir pun nak buat police report
tapi pengajaran buat i le - tak mo ambil cc dari oversea bank - ingat apply coz senang nak guna bila ada kat oversea...tapi hampeh
nope...i apply MBSB coz the rate they offer me yg paling lowest i.e 6% flat rate
so for loan amount RM216K - my monthly instalment RM1,397 |
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Reply #220 budakkecikgirl's post
tak.. my loan bukan rm 160,000
i tak ingat my loanberapa coz my hubby yg urus semua..
tp yg i igt... price umah i..rm 185,000-- i dapt loan 95% + mrta
sapa yg tahu kira tuh.. congaklah.. mahal kan?
MBSB tak bg we all 100% loan.. coz... we all beli kondo.. umah landed jer dpt 100% loan
[ Last edited by mayyonnizz at 12-4-2007 05:31 PM ] |
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Reply #222 mayyonnizz's post
Mayo beli kondo kat area mana???
Cam murah jer.... xde la...
kalau area KL nie, sure tak dpt kondo harga camtu??
Berapa besar umah tu???? |
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Reply #223 budakkecikgirl's post
i beli kat kota damansara.. rumah dia besar jugak..
3 rooms 2 bath... keluasan dia kalau tak sila.. 1104 sqf.. i dah gi tgok umah mmg besar lah.. kawasan pun sebelah selangor polo golf club.. mmg tenang dan aman....
yg penting kemudahan yg ada kat kota damansara.. tu.. yahoooooooooo.. tetiap minngu bley pg ikea
[ Last edited by mayyonnizz at 13-4-2007 08:28 AM ] |
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Reply #224 mayyonnizz's post
oooooooooo
kat area situ ker???
Mmg kecik pun aim kat area tu... bukan jea leh g ikea, leh g tgk wayang selalu...
shopping kat OU tu lg...best tu!!!!
Ok la kalau 1104sqf...besar gak la kan....
Mayo beli under construction lagi or umah yg mmg dah siap???? |
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Reply #225 budakkecikgirl's post
aim tuh aper.. hehehe
rumah tuh dah siap.. nt bila dah settle bayar semua boleh trus pindah masuk.. cf pun dh siap |
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aik!! takkan tak tau aper makna 'aim'...
camna nak cakap, erm cam target ler...lebih kurang la camtu maknanya...
ooooo...umah br ler...
best2, syoknyer leh pindah umah br....
[ Last edited by budakkecikgirl at 13-4-2007 08:54 AM ] |
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Reply #228 mayyonnizz's post
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Reply #195 amadeus's post
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thanx yer amadeus n k.juju.... |
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sis2 sekelian..
me nak tanya nih... ader saper2 amik loan umah ngan citibank x?
ok ker? |
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Reply #231 picme's post
juju dah serik dgn oversea bank ni  |
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Reply #232 Juju's post
ish udah la riso pulak nih...
mintak2 la jgn bank nih wat perangai..
sbb dah x der pilihan.... |
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Originally posted by budakkecikgirl at 12-4-2007 10:17 AM
Askum...kecik nak tanya ler pada forumer2 yg senior2 kat sini...
brp lama berkerja agaknya baru boleh beli umah..
Kecik dah keje dah kat 3 thn tp dah 3 kali tukar keje la... yg skrang nie dah nak kat sethn dah... teringin la jugak nak beli umah time muda2 nie.... Kalau beli umah harga dlm 150K, agak2 nya berapa monthly yek???
Sorry la, kecik nie xberapa arif dlm soaln beli2 umah nie..
...
Ini jawapan version aku.
First step. Pergi Check kat EPF (aku assume ko nie pekerja swasta)
kalau EPF ko dah cukup RM20K lebih..masa tu.mmg sesuai sgt beli umah.
skrg, ada kiosk. pergi print statement ajek.
kalau 3thn..selalunye tak cukup lagi duit dlm epf tu. RM10K pun tak sampai.
kalau ko pekerja gomen 3thn tu dah boleh apply housing loan utk mengikut tangga gaji. sgt senang kalau jadi pekerja gomen. pekerja swasta sgt susah. sbb kena deal dgn pihak bank.
Masa beli umah.
monthly payment tu ..sbnrnye perkara kecik.
perkara terbesar ialah downpayment utk umah+ duit lawyer (sama ada utk developer or utk bank) - masa nie lah nak guna duit EPF. jgn usik duit saving. rugi.
kalau umah dlm harga RM150K..itu bermakna..ko kena ada duit cash dlm tangan ialah RM15K (10%)
pastu kena standby RM5k utk duit lawyer utk developer. (ini roughly calculation aku. kalau salah..sapa2 tolong betulkan lah) |
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saper kata usik duit saving rugi....
ok per....bukankah beli rumah tu pelaburan....kan Hana kan.....
rumah-aset beku
simpanan- aset cair (errr..btol ker) |
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Reply #234 Hana's post
Erm..thanks Hana....
Duit EPF kecik rasa2 nya tak cukup kot lagi 10k.....
Rasa cam susah nak mintak loan kat bank kan kalau keje tak lama....
Nampak gaya, kecik kena kumpul duit dulu....maybe dlm 2 thn lagi boleh kot kecik beli umah....
tp kecik heran sbb kawan kecik, dia apply loan lepas jer....
masa dia apply loan tu dia br keje sethn.... |
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Originally posted by budakkecikgirl at 13-4-2007 03:09 PM
Erm..thanks Hana....
Duit EPF kecik rasa2 nya tak cukup kot lagi 10k.....
Rasa cam susah nak mintak loan kat bank kan kalau keje tak lama....
Nampak gaya, kecik kena kumpul duit dulu... ...
my friend beli apartment tau kat syeksen 7, shah alam. ada public transport.
gaji dia kecik. pastu dia apply loan bank.
nnt lah tanya dia. brp harga apartment dia.
kalau tak salah hana..dia nak sewakan apartment dia RM800 sebulan.
itu bermakna..dia byr ke bank misti lagi rendah dari RM800 tu. |
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Biasanya kalau apt kat Shah alam mesti dlm rega RM75k onwards.. |
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Originally posted by ajergiler at 27-3-2007 03:33 PM
boleh convert pegi government loan ker??
mcm mana crnya??
masa hubby kita beli rumah dulu pun amik bank loan
sbb baru keje sebulan...
tp cam x berbaloi plak nak convert pegi gov loan
sbb ...
a'aa..camana yer nak convert pegi gomen loan...
p/s: tny bg pihak abg ipar...sbb dia dah 30thn..nk tggu confirm..3 thn lg...sah2 umur pun meningkat.
so kitaorg cadang utk dia beli je rumah guna loan bank, pas confirm baru convert...
tp camana yer nak convert? |
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Post time 12-4-2007 05:25 PM
Author
