|
|
Nk buat full settlement loan. Better settle Easy Pinjaman Express (RHB) dulu @ s
[Copy link]
|
|
|
Ok2. thanks. Deduct 2-3 bln interest je ke? Waive interest??
Kalau balance hutang dlm RM10k, ade x possibility by the end of this year kalau buat full settlement kena bayar dlm RM5k je?
Risau
|
|
|
|
|
|
|
|
|
|
|
|
xd niat lgsg pun nk buat hutang lain lagi (kecuali rumah). rase x best la hutang keliling pinggang. Yup, monthly spttnye installment dlm rm300 tp slalu byr extra (rm500), kalau betul2 konsisten. settle dlm 3 years je. Tp mcm nk settle awal sbb rase burden la tanggung hutang bnyk2. mmg bnyk la kena sacrifice. x boley slalu shopping cm org lain, x boleh nk beli baju2 baru selalu, mcm2 la. nk reward diri sendiri pun smpi ke sudah x buat juge.
|
|
|
|
|
|
|
|
|
|
|
|
RizqTihany replied at 4-6-2017 08:28 PM
Ok2. thanks. Deduct 2-3 bln interest je ke? Waive interest??
Kalau balance hutang dlm RM10k, ad ...
berapa bulanan? Dan berapa tahun loan? Tapi rasanya tak dapat kot.. |
|
|
|
|
|
|
|
|
|
|
|
Sbb tu ada pepatah mengatakan, Ukur baju dibadan sendiri
Tp masalah org kita ni, buy first regret later.
Actually kalau fikirkan balik. Buat apa nk beli baju byk2? End up pun akan memenuhkan almari dan x pakai. Actually x mati pun kalau x dpt reward diri sendiri.
Why not simpan duit shopping tu, plan gi travel overseas & buy something kt luar sana yg worth it. Kalau x nak pun, at least boleh jual balik. For example, perfume, t-shirt hard rock, mcm kt Osaka ke, Pataya ke, tmpt2 yg org jrg pergi kalau jual balik pun still ada value.
X yah ikut org sgt. X rugi pun dan x buruk sgt pun x dpt shopping tiap2 bulan. One thing kena fikir, kenapa nk membazir? Sdgkan elok duit tu buat sedekah byk2. Nanti Allah reward lg byk. Jgn igt sedekah tu menyusahkan kita actually sedekah tu la yg membesarkan dan meluaskan rezeki kita.
Beli baju, seluar byk2 pun, berapa helai je boleh pakai. Kita bukannya artis smpi nk pki baju smpi org nk ikut. Bersederhanalah.
Hutang yg dibayar tu, kalau mampu habiskan awal tanpa susahkan diri, buat la. Bagus.
Yg penting simpan cash. Masuk short term investment cash frm CWA atau Public Mutual. Dlm 5 tahun dh boleh dpt more than 15k kalau simpan 200/300 je. Menabung itu penting utk emergency. Beli rumah bagus tp jgn la smpi byr rumah smpi x leh makan atau tampung hidup. Rumh besar2 pun, bila kita mati, tinggalkan jugak. Brg2 byk2 pun, semua kena tggl. Yg kita bawak? Sbb tu salah satunya sedekah jariah, amat penting.
Belum sebut benda lain lg.
Terserah
|
|
|
|
|
|
|
|
|
|
|
|
xdpt ke? Sedihnya.
Loan dh 1.5 years. Monthly dlm RM300. Setakat ni kalau average kn monthly installment dlm 15 bln adela RM400 . Loan ikat 5 years. Ingatkan once dh buat full settlement after 2 years buat monthly installment cm biase, interest utk 3 years berikutnya tu burn. Kiranya cume byr baki je without interest. Ke cmne?
|
|
|
|
|
|
|
|
|
|
|
|
RizqTihany replied at 5-6-2017 07:16 AM
xdpt ke? Sedihnya.
Loan dh 1.5 years. Monthly dlm RM300. Setakat ni kalau average kn monthly ins ...
Tak faham u cakap nak buat full settlement then after 2 years nak bayar installment macam biasa? Means u nak bayar half dulu ke? Itu bukan full settlement... itu advance payment |
|
|
|
|
|
|
|
|
|
|
|
Sorry kalau buat u x fhm 
Actually blance loan ade dlm RM10/11k. Total loan ( interest included) = RM18k utk tempoh 5 years.
Buat monthly installment dh 1.5 years. Dh settle dlm RM6/7k. Tiha niat nk settle balance loan (full settlement) hujung tahun ni.
So, agk2 kalau Tiha jd settle hujung tahun ni dpt x settle dlm RM5k cmtu?
Kirenye buat monthly installment 2 years. After 2 years, nk buat full settlement.
|
|
|
|
|
|
|
|
|
|
|
|
Saya penah ada RHB easy loan...
saya bayar pakai online kt account RHB...
x silap saya kat online ada tunjuk 2 balance...satu amount yg bayar monthly, satu lg amount kalau nak bayar full...
saya buat full settlement pon bile lg hampir 6 bulan nak abis (amek loan rm10k tp kena bayar rm15k..duration 5 year , montly bayar rm300 sebulan. start tahun 2012. interest rhb easy mmg tinggi)
so bile saya decide saya nak buat full settlement tu, saya bayar yg full amount pakai online...lpas beberapa hari saya tgk commitment rhb easy saya dh takder dlm account online saya...
dalam your case maybe kena call bank kot berapa amount utk fully settlement...
masa saya buat full settlement, dpt kurang tp byk..sorry x ingat berapa beza
anyway good job sebab nak buat fully settlement utk rhb easy...interest tinggi sgt... |
|
|
|
|
|
|
|
|
|
|
|
Tq Mnahwitty.
Roughly skrg, jumlah loan outstanding ada RM11K+. Loan amount = RM11K. Payoff amount = RM8K+.
Adakah payoff amount ni jumlah if kite nk buat full settlement? Means kalau Tiha nk buat sttlement today, amount yg Tiha kena byr secara lumpsump adalah RM8K+ tu la? & rebate yg Tiha dpt dlm RM3K. camtu?
& bolehla ye buat full settlement secara on9 without kena deal dgn bank officer berkaitan?
|
|
|
|
|
|
|
|
|
|
|
|
"Adakah payoff amount ni jumlah if kite nk buat full settlement? Means kalau Tiha nk buat sttlement today, amount yg Tiha kena byr secara lumpsump adalah RM8K+ tu la? & rebate yg Tiha dpt dlm RM3K. camtu?"
Yerp, saya bayar lumpsum payoff amount tue and hutang terus selesai. Account Easy Loan pun dh kena remove from my account selepas beberapa hari. Kalau difahamkan mcm tula. kire rebate sebab buat full settlement. RM3K banyak jugak tue dpt rebate....saya dpt rebate dlm beberapa ratus je sebab dh nak penghujung. Saya rasa x payah deal dgn bank officer. Maybe just bole call customer service RHB and mintak confirmkan. Tapi nama pon payoff kire settle terus la.
Saya penah called customer service RHB. Okayla friendly and efficient.
|
|
|
|
|
|
|
|
|
|
|
|
Okay.....fhm sgt2. Tq Mnahwitty.
Tp utk hire purchase loan xd pulak die tunjuk payoff amount tu ye
btw, thanks. Insyaallah, by the end of this year, akan buat full settlement utk Easy Pinjaman Express RHB ni dulu. Amin.
|
|
|
|
|
|
|
|
|
|
|
|
"Tp utk hire purchase loan xd pulak die tunjuk payoff amount tu ye" dekat bank RHB ke? x pasti plak...sebab hire purchase loan amek dgn ambank...mmg takder tunjuk pon..cume every year nanti dec dia antar surat tunjuk berapa total dh bayar
all d best...masa dok bayar monthly easy tue rasa terbeban gak...lpas dpt settle lega btul...
|
|
|
|
|
|
|
|
|
|
|
|
saya baru buat loan rhb 3hr lepas dh dpt..risau je baca2 dlm ni dorang kata penalty bagai..sy plan nk pakai kejap je n full settlement on 1st payment. saya call rhb n tny amount alhamdulillah..pinjam 20k dlm surat total interest 12k++, so klu full sttlement on first payment ni is rm20608.66. Haa penalty pun penalty lh..yg penting xbyr smpi berbelas k tu huhuhuhu....
|
|
|
|
|
|
|
|
|
|
|
|
|
rhb personal loan senang nk lulus x..kalau nk guna sikit berbaloi x? |
|
|
|
|
|
|
|
|
|
| |
Category: Cinta & Perhubungan
|
Author
Post time 4-6-2017 08:39 PM
