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aku dah pegi maybank jln tgh penang...ok arr cust servie dia...maybe time tuh tade org kot..
eh ...
baby_pingu Post at 28-12-2010 11:35 
sy baru je apply pagi tadi dgn maybank area subang jaya.... macam biasa...mula2 dia bagi slip ngan borang tu kan...lepas kita isi and berurusan kat kaunter...dah bayar semua... dia org bg balik salinan slip tu... pastu akak kat kaunter tu cakap...kalau nak increase unit...just amik slip baru, isi berapa amount yg kita nak then ke kaunter.... mcm nak deposit duit/cek gak lar kiranya.... bukanlah guna salinan slip tu jugak... rasanya staff maybank kat tmpt awak tu confused kot... salinan tu takde apa2 pun...just salinan je semata-mata... |
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Reply 121# sphinx
nih yg aku tak suka nih..bila staff pun cam confused2 jugak...huhuhu  |
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kalo isi borang baru tuh make sense la jugak...  |
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Reply 116# baby_pingu
saya pun maybank jalan tengah (penang). Not bad service dia.
actually pegi nak update ASB + tambah duit sikit tapi officer maybank approach cerita pasal AHB ni. |
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Reply 111# queenhua
erm....lama dah aku cri info psl AHB ni....mcm minat bab2 hartanah...............minat gak nk join unit..
sbb mula2 tgk iklan kat tibi psl AHB ni pn dah dok terpinge2..mcm kelako iklan ,makcik tu nk tgk haratanah dia tp guard dok terpinga2 tnye makcik tu nk kemana..pd hal nk tgk hartanah dia kat citu...
tp kan en queenhua ni....sape yek.....?...sonok je bace pertanyaan mereka yg di jwb oleh queen...
adakah queen ni advisor AHB gak..or org2 mybank.... klu btl2 laaa queenhua tau semua hal ehwal AHB ni..pekata klu queen
bg penerangan secara jelas dan terancang dr segala pertanyaan mereka sume... kdg2 bace prokpektus pun, klu xde yg menerangkan, sepatah haram la kurang fhm.... ...pd aku, klu queen btl2 ade info psl AHB.. lg bagus. kebaikan/ keburukan berbanding asb..or whatever la yg berkaitan atau galakan ke mcm mn...x reti nk kate caner..
neway...info queen yg sedia ade pun..bgs nk di bace..TQ |
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br dpt info dr maybank td. min labur RM500. kalu nk top-up bln2 boleh dlm gandaan RM100 sahaja.
kalau nk keluarkan duit, min keluarkan RM500. kalau dlm akaun cuma ada RM700, kita kena keluarkan semua.maknanya tutup akaun terus. kalau kita ada duit lebih cthnya RM1000, kita bolehlah keluarkan RM500.so balance dln akaun ada RM500./ kiranya RM500 ni ala2 ibu modal lah.
Dividen dibayar 2 kali setahun.bln Jun dan Disember. Kalau kita bukak akaun harini, bln lima dah close account.so dptlah bln 6 thn ni, dividen  pastu dptlah lagi bln 12 |
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tapi lupa plak nk tanya bln 6 ni dpt 6% atau 3% (kalau ikut minimum dividen 6%) |
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Reply queenhua
erm....lama dah aku cri info psl AHB ni....mcm minat bab2 hartanah........ ...
bintang_hati Post at 6-1-2011 10:47 
Identitiku.. biarlah rahsia 
Tapi sebarang permasalahan/soalan/aduan mengenai AHB ataupun Maybank, sila nyatakan, jangan segan2.. InsyaAllah boleh diselesaikan...
Bintang nak penerangan berkaitan prospektus bab mana tu?
Kebaikan/keburukan berbanding asb tu.. erm.. susah nak jawab ni, apa yg queen blh kata, pelaburan dalam AHB ni mmg tanpa was-was yang mana pelaburannya patuh syariah dan zakat dah ditolak siap2 dr dividen. So, xpayah pening kepala duit tu invest kat mana, mmg untuk bangunan2 tu ja. pasaran hartanah pulak boleh dikatakan lebih kukuh berbanding open market shares. Dividen, tunggu je bln 4 nanti.. hehehe |
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br dpt info dr maybank td. min labur RM500. kalu nk top-up bln2 boleh dlm gandaan RM100 sahaja.
kal ...
ad_hoc79 Post at 6-1-2011 11:11
Dividen bukan bln 6 dan bln 12 tau, tapi bln 4 dan bln 10 (dalam masa 10 hari selepas close account which is end March dan end Sept).
Since dah dapat dividen asb bulan 12 jadi disburse la income kat bulan lain pulak.. |
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Reply 129# queenhua
ooo...biarla rahsia.....adoii...best karok lagu ni... ..
xper...psl identiti tu,aku fhm ..yg pntg psl AHB ni dpt queen jelaskan , sbb nmpk gaye queen cam leh jwb je sume persoalan mereka..
tu yg best...maksud aku menjwb dlm 1 page je jwpn bg segala kemushykilan ttg AHB, so xyah la..org dok nk tnye 1 by 1 soalan, pastu sbnrnye queen dah jwb 2 kali...
agak2 laa, suggest la skit bpe sebenarnye berbaloi kite melabor..mmg la min 500 tp seelok2nya bpe?....sbb info2 psl asb lak kate , sbnrnye x berbaloi klu setakat 10k,20k,30...tp lbh berbaloi bg yg melabor 50k, 100k...yg AHB ni lak caner?...tp difikir2 kan mmg la sape labor byk, mmg la berbaloi2...tp bg mereka2 yg hnye nk labor 1k ke,5k ke,10k ke, yg kecik2 jek laa..
pastu lak, ade yg kate td, utk sape yg awl2 yg labor mybe dia leh bg spi 20% div sbb labor segitiga emas mmg untung besor la kan, tp slps2 tu,sendiri mau ingat...betul ke mcm tu?... maknanye yg lambat melabor nnt , kire x la berbaloi sgt. so kene cpt2 selagi kuota ade ?..gitu eh... |
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Property and other loans growth poised to slow down
--------------------------------------------------------------------------------
PETALING JAYA: Loans growth is poised to slow down as lending indicators are showing signs of moderation in credit expansion, said analysts.
ECM Libra Investment Research expects household loans growth to slow down as property sales cool down amid credit tightening and policy measures to curb excessive speculative activities.
In a report issued yesterday, ECM Libra said the loans growth momentum could be curbed by slow deposit growth which has continued to lag credit expansion at 6.5% year-to-date or 7% on an annualised basis.
Despite slower growth rates, leading loans indicators remain at comfortable levels considering that absolute levels of loan applications and approvals stayed close to peak levels. Its calendarised loans growth forecasts is 8.4% for this year and 10.9% for last year, according to AmResearch Sdn Bhd’s report yesterday.
AmResearch added that net interest margins might see less pressure with the average lending rate stabilising.
OSK Research Sdn Bhd said in a report yesterday that this year’s loans growth would remain robust as the rise in interest rates from record lows was unlikely to dampen pent-up credit demand spurred by a recovering economy.
AmResearch said the slowdown in the residential loans segment was positive, considering that household debts had risen significantly over the past one year.
“The future (loans) growth will likely be driven partly by execution of projects under the government’s Economic Transformation Programme (ETP),” it added.
While the ETP implementation will be predominantly financed by the private sector and result in higher business loans growth, ECM Libra said it was cautious on the prospect of project implementation delay at this juncture.
The banking industry saw an overall loans growth of 13.2% year-on-year (y-o-y) in November 2010 due to business and household sector loans expansion as compared with the 12.4% y-o-y loans growth seen in October 2010.
“This growth has surpassed the previous high of 12.9% y-o-y growth almost two years earlier in December 2008. The peak before this would be the 14.9% growth in April 1998. Thus, industry loans growth is now at the highest level since the Asian financial crisis,” said AmResearch.
However, slower growth was seen in leading indicators. Loans applications, approvals and disbursements all expanded slower on a y-o-y basis for November 2010 at 13.2%, 4.7% and 0.7% against October’s 20.8%, 21.4% and 11.8% respectively.
Despite the slower loans growth, AmResearch said the absolute amount of loans applied of RM56bil was still close to peak levels compared with the monthly average of RM43.4bil for 2009.
It added that the muted increase in loans approved in November 2010 was not a major concern, as it came mainly from a 74.5% y-o-y drop in other purpose segment (which included lumpy loans approved to the public sector).
OSK Research said that loans applications dipped as applications for the business and household sectors trended lower. It added that weaker demand for construction and purchases of fixed assets other than land and buildings led to slower business applications.
“Loans applications for the household sector declined, mainly due to slowing growth in the purchase of residential property,” said OSK Research.
Loans approval growth slowed due to weaker growth in the business sector with loans approvals for the purchase of fixed assets other than land and buildings being the major drag while loans approvals for the household sector moderated, it added.
Meanwhile, ECM Libra said competition in the mortgage market had resulted in widening negative spread over the base lending rate (BLR).
“This is likely the cause for the fall in average lending rate (ALR) to 4.99% despite average BLR remaining unchanged at 6.27%. Interest margin is under pressure as the ALR-3 month fixed deposit spread has fallen to 2.25%, the lowest level in 12 years,” it added.
However, momentum in merger and acquisition activities is expected to be sustained, which would underpin non-interest income growth. CIMB Group Holdings Bhd would be the main beneficiary, said ECM Libra.
By JEEVA ARULAMPALAM
jeeva@thestar.com.my | Jan 4, 2011
agaknya boleh mempengaruhi dividen utk thn nie x? |
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Reply queenhua
ooo...biarla rahsia.....adoii...best karok lagu ni... ..
xper...psl i ...
bintang_hati Post at 6-1-2011 12:46
Rasanya thread starter ja yg boleh compile semua jawapan dan edit dalam post dia... kalo jawab kat tengah2 ni bintang, org xnampak gak.. pastu tanya balik... tak ramai yg rajin nak selak belakang2 walaupun hanya ada beberapa pages... huhuhu
As for investment, betul la, banyak investment kita, banyak la returnnya... tapi takkan nak tunggu banyak duit br nak invest kot kan. Rasanya persoalan RM50k, RM100k, RM200k tu lebih kepada org yg dah banyak duit... bg golongan marhain mcm queen ni, boleh dapat dividen setakat mampu pun sudahla. Lagipun tujuan penubuhan AHB ni untuk wealth distribution for Bumiputera, yg kompem tak mampu nak miliki asset2 commercial kat big city.
Kalau ikut logik, semakin besar fund itu, semakin ramai investors, bahagian yg kita akan dapat akan lebih kecik, sebab kena bahagi kat lebih ramai org. Macam pie, kalo bahagi 10 lg sikit kita dapat compare to kita bahagi 4. Tapi, size fund PHB ni ada limit, bergantung kepada nilai bangunan2 pada masa fund itu dibuka, jadi takat tu je lah boleh beli. So selagi bangunan2 tu ada dapat income yg competitive selagi itu dividen pun competitive. Menjawab soalan tak? hehehe... |
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Reply 134# bintang_hati
dah lama tak mengarang kan... pastu konpius sendiri tgk apa yg ditulis... |
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Reply 135# queenhua
ooo tuan/puan pengarang rupanye.....hehe ...xper, sudilah mengarang psl AHB lak... |
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Reply 136# bintang_hati
Bukan pengarang la.. sebab tu xpandai nak menerangkan..
Kiranya soalan pasal AHB ni, org tanya satu ayat, jawab satu ayat pass la, bila soalan dah berjela dan perlu jawab berjela2, terus fail  |
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dah amik borang kat mbb tadi.. tapi service center kene p main branch... harap2 dapat.. |
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masih tertanya2 nih..
cmana pengagihan % klu dpt 2x setahun? ...3%-3% ke? total 6% kan... |
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katanya maybank ada sediakan loan utk AHB nie...die bt ala2 mcm ASB loan... ada sesapa tau x ? |
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Category: Belia & Informasi
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Post time 30-12-2010 08:02 PM
