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tawon lepas BLR 6.75 , s'rang BLR 6.8 |
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blue_berry This user has been deleted
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nak tanya, berbaloi x kalo refinance kt MBSB.
then ade x syarat2 nak refinance rumah?
senang x nk approve? |
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Reply #155 Hana's post
ada ker aku ckp..pasai" desparate nak kawin"
ya ampun... marah tak bertempat |
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Reply #164 Juju's post
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last week tanya member keje bank, mcm tu la dia bgtau.... |
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Reply #164 Juju's post
hi.. k.juju..
i nak tnya la pasai.. pekebendanya tuh... mlta?.. mrta?..
kalau combine loan somi isteri.. rumah pun nama 2 org... mlta tuh.. kena 2-2 org amik ker sorg jer yg amik .. mana elok...
kalau 2-2 orang amik.. incase jadik pape kat sorg.. yg sorg lg tuh.. kena bayar 50% kan?...
u boleh terangkn sikit tak..  |
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Reply #166 mayyonnizz's post
nak tolong jawap ble dak.... hehhehhe..nyibuk jer aku ni....
tak perlu amik 2-2, salah sorang ja... tp kalau nak amik 2-2 uish...byk gak tu nk kena bayor.....
mcm saya combine ngan kakak, tp MRTA tu atas saya...sebab kalao umo muda charge dia murah sket....bese la insuran kan macam tu..lagi tua lagi mahal kena bayo...(ishhhh..mcm la yg muda lambat mati kan...)
yg pasal 50% tu tatau plak.. may b juju ble jawap. |
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Reply #166 mayyonnizz's post
mayyo
my 1st house - 2 nama- so dua2 ambil MRTA under MNI but this one if anything happened to us - my husband punya portion will settle the loan amount & my portion will convert to life insurance which my kids will get the money equivalent with the loan amount of that house.
if not mistaken kalau ambil MRTA - from bank - if anything happen to ur husband, then u need to pay 50% loan to the bank. Let say your monthly instalment RM1K, then u need to pay RM500
Better took from insurance company for MRTA which can converterd to life insurance |
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thanxs to both of u..
actually i ni tak paham lg lah...
let say.. i beli umah , i buat loan dgn UOB bank or MBSB... yg MRTA tuh.. i boleh amik dr memana jer ek?..
so, kalau rumah tuh nama my hubby, mrta tuh boleh buat nama i.. coz i lebih muda?..
& kalau amik atas nama i sorg jer... kalau paper jd kat husband i.. effect dia cemana?...
or sumthing happen to me.. pe lak yg jadi?
& kalau amik yg version insuran dgn mni tuh.. harga dia mahal dr bank biasa?
sowi byk tanya.. almaklumlah 1st time.. k.juju dah banyak kali beli umah kan.. |
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Reply #169 mayyonnizz's post
untuk rumah - better letak 2 nama. If anything happened senang nak bagi 2 which consider as harta sepencarian.
Untuk loan rumah lak - if letak nama ur husband, the ur husband yg kena bayar MRTA . Ur nama additional for MRTA - not necessary. So kalau MRTA nak guna ur name, make sure home loan pun under ur name.
Kalau ambil atas nama u sahaja...if anything happened to ur husband...yet you still pay the same amount for your monthly instalment.But if anything happened to u - then ur husband need to pay 50% only coz 1/2 payment already covered by MRTA
Tujuan MRTA nie untuk meringankan beban salah satu pihak jika berlaku sesuatu kejadian yg tidak diingini.
So far MNI punya calculation untuk MRTA sama je - lagi tinggi usia u - the lagi mahal MRTA nie tapi MRTA nie hanya bayar sekali seumur hidup....bukan tiap2 tahun |
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Reply #170 Juju's post
ok.. thanxs k. juju..
baru phm sikit... |
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Reply #170 Juju's post
Untuk loan rumah lak - if letak nama ur husband, the ur husband yg kena bayar MRTA . Ur nama additional for MRTA - not necessary. So kalau MRTA nak guna ur name, make sure home loan pun under ur name.
... mcm u ckp kat atas nih... if loan my husband.. tp klau combine loan i dgn dia..& gaji dia lebih besar ?.. we both kena maik mrta.. or boleh pilih sorg jer? |
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Reply #172 mayyonnizz's post
untuk home loan - kalau letak 2 nama, MRTA boleh letak salah satu nama je. But advisable ambil 2 MRTA - yet bergantung pada budget masing2.
MRTA nie kalau kita jual rumah tu - boleh claim balik duit MRTA.
p/s my house 2 biji je - bukan banyak mana pun |
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Reply #155 Hana's post
Bagi juju ajal, maut jodoh tu semua di tangan Allah.
Tak de istilah TER dalam kehidupan nie. Jangan menyesali apa yg telah kita alami tapi perbaiki diri kita ini. Tak kira dalam apa jua yg kita buat samada perkahwinan, beli rumah dah sebagainya |
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kalau dgn Bank Islam ada lagi pangge insuran Takaful Gadaian Janji.... |
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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..
harap2 sapa2 boleh membantu
[ Last edited by budakkecikgirl at 12-4-2007 10:18 AM ] |
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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 n ...
Civic keja selama 9 tahun baru dapat bina rumah...
Selama 9 tahun tu menyewa je kejanya... |
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Reply #174 Juju's post
betul k. juju.. mayyo sokong 100%...
tak boleh salahkan jodoh & takdir... jodoh pun tak dtg sendiri... tp kalau pasai nak buat harta mmg kena piker lah.. mampu ker idak...
kalau dah jodoh terima jerlah.. kan org kata pompuan baik dapatlah laki yg baik... hehehe just my 2 kilo... |
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Reply #177 CivicSI's post
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its better late than never.. hehehhe.. tak per.. simpan duit.. nt boleh beli umah besar |
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Originally posted by mayyonnizz at 12-4-2007 10:41 AM
its better late than never.. hehehhe.. tak per.. simpan duit.. nt boleh beli umah besar
Ya .. bagus tu.. set your target and priority...
bila dah dapat tu.. satu kepuasan.. cuma kena lah follow strict planning |
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Post time 11-4-2007 11:39 AM
