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Housing Loan Paling Best?

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Author: azhartahir       Show all posts   Read mode

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 Author| Post time 20-8-2011 10:12 AM | Show all posts
yg aku pernah tanya dulu end of last year ...

so far paling ok ...
public bank -2.2 , RHB -2.2 . ...
Jesse_Mccartney Post at 19-8-2011 17:55


lagi satu kene tanya ... ada lock in period dak ?
ada bank bagi lock in period 5 taun ... kalau ju ...
Jesse_Mccartney Post at 19-8-2011 17:58



tak tanya pulak soklan tu...
thanks jesse
biasanya penalti kat ana bank lebih kurang 2% gak ker?
tapi apa kena mengena fix rate dengan AIA or ING?
bukan ni insurance company ker?
sory.......dengan soklan2 cmni
tak mahir lagi dengan housing loan ni
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Post time 20-8-2011 11:22 PM | Show all posts
Reply 41# azhartahir
lock in period tu ...depend bank .. ada yg 2 ... ada yg 3% ... aku dah lupa mana satu ...
cuba ko clarify dgn bank balik ...

AIA and ING --- yes they are insurance company -- tapi ada bg service home loan ...
cuba servey2 kat internet ... last aku perasan ... offer tu sampai bulan april ...
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Post time 21-8-2011 01:43 AM | Show all posts
Reply 42# Jesse_Mccartney


diorg bagi fix rate........
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Post time 22-8-2011 09:02 AM | Show all posts
Aku amik loan umah dgn Bank Muamalat.. sangat2 mencekik walaupun sesama Islam..
Loan + Bunga = 3 kali ganda loan
Jangan ambik loan umah dgn Bank Muamalat.
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 Author| Post time 22-8-2011 11:33 AM | Show all posts
Reply  Jesse_Mccartney


diorg bagi fix rate........
Acong Post at 21-8-2011 01:43




fix rate, daripada tahun 1 hingga tahun 30 samasahaja kan interest ratenya?
selain daripada fix rate ada apa lagi?
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Post time 22-8-2011 02:59 PM | Show all posts
nak tanya kalo property auction...kita kena wat loan dengan bank melelong property tu ke? boleh ke tukau bank lain?
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Post time 23-8-2011 01:28 PM | Show all posts
Aku amik loan umah dgn Bank Muamalat.. sangat2 mencekik walaupun sesama Islam..
Loan + Bunga = 3 ka ...
rinacomel79 Post at 22-8-2011 09:02



haritue bank muamalat gave me best deal BLR-2.6%

next, cimbeng kasik BLR-2.4%
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Post time 23-8-2011 03:20 PM | Show all posts
Reply 33# azhartahir


    bukan setakat kene tahu interest rate berapa, kene gak tahu loan tu interestnya dikira mcmana...

kalau nak untung, cari bank yg offer interest rate(tak kisah la flaoting pun) tapi loan tu mesti 'daily reducing balance'...kalau guna loan ni, walaupun kita pinjam 30 tahun, kalau kita twist sikit cara pembayaran ke 4 kali sebulan, loan tu mungkin akan habis dalam masa 18-23 tahun.....
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Post time 23-8-2011 07:00 PM | Show all posts
Aku amik loan umah dgn Bank Muamalat.. sangat2 mencekik walaupun sesama Islam..
Loan + Bunga = 3 ka ...
rinacomel79 Post at 22-8-2011 09:02 AM

kene baca agreement betul2 ...

maybe kiraan berdasarkan capping interest rate ...
aku tak brapa ingat macam mana bank officer tu tunjuk cara kira loan base on capping rate ...
cthnya dia ambik capping 12.5 so tolak BLR .. katakan ...-2.5 ...
So kiraan bayaran loan adalah berdasarkan capping rate which is = BLR 10.0 ...

Tapi sebenarnya bayaran loan rumah masih mengikut BLR semasa .. which is 6.6 - 2.5 = 4.1% ..
Tgk lah ... kalau tiba2 BLR semasa naik ... maybe kene bayar lebih sikit @ bayaran tetap sama ... tapi kene bayar interest lebih berbanding pinjaman pokok ...
Pengiraan tersebut berdasarkan islamic loan calculation ....

Pengiraan interest untuk konventional loan ... tak brapa sure ...
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Post time 23-8-2011 07:02 PM | Show all posts
haritue bank muamalat gave me best deal BLR-2.6%

next, cimbeng kasik BLR-2.4%
tina^^ Post at 23-8-2011 01:28 PM


tingginya -2.6 ...   ... kalau BLR 6.6 = 4% ...
macam rate government loan lak ...
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Post time 23-8-2011 07:08 PM | Show all posts
tak suka Cimbeng ngan Maybank ... ...

lambat sikit bayar loan ... operator dia sibuk 2-3 kali sebulan telepon .. with annoying remark ...
haha ... kadang terlupa bayar or terguna duit wat menda lain .... so bayor loan lambat sikit ...
kalau tak perlu ... tak payah la wat loan ... beli apa2 - cash ajek ... boleh tidor nyenyak tanpa gangguan.
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Post time 23-8-2011 07:56 PM | Show all posts
blr tu apa....aku tk tau..nak bli umah jgk
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Post time 23-8-2011 10:03 PM | Show all posts
tolong elak Israel Bank a.k.a Bank Islam
matbuq Post at 15-8-2011 22:22



   err. kenape bank Islam jadi bank Israel ?
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Post time 23-8-2011 10:06 PM | Show all posts
tingginya -2.6 ...   ... kalau BLR 6.6 = 4% ...
macam rate government loan lak ...{:1_1 ...
Jesse_Mccartney Post at 23-8-2011 19:02



actually they offer -2.4 ajek aritue, nego punyer nego punyer nego, they're willing to give it at -2.6......aper lagissss

dengan bank nie mulut kena rajin cakap tanyer dan mintakkkkkkkkkkkk selagi boleh.
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Post time 23-8-2011 10:22 PM | Show all posts
Acong Post at 16-8-2011 21:09



   dah bace dah. tq for the link.
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Post time 24-8-2011 05:56 AM | Show all posts
err. kenape bank Islam jadi bank Israel ?
car-lover11 Post at 23-8-2011 22:03





nama ja islam tp service mcm israel dah...ramai dh kwn2 aku terkena....loan release lambat gila sampai customer kena penalti dgn developer..........nak mintak waive tak boleh lak tu....bank conventional lain boleh ja waive penalti tu sbb mmg salah bank, lawyer punya kerja awai2 lg siap....semua islamic loan ats nama saja tp bank islam paling teruk la bg aku
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Post time 24-8-2011 07:50 AM | Show all posts
Reply 50# Jesse_Mccartney


    walaupun rate govt tu 4%,ianya adalah reducing balance...nak tahu berapa flat rate untuk rate govt nie...2.11%...saya dah buat,nasib baik boleh buat loan ni walaupun bukan keje govt...save duit...
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Post time 24-8-2011 07:56 AM | Show all posts
Post Last Edit by selipar_hijau at 24-8-2011 07:57

aku nyer umah cimb, -1.6%, harga umah 80k.
aku pn x berapa paham sgt pasal BLR ni.

bleh sesapa tolong habaq skit dak?
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Post time 24-8-2011 09:52 AM | Show all posts
BLR (Base Lending Rate), sekarang rate untuk BLR = 6.60%
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Post time 24-8-2011 03:19 PM | Show all posts
nama ja islam tp service mcm israel dah...ramai dh kwn2 aku terkena....loan release lambat ...
matbuq Post at 24-8-2011 05:56



   disebabkan nama bank tu. org pcaye orng buat transaction dngan dye. tapi lau mcm ni servicenye jng pkai la nama Islam tu. Memalukan. Kita yg Islam
kene tempias x gitu ?
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