Housing Loan Paling Best?

fyhan88

Tahun 2012 ni nk buat loan dah jadi sgt susah..kata 'org bank' dekat2 nk pilihanraya ni digalakkan r ...
llisamaisarah Post at 6-1-2012 02:40

Sebenarnya mmg da start bulan december lepas di mana loan akan berdasarkan net income dan loan akan lebih ketat...tetapi kalau credit anda dengan bank cantik dan xpernah ada mslh seperti ccris dan cctos,memang senang buat loan...

For home loan and refinance
Email to fy_han88@hotmail.com

regards,

Han


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jenglut

Kesian dgn Kaum Gen Y, baru abis graduate da tanggung utang ptpn
Gaji rm3,000 mana cukup nak beli umah bertanah rata2 di klang valley almost rm400k, bln2 instalment rm2k
Increment gaji if 10% baru rm300 per annum
Inflation saja almost 6%

fairiza

Kesian dgn Kaum Gen Y, baru abis graduate da tanggung utang ptpn
Gaji rm3,000 mana cukup nak beli u ...
jenglut Post at 14-1-2012 02:13

    wah increment 10%... skang x de maknanya increment nak cecah byk camtuh.... setakat <5% ada la nokkkk.... gaji makin lama makin sikit naik.... tapi rege barang mak aiiiiihhhh... mencanak2....

mieezaa

saya amik ngn muamalat dapat -2.3%(1 year n 2year) pastu -2.4% until finish..capped ceiling rat 10% property harga 280K

fyhan88

Ada bank bg blr-2.4 fix for whole tenure for 250k above..


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Acong

AIA bagi fix 4.9% hingga loan habis........

fyhan88

/^

/sfix rate 4.85 for whole tenure
....azizi ali berkata untuk pinjaman perumahan sepanjang 30 tahun sebaiknya ambil fix rate,kepala xpening bila blr naik...pengeluaran setiap bulan pon terancang..

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baby_pingu

Reply 161# fyhan88


    Appreciate if fyhann bleh edit2 post supaya tak mcm pengiklanan...
kat sini actually tak bleh iklan, better guna CARI Classified kalo nak iklankan product or services. kat sini utk discussion in general ja.

wanitajelita

saya amik ngn muamalat dapat -2.3%(1 year n 2year) pastu -2.4% until finish..capped ceiling rat 10%: ...
mieezaa Post at 17-1-2012 10:46

   dah check belom BFR berapa? hari tu wj approve
bank muamalat : BFR - 2.2%

CIMB : BLR - 2.2%

tapi BLR 6.6, BFR 6.65..... thats why wj amik CIMB

fyhan88

Reply 169# wanitajelita


ada bank boleh bg -2.4 for whole tenure..
email saya kalau nak tau lg..fy_han88@hotmail.com


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im_cyclist

ambil personal loan dr mbsb.
flat rate.
ade 3.99%, 4.99%..
ade yg blh spai 300k.
pastu, terus bli umah cash.
byr monthly pd mbsb je.

fyhan88

Reply 171# im_cyclist


    itu pon kalau dpt 300k..kalau xdpt,sme je...sbb nk dpt 300k msti ada t&c die..


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aarie

ambil personal loan dr mbsb.
flat rate.
ade 3.99%, 4.99%..

im_cyclist Post at 28-1-2012 12:47

dah study ke beza flat rate personal loan nie...
compare dengan monthly rest reducing balance kebanyakan housing loan?...

jangan mudah terkeliru dgn mainan figures tu saja...
kira dulu actual total repayment sum...

im_cyclist

Reply 173# aarie

kalau nk cpt..
ambillah personal loan.
sy x pnh lh study.
cumanye sy dpt info dr b.rkyat,
rmai lecturer upsi bli umh gune personal loan b.rkyat.
at de same time, kwn yg jd lecturer kt ctu pun,
bli rmh gune personal loan dr b. rkyat.
tp rate b.rkyat lbh tggi..
sy pun x smpt nk tnye byk dgn mbsb, sbb tergesa2 ambil borg.
sy smpt tnye rate loan rumah dgn mbsb.
jwpn dberi, 5.6%.
bg sy tggi..
itu jelh.

aarie

Reply 174# im_cyclist

untuk renungan bersama......

Why Flat Rate of Interest is considered as Misleading?
In other words, what’s wrong with quoting flat rate of interest?
Flat rate is misleading because it’s not the actual rate of interest you pay.
It will reflect the true picture only if you repay the entire loan at the end of the period rather than making monthly repayments.

For example a flat rate of interest of 10% for a 3-yr loan period is equivalent to 17.92% reducing balance rate.
- http://www.themoneyquest.com/201 ... ducing-balance.html

basically untuk flat rate...
perkiraan jumlah yg perlu dibayar semula menganggap
pinjaman diguna/simpan/pakai sepenuhnya sehingga akhir tempuh
tanpa sebarang bayaran balik sehingga tarikh tersebut...
contoh 10% for 3 years, pinjaman $1000
tahun pertama  charge $1000 x 10%= $100
tahun dua pun still $1000 x 10% = $100
tahun tiga pun masih $1000 x 10% = $100
jumlah rm $300 so total kena bayar $1300...

bulan2 bayar $1300/36 = $36.11 i.e 35 bulan bayar $37 last month bayar $5

so walaupun pada akhir tahun kedua tu outstanding balance kena bayar tu tak sampai $500
interest calculation tu still based on $1000 jugak........

sepatutnya... based on flat rate calculation..
u hanya perlu bayar $1300 tu pada penghujung bulan ke 36 jer
tu baru betul..........

inspiron4545

AIA bagi fix 4.9% hingga loan habis........
Acong Post at 18-1-2012 02:06

berapa min.loan die..selalu kalau camni,250K above

inspiron4545

ambil personal loan dr mbsb.
flat rate.
ade 3.99%, 4.99%..
ade yg blh spai 300k.
pastu, terus bl ...
im_cyclist Post at 28-1-2012 12:47

mbsb boleh bg 100% loan ke?

inspiron4545

nk tanya pada otai2 di sini..
BFR minus 2.1% to 2.2% (zero entry cost)
BFR minus 2.2% to 2.3% (finance entry cost)
mana lagi bagus? or 2x5 jer?

fyhan88

berapa min.loan die..selalu kalau camni,250K above
inspiron4545 Post at 16-3-2012 08:54

Min loan 100k...


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fyhan88

mbsb boleh bg 100% loan ke?
inspiron4545 Post at 16-3-2012 08:57

Mbsb sama je dengan bank lain..twtapi mbsb ni die punya rate mmg tinggi...
Sekarang mmg dah tiada zero entry cost melainkan semua fee dimasukkan dalam loan...
untuk pengetahuan tuan,jika semua fee dimasukkan dalam loan,bersamaan tuan membayar all the fee untuk 2 rumah..cth septtnya tuan perlu byr 6k,tetapi tuan nk masukkan dalam loan akan jadi 12k..
Fyi,perbezaan 0.1 ada effect untuk masa depan kerana,blr tidak tetap..bila2 masa sahaja akn naik..kenaikan 0.5,akan buat installment tuan lgi tinggi atau tahun mkin panjang..

Han
mortgage specialist
fy_han88@hotmail.com
013-3747762


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