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noraidil_06 replied at 23-4-2017 02:06 AM
i bought my car at rm275k. last yr mcm nk trade in.org offer rm90k je! rasenye kereta tu dlm 4 thn ...
Lesson learntsangat kan. Belu keta ni kena tgk ga maintenance resale value
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Duta lover replied at 22-4-2017 11:14 PM
Depends jugak sis.
Rumah tu lokasi kt mana..
Aku bg contoh..taman perumahan aku stay kt melaka.k ...
Ya betul gak.. at least u could keep it for ur children kalau pon skrg tak tke off lagi area tu |
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noraidil_06 replied at 23-4-2017 02:06 AM
i bought my car at rm275k. last yr mcm nk trade in.org offer rm90k je! rasenye kereta tu dlm 4 thn ...
Kereta apa tu sis...mcm jatuh benor valuenya ..baru 4 tahun kan  |
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lesprincesse replied at 24-4-2017 09:48 AM
Lesson learntsangat kan. Belu keta ni kena tgk ga maintenance resale value
that car is good. so x nyesal la beli.cume x jual la.sbb rase mcm.bg free kt org. |
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pocongkiutss replied at 24-4-2017 09:53 AM
Kereta apa tu sis...mcm jatuh benor valuenya ..baru 4 tahun kan
volkswagon sharan. tu value nz wheel or sthg yg bagi.sbb i nk beli kereta lain ms tu.kut la blh trade in. |
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jess1205 replied at 22-4-2017 11:39 PM
Wowwww....Banyak nya duit Dayang.. Tapi tak heran pon kan, sebab Dayang hp pon xdak.. Baru jer set ...
X pakai henpon?sebab apa? |
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aku suka komen ko.
serius tak paham org ckp rumah tu liability.
habis kok rumah yg disewakan je kira aset, ko sendiri, nak duduk mana? menumpang foc rumah mak ayah kah.
lagipun x kisahlah JN ni beli rumah mahal, which is a risk la considering income as an artist x tau banyak mana akan konsisten.
tapi dr retis yg asik habiskan duit beli keta mewah pastu hujung2 kena tarik, lg x berbaloi
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ada. separuh bank offer flexi-i.
flexi-i ni, kalau ada duit lebih, ko bayar lah lebih. so profit rate dia akan berkurang jugak.
orang selalu cakap islamic ni mahal. 1 je nk ckp, org yg kata gini, dia x pikir 2 benda.
1. jumlah bayaran ko sepanjang tempoh yg sepatutnya kena bayor (islamic, awal2 dah declare brp kena bayor = purchase price from bank).
2. bila interest naik mencanak2 ke 14% ke (mcm tahun 1998 crisis dulu), bayar bulanan pun naik n jumlah kena bayar (i.e. no 1) makin naik (vs islamic, ada capping price dia biasa @ 10.75%)
islamic, dia akan bilang jumlah kena bayar tu based on ceiling price.
tapi bulan2 dia tetap bilang based on current/ market price.
katakan kalau kita prepay awal, skrg ada hibah - i.e. bank xkan amik future profit and akan kira 'discounted' price dari purchase price (from bank).
convensional - bank ks pinjam duit tuk ko beli barang.
islamic - bank tolong belikan barang ko nak beli tu, n jual balik pada ko at agreed price and agreed payment quantum
sekian.
lebih2, maybe ada yg lebih arif boleh terangkan
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fezy replied at 24-4-2017 12:10 PM
ada. separuh bank offer flexi-i.
flexi-i ni, kalau ada duit lebih, ko bayar lah lebih. so profit ...
thanks.i will re read.payoh nk fhm utk laymen like me |
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noraidil_06 replied at 24-4-2017 10:36 AM
that car is good. so x nyesal la beli.cume x jual la.sbb rase mcm.bg free kt org.
Haha that is true laaa . Anyway if u gotta the dough why not. Pejam mata ja laa |
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abil_tetra replied at 19-4-2017 10:35 PM
br 21 rupanya...
janna bole la sbb selalu jd lead, klu jd pelakon extra je..lmbt la kot
Pelakon ni gaji berape...dan dri mane sumber yg dpt utk bayar gaji pelakon ea...saya kompius...bole bg pencerahan x senior... |
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Rumah kondo ni aset yg bgus ke. Tetiap bulan ada fix cost yg kena bayar. |
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boleh explain details tak pasal apply diskaun dr bank lepas had matang tenure..
ke hanya utk gol retis shj.. tq
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berbaloi je kot sebab kalau tak sheols kerja makan gaji starting 1.2k-1.5k kerja ofis dengan umur sheols tu, tak pun jadi stewardess la up sikit. still tak dapat beli rumah harga juta.
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mungkin boleh groom jadi cantik2 lepas tu tangkap orka dan dapat 4 maid macam rebekah.
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sape beli rumah cash lagi bodoh. orang  kaya pun tak beli rumah cash wehh hahaaa
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Edited by Naatasha at 24-4-2017 08:36 PM
jess1205 replied at 22-4-2017 11:37 PM
Masa umo 21 tahun aku just pikir nak habiskan degree cari keja lelok jer.. Lepas ti buat side income ...
Mase umo kite 21 kita nk pikir beli umah cmana, kita umo tu tgh belajar. So fokus kite nak habiskn study. Kalo mase tu kite buat dip, pastu target nak sambung degree plak. Bukan sbb kite xde wawasan. Maknanya mase umo iols 21 taun, iols xde pikir lagi nk beli umah. Tapi mase tu iols kat menara gading. So consider iols x berwawasan ke? Tak kann......
Cuma rezeki kita berbeza..
JN mmg la umo 21 dah pikir beli umah (dah beli dah pun). Sbb dia dah bekerja. So apa lg kalo dah keje, kumpul asset je la. Kita mase umo 21 tak mampu lagi. Kalo mampu tah ke kite dah beli condo biasa 2, 3 bijik pastu beli shoplot buat sewa.. lagi bijak.. |
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armin replied at 24-4-2017 08:22 PM
sape beli rumah cash lagi bodoh. orang kaya pun tak beli rumah cash wehh hahaaa
Nape cmtu uols? Nape bodoh pulak? Ai inesen okeyy? |
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fezy replied at 24-4-2017 11:44 AM
aku suka komen ko.
serius tak paham org ckp rumah tu liability.
habis kok rumah yg disewakan je ...
Maknanya selagi mana umah tu kita masih berhutang, kira jatuh dlm liabiliti. Sbb liabiliti ni kos yg kita tanggung dan ia mengurangkn pendapatan kita setiap bulan sehingga habis hutang tu.
Dlm kes lain, Contoh kita ada umh yg buln2 kita byr rm700 kat bank, pastu kita sewakan dgn harga rm1200. Yg ni mungkin tergolong dlm aset pelaburan sbb ia menjana pengaliran wang. Tlg betulkn kalo i silap.
I rasa org duk ckp2 psl JN beli umh ni sbb dia pelakon kot. Tau la kehidupn pelakon ni mcm mana. Masa tgh laku ni okey la kan. Cuba kalo JN tu doctor ke, lawyer ke, mesti xde org pertikaikan  |
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Edited by armin at 24-4-2017 09:12 PM
bukan cakap uols bodoh, tp bodoh la sapa beli cash. ada pros jgk kalau beli cash, tak terikat dengan hutang, tak payah pening2 pikir nak bayar loan bulan2. tapi imagine uols habiskan 1juta cash uols utk sebijik rumah. cash dah habis, ingat senang ke nak kumpul 1 juta balik. unless sewakan bulan2 dapatla duit balik dari cash yg dilaburkan tu dan rumah tu mmg nak buat sewa. tapi kalau nak buat sewa lg la org takkan beli rumah cash sbb bila sewakan, duit sewa walaupun guna loan tetap jadi positive income. kalau beli cash, tak dapat la tolak tax lagi.
and kalau nak jual balik pun, dari segi profit, leh refer ni
You’ll lose the financial leverage a mortgage provides. When you buy an asset with borrowed money, your potential return is higher – assuming the asset increases in value. For example, suppose you bought a $300,000 home that has since risen in value by $100,000 and is now worth $400,000. If you had paid cash for the home, your return would be 33% (a $100,000 gain on your $300,000). But if you had put 20% down and borrowed the remaining 80%, your return would be 166% (a $100,000 gain on your $60,000 down payment). This oversimplified example ignores mortgage payments, tax deductions, and other factors, but that’s the general principle. If you are considering taking out a loan, rather than paying cash you can get a better estimate of what your mortgage payments would be using mortgage calculator.
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Post time 24-4-2017 09:48 AM
