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[Tempatan]
TERKINI. Bank tak sambung moratorium. Bersedialah byr loan mulai Okt. Berhenti b
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Kalau tukar cat berapa kena yek? Nak tukar cat kereta ni, kereta kaler turun sikit chuols.. Beli cash, senang takde hutang
I is lega bulan2 takyah bayar.. Tapi itulah org lain kete baru kita kete tahun 2000
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Madel replied at 22-7-2020 11:39 AM
Kerjaan pun ckp berbelanja la, utk sama2 kita bantu ekonomi n jana pendapatan negara
Jadi kalau m ...
Recession ni ada yg terkesan teruk ada yg terkesan cket ada yg x terkesan..so yg mana xleh berbelanja tu xyah buthurt leh tak? Pdhal cuba dia ada gaji ada ckup saving? Dia pon belanja sakan sama saja.. |
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Cash loans should qualify for moratorium relief
July 22, 2020 @ 12:20am
Letters: I Refer to the recent debate on whether or not to extend the loan moratorium.
While there are pros and cons to an extension to the moratorium, in my opinion, it is more important to ensure that the original moratorium is implemented fairly — a six-month deferment granted to all loans as promised.
Currently, there are loans that are left out of the original moratorium and received no financial relief at all. One example is cash loans that are linked to credit card.
These are loans with a fixed interest rate, a fixed tenure and a fixed monthly instalment. Essentially, the loan structure is similar to a typical car loan. Banks call up their credit card customers and offer these products as a "cash loan".
"Cash loan" is the term that banks' sales personnel use when selling these products. If the customer accepts the offer, a new account is created for this loan. For unknown reasons, banks make it such that these loans somehow share the same credit limit with credit cards.
I have contacted the banks concerned and am shocked to learn that the aforementioned loans are not included in the loan moratorium, hence repayment has to be made as per the original schedule.
I think this is very unfair as the monthly instalments are a huge burden on borrowers who are struggling to survive, just like borrowers of housing loans, hire purchase loans and personal loans.
It is a financial commitment that is difficult to meet given our present situation, with greatly reduced income due to the Movement Control Order.
According to the frequently asked questions (FAQ) published on the Bank Negara Malaysia website, the automatic six-month deferment is applicable to all credit facilities with scheduled or contractually due payments.
This type of loan is indeed credit facilities with scheduled or contractually due payments, and therefore meets the criteria published by Bank Negara Malaysia, yet the banks refuse to honour it.
Moreover, according to the FAQ, even share margin financing qualify for the automatic six-month deferment. This means borrowings for investing (or speculating) in the stock market qualify for the six-month deferment.
What, then, is the rationale for excluding cash loans that are linked to credit card from the loan moratorium? I seek Bank Negara Malaysia's consideration to intervene and direct the banks to include this type of loan in the automatic six-month deferment programme.
This is important to ensure that borrowers get the financial relief to ride out this difficult period without falling into insolvency.
Disappointed Borrower
Petaling Jaya, Selangor |
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yuki812 replied at 22-7-2020 11:37 AM
Eh..rasa takde lah masuk ccris pajak ni. Last year ofismate i nk beli keta..dia nk pinjam duit i n ...
Ade p kat bank negara.. Bila print akan tulis tarikh kita masukkan barang.. Dia ade 1 bahagian lain dr yg pinjam an atau kad kredit.. Aku nye bersusun2.. Boleh tgk situ.staff bank negara ckp nanti kalo nak bt loan bergantung pd bank.. Dia nak bg ke x.. Sbb ade bank x kisah bg loan ade yg x nak bg loan |
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dewi_rina replied at 22-7-2020 11:48 AM
Kalau tukar cat berapa kena yek? Nak tukar cat kereta ni, kereta kaler turun sikit chuols.. Beli c ...
Sy pakai mpv.. Sbb ambik cat mati.. Ari tu kn 3k..siap dia ketuk yg kemek2 depan tu.. Dan dia bg plat no yg baru.. Mahaii la kat sini. Kat tempat lain murah kot |
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sitisitu25 replied at 22-7-2020 11:47 AM
Ar rahnu msuk ccris..i pnh tgk kwn i punya ccris hari tu..
Kwn i punya takde..last year punya loan. Tapi dia bank rakyat arrahnu. Tp apapun...mmg selamat lah duit i gitu..tak sempat bagi pinjam. Banyak wei..dlm 3-4k ada...nk tebus tu.. |
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dewi_rina replied at 22-7-2020 11:35 AM
i saving dekat asb je, harap2 dividen tahun ni abah umum tertinggi dalam sejarah
Salah satu tempat asb1 invest is sapura energy yang nak melingkup tu... dari rm2.80 jatuh tergolek ke 9 sen sahaja... tp ni baru 0.7% dari investment total ASB1 |
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ina_na replied at 22-7-2020 11:49 AM
Ade p kat bank negara.. Bila print akan tulis tarikh kita masukkan barang.. Dia ade 1 bahagian lai ...
Oh ye ke. aku dulu skali je g pajak..kat agro bank. Tp takde lah cek cris bagai. Ni last year ofismate hah..nk pinjam duit bagai..tebus. dia kata takde dlm list pajak tu kat ccris. Tp kenapa takde pulak..ke sbb dia barang kemas ke. aku...syukurrrr..ko x jadi pinjam. Hah..ok2..good info. Noted. |
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nk report ape.. bos kalau report dia wat derk je sb kalau melibatkan hal anak dia jd lemah lutut "sy pun ade anak jgk jd sy faham mcmna nk keja kalau taska/pengasuh x buka lagi"
then bila bos tu plk ata senarai nama kat org atasan, org atasan a.k.a KJ, diorg ok je. sb Ketua Jabatan percaya kat bos2 HR dah semak senarai etc. KJ bukan ada masa nk check sorg2 benda ni. dia byk kije lain.
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kawan aku loan rapat dah.. nk beli Myvi x lepas. duk berapa bulan lps tu alih2 salesman call kata dia blh beli, dh ejas dah.
xtau mcmna pengiraan tp aku dgr cte kalau kije gomen, stkt nk beli kereta tu mmg kaw2 dia akan tlg sampai lepas punya...
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yuki812 replied at 22-7-2020 11:57 AM
Oh ye ke. aku dulu skali je g pajak..kat agro bank. Tp takde lah cek cris bagai. Ni last year ofis ...
Yg aku nye ada.. Dia satu slot kat bawah tu.. X tau la knp.. X pe la.. Ade pun.. Insaf gak tgk no akaun banyak2 tu.. Dl gatai p sumbat ar rahnu.. La ni menghadap la nak keluarkan dia.. Sedih nak bayo upah simpan.. Hahaha |
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ina_na replied at 22-7-2020 12:01 PM
Yg aku nye ada.. Dia satu slot kat bawah tu.. X tau la knp.. X pe la.. Ade pun.. Insaf gak tgk no ...
Takper..ko slow2 tebus yg nilai rendah dulu. |
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prinsip iols..hidup ni sangat singkat
jangan banyak sangat takut
silap karang tak merasa duit hasil simpanan
yg enjoy dikemudian hari para waris 
tu sebab duit lestari pun iols sapu
acik kiah tu lagi masyuk income dia dari kita yg ikut gaji ni kome
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salesman mmg pandai ejas document.
fraud document la sampai kat bank nnt pun.
tu kadang org bank berbulu gak ngan salesman ni. asal lepas diornag jual ja selalunya.
ada gak kes yg kena bayau. salesman bayau org bank.
bagi i kalau nak fraud document lantak la janji boleh bayau bulan2. ni x. dah la fraud document. bayar kemain liat.
tu jadi blacklist apa semua tu.
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sitisitu25 replied at 22-7-2020 03:48 AM
Recession ni ada yg terkesan teruk ada yg terkesan cket ada yg x terkesan..so yg mana xleh berbela ...
Betul tu
Sbb tu saya tulis, hanya diri kita yg tahu mana tahap kestabilan kewangan kita
Kalau rasa masih mampu nak beli kereta/emas..beli aje la
Kalau yg terkesan dgn pandemic ni, kewangan pun tak stabil..berjimat dan menyimpan la dulu
Tak payah nak keluar ayat2 negatif dlm masa yg sama menakut2kan org lain. |
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i kira2 duit i saving tak bayar loan semua tu sepanjang tempoh moratorium ni, dalam rm40k.... everytime gaji aje, duit bayar loan tu semua i keluarkan simpan kat another bank account..
inshaAllah i dapat saving banyak dari situ... memang i istiqomah tak ada beli barang merapu.. tahan nafsu even terpengaruh juga tengok orang viral sana sini soping kat facebook.. i kena saving sebab risau masa depan ni |
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ina_na replied at 22-7-2020 11:44 AM
Bl saje2 boleh je.. Kalo saya x beli skrg walaupun saya jual emas on9.. Hehehe banyak beza skrg th ...
x penah dgr pulak arrahnu masuk dlm ccris.. |
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katakan gaji ko sebulan RM12K
so saving sepatutnya dah reserve RM12K x 6 = RM72K
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i saving dalam rm6k sepanjang moratorium ni... lebih kurang dalam rm40k juga la saving...
saving reserve based on gaji tu dah lama buat... ini rules of thumb yang semua orang kena buat sepatutnya kan.. tapi i buat juga saving hasil daripada tak bayar loan sepanjang tempoh 6 bulan ni... bertambah la duit saving tu... alhamdulillah... tapi bila tengok duit banyak kan, gatal juga la nak membeli bukan2.. hahaha
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Post time 22-7-2020 11:48 AM
Author
