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Housing Loan Paling Best?

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Author: azhartahir       Show all posts   Read mode

Post time 13-9-2011 12:17 PM | Show all posts
Reply  tuah_r
leh bro bagi komen klu sy nak tau dapatkan CASH dan juga RATE YG BETTER...tq
sunfizz Post at 13-9-2011 10:41


aku taktau lah ko nak buat kat rumah sendiri ko duduk or rumah ko sewakan kat org.

DAPAT CASH

rumah ko beli rm100k, loan tinggal rm50k, market value rumah ko rm150k...
ko sewakan rumah ko rm700/month,installement ko skang rm450/month.

kalau ko refinance,ko akan dpt cash +- rm100k (rm150k - rm50k),dengan duit tuh ko bleh buat mcm2 lah..investment ke apa.
installement ko pon akan naik, cth drp rm450 ke rm700...so bulan2 ko takde +ve cash flow lagi,tapi ko ada cash rm100k..

RATE BETTER
dulu mungkin ko punya loan fix 7% setahun, skang pakej lagi menarik..so ko refinance utk dpt rate lebih rendah.

tapi kene kira penalti semua dulu lah..berbaloi ke tak.

ps:kalau ada silap..sila tunjuk ajar
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Post time 13-9-2011 01:47 PM | Show all posts
MBSB mmg mahal..tp ok la tu dlm dunia ni bile bende yg senang mesti la kne bayor lebih ye dak.. da ccris & ctos bagai tp berkeinginan nak beli rumah sndr so mane lg hala tuju kalau tak ke MBSB kan? tp dgr cite MBSB pun nak kuatkuasakan cek ccris ni so sespe yg nak beli rumah tp byk hutang cecepat la roger ngn MBSB ni ye..  <---ntah2 da efektif kot cek sndr la ye

p/s : pucuk pangkal ye semua bank same la woi!
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Post time 14-9-2011 01:02 AM | Show all posts
ramai yg offer BLR minus 2.4 sekarang nie...
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Post time 15-9-2011 03:53 PM | Show all posts
Kalu mebeng memang tak takut sangat.. Bank paling mantop!
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Post time 21-9-2011 02:09 PM | Show all posts
smlm br sign loan ngan PUBLIC BANK BLR - 2.4%. cool
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Post time 30-9-2011 01:19 AM | Show all posts
ko nak loan islamic ke konbensenel?
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Post time 30-9-2011 09:41 AM | Show all posts
Reply 85# chandury


rate ko dapat ni utk loan untuk bape ribu?
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Post time 3-10-2011 10:06 AM | Show all posts
loan gomen baper persen hah?
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Post time 3-10-2011 12:24 PM | Show all posts
Reply 88# ruffleen


    rate gomen 4% reducing balance...

kalau convert ke flat rate akan jadi 2.2% je...
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Post time 3-10-2011 01:29 PM | Show all posts
Reply  ruffleen

    rate gomen 4% reducing balance...

kalau convert ke flat rate akan jadi 2.2% je...
yus262 Post at 3-10-2011 12:24

maksudnya?
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Post time 3-10-2011 05:11 PM | Show all posts
Reply 90# ruffleen


    maksudnya,kalau buat loan dgn gomen adalah rate 4%...
kalau dgn bank blr-x.xx%...

katakanlah maybank bagi blr-2.6%(blr sekarang 6.6%),jadi rate maybank bagi adalah 6.6%-2.6%=4%...walaupun rate antara maybank dgn gomen rate adalah sama at 4%, sebenarnya rate gomen lagi murah sebab 4% berdasarkan baki berkurangan..tapi kene tanya jugak la bank punya loan tu mcmana,flat ke,flexi ke overdraft ke...

rata rata kalau org dapat offer bank contoh blr-2.7%=3.9%, akan cakap loan bank lagi murah dari loan gomen,jadi kalau blr naik maka loan akan naik,walhal loan gomen tu maintain je...
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Post time 4-10-2011 07:19 AM | Show all posts
Reply 91# yus262

wow! kalo gitu baik amik je loan gomen. dah alang2 keje ngan gomen kan, guna ajelah kemudahan yg disediakan
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Post time 4-10-2011 10:45 AM | Show all posts
Reply 92# ruffleen


    ada limit tak loan gomen? kalo ada limit baik pakai loan bank utk investmen...pakai loan gomen utk rumah idaman...kalo tak de limit belasah je loan gomen...bestnye keje gomen
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Post time 4-10-2011 10:47 AM | Show all posts
Reply 93# ecomoda012

haha...aku nak beli sebijik je rumah....tanak banyak2
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Post time 4-10-2011 10:54 AM | Show all posts
Reply 94# ruffleen

kak...kalo duit bnyk beli je umah bnyk2...property investment mmg masyuk...untung2 bole beli cincin 24 jota
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Post time 4-10-2011 10:56 AM | Show all posts
Reply  ruffleen
kak...kalo duit bnyk beli je umah bnyk2...property investment mmg masyuk...untung2 bole beli cincin 24 jota
ecomoda012 Post at 4-10-2011 10:54

eh ko perli aku yer hahahaa tanak le bnyk2 rumah..kang letih nak mengemas
satu cukup...kalo ada bnyk2 rumah pun bukan aku boleh pegi jenguk tiap2 hari....kang ada 'penunggu' lain yg 'menyewa'
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Post time 4-10-2011 11:48 AM | Show all posts
Reply 91# yus262


bro, tolong terangkan skit camne loan rumah style overdraft ni ye
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Post time 15-10-2011 02:38 PM | Show all posts
klu bgus tgkla bape BLr bole bg..klu bole dpt more than -2.4% pun better, tp biasenyer org melayu kite jarang nk mintak lebih2, klu mcm cina dorang akn fight  abis2 nk better rate, n satu kemalasan bg banker2 ni kdg profile customer ok tp dia x kn fight ape2 yg de best for customer klu customer x mintak, otherwise dia ade competitor mne2 bank yg bole offer better than dia offer bru dia nk fight.

tp satu peringatan la..if dia offer BLR yg cantik cam -2.4% or -2.5% kene tgk terms n condition apply mungkin dia akan lock in period yg panjang, bank x kn nk rugi..dia bg tang ni..dia sedut tang ni...kdg2 sedut kt hidden cost, bykla bank yg buat cm ni..

n pd sy la..better amek yg better rate, mintak ngn banker, klu yakin profile financial ok. n lg 1 better amek islamic financial yg variable..concept same cm konvensional, tp dia ade capping rate @ ceiling rate, that means mcm mane BLR naik skali pun dia mati kt 1 tahap jek.. so bank x bole charge more than dia bole charge interest dlm konvesional loan. lg [pun if BLR trun bank akn buat calculation smule & bg rebate ujung loan tenure.. n jgn risau dia islamic loan yg mcm ni gak..bole reduce prinsipal n lg 1 ade 20% of duty setem.

byk lg la nk diterangkan..refer la kt beberapa bank b4 decide utk amek mane2 loan, apply byk2 bank..n pas tu compare..byk jek customer cina wt cm ni...good luck!
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Post time 17-10-2011 09:34 AM | Show all posts
Reply 98# nininain

boleh cadang tak apa bank yang bagi rate terbaik sekarang ni. hari tu pegi hsbc, dia bagi -2.05 je kalau buat refinance rm 200k
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Post time 17-10-2011 11:29 AM | Show all posts
Post Last Edit by ilahkhatibrani at 17-10-2011 11:34

kalau nak cepat abis bayar loan rumah tak kiralah islamic atau conventional..yg penting reducing balance dan daily interest

kalau bulanan bayaran RM1500 leh wat tiga cara dibawah iaitu

1. rm1500 bahagi 12 bulan = rm125
jadi bayar setiap bulan =RM1500+125
                                      =RM1625.00 ( nak penerangan lanjut ...rajin2lah selak umah kat belakang nie.)

2.RM1500 bahagi 4 ( tuk empat minggu dlm sebulan )

Jumlahnya RM375.00.

Bayar setiap minggu pada hari pertama sebanyak RM375 sebelum due date.

3.RM1500 bahagi tuk dua minggu

Bayaran =rm750.00

bayaran setiap dua minggu pada hari pertama sebelum due date.


kalau ada yg silap ....otai2..tolong betulkan yek
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