Masalah aku

Mylady123 · Post time 28-12-2006 10:50 AM

Mak aku dh pencen, still baru beli keta.. boleh ar..
orang dh pencen lagi byk duit weii.. heheh

bank bagi orang pencen wat loan ar beb..
ko bleh guna nama mak ko..tak caya ko tanya bank ar

Mylady123 · Post time 28-12-2006 10:50 AM

err tapi kan kalo ko tukar nama keta tu, keta tu dh jadi second hand, bila ko nk jual dia dh jadi 3rd hand..baik ko pikir betul2 value keta tu nnti jatuh menjunam ko tau..

Show all posts · Post time 28-12-2006 11:06 AM

org pencen leh la apply loan kete,tgk umor bp,tapi selalunya kena ade gerento
gerento biasanya kena anak2 ke,ahli keluarga,silap2 ko lak jadi gerento
sama gak dtgnya,ada guna nama ko gak

philipinoe2 · Post time 28-12-2006 11:10 AM

mmg la ade bank bg loan kt org pencen, tp kene tgk gak bape umo dier, period baya loan, income dr pencen dier, ade guarantor ke x blalalalala...

kalu pencen tp income bebulan RM1 juta (cnth la kan), bank mane2 pon akan bg loan...:cak:

afja · Post time 28-12-2006 11:16 AM

mungkin kene amik pendapat pengamal undang2 aka peguam cara...
(relevan x jwpn haku :bgrin

Show all posts · Post time 28-12-2006 11:26 AM

kalu ko xkisah sgt guna nama ko,xpyh la tukar,kalu ko byr cntik kete tu,ko leh je apply loan2 lain atas nama ko
lagipun kalu ko refinance balik kete tu br 2taun kan,rugi
duration tambah lagi

philipinoe2 · Post time 28-12-2006 11:28 AM

so bg la advice ko....:cak:

:setuju: :setuju: :setuju:

afja · Post time 28-12-2006 11:30 AM

hehehe...
td dh bg kan...:cak:
kene think out of the box...
lain dr yg lain....

lyly · Post time 28-12-2006 11:34 AM

Originally posted by ramaramabiru at 28-12-2006 11:06 AM
org pencen leh la apply loan kete,tgk umor bp,tapi selalunya kena ade gerento
gerento biasanya kena anak2 ke,ahli keluarga,silap2 ko lak jadi gerento
sama gak dtgnya,ada guna nama ko gak

aku tak mo la, guna byk2 nama aku ni...cukup ler satu...

lyly · Post time 28-12-2006 11:35 AM

Originally posted by philipinoe2 at 28-12-2006 11:10 AM

mmg la ade bank bg loan kt org pencen, tp kene tgk gak bape umo dier, period baya loan, income dr pencen dier, ade guarantor ke x blalalalala...

kalu pencen tp income bebulan RM1 juta (cnth la ...

aku rasa cam tak buleh jek....sbb mak aku bukan pencen gov...

Show all posts · Post time 28-12-2006 11:48 AM

Originally posted by afja at 28-12-2006 11:30 AM
hehehe...
td dh bg kan...:cak:
kene think out of the box...
lain dr yg lain....

apa advicenya..hehe

philipinoe2 · Post time 28-12-2006 11:56 AM

cube ejast (diskas bahase sopan) ngN BAnk, ko ckp nk tranfer name kete ko kpd mak ko BUT, with a condition ko akan jd guarantor utk loan tu plak...

nmpk mcm pelik, tp ade possibility bank akan stuju sbb:-

1. interest diorg protected, sbb ape2 hal jd, default payment ke ape, diorg akan carik mak ko dan ko...:pmuka:
2. tp ko kene bgtau la sbb2 nape ko nk transfer nama..kalu bank x tau citer sbena mcm mane dier nk tolong ko kan..

so, in case bank stuju, die akan draf la SNP br plus letter of guarantee utk ko sign..

psl camne ko nk bgtau ngan mak ko tu, tu pandai2 ko la...better ko be onest ngan die, ckp je ko laki bini nk beli umah, so ko nk transfer liability laki ko kpd ko..msti dier paham nyer...then ko kene make sure la ko baya bebulan, jgn default plak, kang kecik ati mak ko kalu dpt surat/saman dr bank...:hatdown:

key word: priority to the bank's interest...

ff:afja, aku x paham la psl box la in out box la, mende tuh?...:geram::jeling::geram:

philipinoe2 · Post time 28-12-2006 11:57 AM

tula, aku pon tggu advice die...mane weh?..:jeling:

afja · Post time 28-12-2006 11:58 AM

advicenya.... pi la jumpa ngan sapa yg terer psl undang2...:lol
sbb haku kerani cabuk jek... tatau psl undang2

itik_magic · Post time 28-12-2006 12:01 PM

bagi aku ler...x kisah lah ko guna nama ko utk kereta mak ko...walau ader lg satu keta lg atas nama ko. nnti mak ko kecik ati lg susah....baik2 rezeki berkat....jd x berkat...jgn smpai ibu terluka. lg pun keta tu mak ko yg guna...ckp le dgn hubby camtu.