PENGALAMAN TURUN NAIK BANK UTK WAT LOAN - ATAU MANA2 AGENSI KEWANGAN

aarie

kwn saya ambik dgn sme bank... proses 2 minggu approve sbb yg proses tukawan2... tapi nak tunggu cek kuar - 2 bulan.... itupun lepas 6 minggutunggu tak keluar, kwn saya mula "berkampung" kat sme... tiap2 hariduduk kat luar bilik pegawai, tak sampai 2 mingu, baru cek kuar.
hazel23 Post at 1-7-2010 20:06

from my experience...

approval boleh cepat sebab internal decision.. maybe at branch level
above certain quantum baru kena dapat kelulusan board...
yang ni mmg lambat sikit.. kena que and tengok kalau ada slot untuk present to the board..
approve jer offer letter boleh kuar...

tapi for disbursement.. requirement pastinya lebih strict
bank will propose lawyer.. kita choose and appoint lawyer yang berkenan dihati..
lawyer prepare agreement.. mintak certified doc.. buat legal search.. co search.. etc etc...
dah siap kena sign and pay legal fees plus stamp duty  
semua dah settle baru lodge dengan ROC and also the court...
banyak kerja dan akan ambil masa....

bank tunggu confirmation from lawyer yang all legal matters dah settle
baru bleh consider any disbursement...

paling cepat pun dalam 10 hari i think..
dan biasanya memang 2 bulan kot...
so kena plan awal2 lah..........

aarie

Reply 41# aarie

yang dimaksudkan nie... first disbursement
yang kemudian tu... cepat jer
kalau document semua in order... disbursement just a matter of days jer

aarie

besok credit and branch manager our bank nak dtg office
kita takde loan tapi ada 20M facility with the bank
last year we did 30M, this year akan closed at 20M insyAllah...
we hv fully utilised our facility last year and insyAllah this year jugak
next year we hv order in hand for about 15M.. so we shud be ok in 2011
tapi we are forecasting 50M in 2012.. and the current facility will not be enough..
besok kita akan bincang pasal ni...
aarie Post at 1-7-2010 02:15

masa presentation tadi tak mention pun pasal tak cukup
tapi manager tu nampak banyak gak projek yg kita tak guna facility dorang
for the coming years pun dia nampak some project tu kita finance from internal cash flow
at the end of the meeting tu dia sendiri conclude yang facility yg available skrg tu maybe tak cukup
so nak offer additional facility to us... some immediate and some starting next year
ada 2-3 option dia proposed...

kita pun tak terus setuju.. banyak benda jugak nak consider..
especially the additional stamping and legal fees... beratus ribu jugak...

kadang2 benda2 macam ni is nice to have... but not really necessary
if we can space out the project and manage the cash flow properly
maybe we might not even need them this year... maybe end of next year kot
boleh jimat sikit....


kadang2 dgn bank tak bleh tunjuk kita desperate sangat.. dorang pun takut
kena jual mahal sket..
dorang tanak...
cari jer gf.. oops bank lain...

sinar_inspirasi

best betul pengalaman aarie... tima kasih bro.. apa bro punya FB

aarie

Reply 44# sinar_inspirasi

sama-sama...

pengalaman pun tak banyak mana
yang baik boleh laa buat tauladan
yg buruk boleh sama2 kita jauhkan...

FB belum ada lagi laa bro...

ps: masih lagi tertunggu2 sup kaki kambing kat KL  

hazel23

yes, i like reading aarie punya experience and that "jual mahal" punya idea... sometimes, people just want to share their good experience, and indirectly kasi reader high expectation yg betapa mudahnya nak apply loan.. so bila others go tru bad experience, mcm rasa, "kenapa org lain senang dapat loan, aku susah".. kekadang org yg dah dpt tu pun maybe segan nak share bad experience.. but i believe if put a niat "nak kongsi ilmu" dgn usahawan lain.. maka byk lagi ilmu yg Allah akan kasi kat kita...

my experience dgn cgc.. saya cuma browse the website, cari facility yg related, lepas tu call hq, over the phone they advice me to take 1 facility tu, so i preparelah semua document2 yg nak ssm punya certify tru copylah, commission of oath lah, bank statement ctc lah, mgmt akaun (last audit akaun dd 30 jun 2009, so from july 2009 to april 2010 kenalah suruh akauntan buatkan - and yes, u have to tell the accountant its for loan - so they can be creative on revenue and expenses).. dgn working paper with projection cash flow.. siap mtk my friend check my cash flow lagi to ensure its meet banker expectation...

lepas 1 bulan siap, pegilah branch htr.. bila jumpa officer, face to face, after short study, keluarlah pulak facility lain yg takde dlm website pun... so he propose ambik facility ni, so kenalah balik buat working paper to match with the facility.

after 1 week, pegi jumpa balik officer, dia bwk his mgr introduce, pastu bila mgr go tru my proposal, facility lain pulak keluar dari mgr ni... like aarie, mgr kata yg i propose earlier tu tak cukup.. dlm hati.. mmm... geram betul dgn officer, sbb dia tak explain kat mgr tu yg i buat tu base on his recomendation..

balik ofis balik, buat balik w/paper utk facility yg mgr tu suruh buat.. after 1 week, submit sendiri kat mgr, tanya juga mgr what next, dia ckp 5 days proses, bole tau result,

after 7 days follow up, mgr kata his officer  belum tgk lagi sebab they received lots of application...

after 10 days follow up, barulah officer ckp nak dtg office, interview..

masa interview, mcm2 dokument mintak.. (dlm form tak ckp pun kena attached).. tapi by this time i told myself.. lets dance with their rythm..

and that was 3 weeks ago, now.. every 2-3 days the officer will call, asked for new document (kebanyakkannya proof of previous contract).. but i take it in a good faith that his officer nak kuatkan the application...

lepas ni, his officer ckp, tunggu his boss approve, lepas tu htr hq for approval.. tu pun i dah prepare mentally, akan adalah dokumen2 lagi yg dimintak.. dan tak terperanjatpun kalau dokumen2 tu i dah submit earlier...

so, conclusionnya.. dari 5 hari approve, mungkin jadi 5 minggu, mungkin jadi 5 bulan, mungkin juga 1 tahun... dan nak prepare itu ini begitu begini.. byk jugalah nak habis .. belum lagi lepas approve kena  stamping, chop sini sana, insurance ect ect ect (nasib baik MARA hanya deduct from the amount proved - so habis pun byk utk ctc ssm, duty stamp utk certain document, commission of oat dsbnya)

dulu, mungkin saya tak sabar nak tunggu penghujungnya... tapi sekarang saya lebih gembira bila mengutip pengalaman2 sepanjang perjalanan...


p.s. again and again the most important thing is get ur accounts update..

noraidil_06

wow...awesome experience u peeps. i dun need so much money to run my bisnes, so kdg2 bila nk apply loan, i terfikir, betul ke i really need this money. all  i need is a chance to show i can do the job

hazel23

Reply 47# noraidil_06


    thats wat i thot 10 years ago, masa tu ramai kekawan yg dah lama bisnes advice, ambik dulu, tak yah pakai, besok bila emergency baru pakai... but i was thinking buat apa nak berhutang, duit ada...enough to cater ... tapi bila tahun 2006 onwards, cash flow dah tight... turun naik bank... bank tak layan sebab account tak jaga (yelah masa tu nak jaga akaun pun  nak kuar duit 5-6k bayar akauntan and auditor, lodge ssm lagi), nak pegi ssm buat ctc pun tak der fund..

you wouldn't know what will happen to you, your business, your surroundings...

but at the end of the day.. its up to you..

afal1495

bank boleh tahu sume sejarah kewangan kita yang buruk sebab rekod kita ada kat dalam CTOS...itu yang malangnya... kalau ada rekod buruk dalam CCRIS, takpe lagi...sebab kalau kita setelkan tunggakan, pastu setiap bulan buat bayaran yang elok,  lepas 12 bulan, rekod kita cantik balik...

    maknanya apa yg ada dlm CTOS tuh akan forever camtuh la ek... patutlah M.Kayveas dulu hangin, agaknya 10~20 taun dulu punya payment pernah sangkut even dah jadik ahli parlimen pun still problem nak buat loan..

aarie

SME News:
Between 2006-2009, 524,000 SMEs benefited from Rm220 billion of financing.
SMEs continued to receive good access to financing from financial institutions
with an approval rate of 82% during the period.

meaning..... majority of those who apply were successful
so... jangan cepat give up kalau ada halangan
be persistent... insyAllah berjaya

apparently you have an 82% chance of success   

aarie

Bernama:
"Malaysia was ranked number one, among 183 countries in terms of “Getting Credit” by the World Bank for three consecutive years from 2008 to 2010.
As at the end of 2009, there were 449,703 micro finance borrowers in Malaysia with outstanding financing extended, amounting to RM2.4 billion given through the formal financial system and government agencies."

walaupun nampak susah... ropanya dinegara2 lain lagi susah...

semuanya bergantung pada kita sendiri nampaknya
give your best....... insyAllah berjaya

sinar_inspirasi

aku percaya pada usaha kerja.. Tuhan tidak akan bebankan kita pada yang diluar kemampuan kita...

jadi usaha berterusan perlu pada sesiapa pun.. sebab setiap usaha akan dikira oleh Allah

sinar_inspirasi

hari ni baru selesai sign agreement dengan maybank.. tunggu dari CGC plak.. nak cari cable yang agak besar voltannya

aarie

hari ni baru selesai sign agreement dengan maybank.. tunggu dari CGC plak.. nak cari cable yang agak besar voltannya
sinar_inspirasi Post at 4-7-2010 22:18

makin besar voltan.. makin bersinar laa nie.......

hazel23

Reply 50# aarie


    Agreed, we will miss 100% shot if WE NOT EVEN TRYING "TO TRY"..

so, try ajerlah...

noraidil_06

Reply  noraidil_06


    thats wat i thot 10 years ago, masa tu ramai kekawan yg dah lama bisnes ...
hazel23 Post at 2-7-2010 15:28

hazel, thats what my ex-boss advise me too.bila dia tau i apply MARA utk 50k je, he said, "why!?, u shld go for 100k or more!" bla bla bla

hazel23

yup, sebab mara OR any banker will slash .. thy hv reason for that.. which u will understand later... cth.. u ask for 100k, thy will give u 40k, and if u maintain the loan cantik2... pastu agak2 lepas 1 tahun, u ask for more.. and they will give u... infact dlm letter of offer thy did mention, boleh raise lagi kalau payment cantik. and whn apply for MARA, hantar jer kat tekun sekali.. lagi cantik, kalau u htr kat mara... htr jer kat 10 cawangan mara..

noraidil_06

yup, sebab mara OR any banker will slash .. thy hv reason for that.. which u will understand later.. ...
hazel23 Post at 5-7-2010 11:44

ooooooooo boleh ek, hantar kat byk cawangan MARA? i borang TEKUN dh lama ambik, tp buat bodoh je kat borang tu, sbb org kata TEKUN x de dana la, itu la ini la.but then i blame myself for not even trying.arghhhh

tanya

maknanya apa yg ada dlm CTOS tuh akan forever camtuh la ek... patutlah M.Kayveas dulu hangin ...
afal1495 Post at 3-7-2010 13:41

    sebut pasal CTOS,..aku pernah kena blacklist sebab jadi guarantor...sampai sekarang rekod tak padam..Setiap kali nak buat loan, kena attachkan release letter from bank,..kalau tak,.."maaf, pinjaman anda tidak berjaya"...

tanya

hari ni baru selesai sign agreement dengan maybank.. tunggu dari CGC plak.. nak cari cable yang agak ...
sinar_inspirasi Post at 4-7-2010 22:18

    pakai fibre optic,..baru laju sikit..hehe..