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finally.. hope semua dimudahkan |
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Edited by pasa at 7-7-2020 01:21 AM
ni just pendapat sy.
Sbnrnya sis tak perlu buka akaun FD nak beli rumah,
Cukup kalau ada ASB, saham, simpanan tabung haji, EA form sbg supporting dokumen.
lagi satu sis berhenti kerja potongan KWSP sis dah stop, bila stop mmg bank susah nak bagi loan sbb sis tak ad income.
bila banker mintak sis buka akaun Fd ni diorg just nak tgk sis ada saving tak tu je. Bank akan offer loan 80-90% pada sis FD tu dia nk tgk sis blh sediakan tak. kalau blh sediakan baru diorg offer loan pada sis tapi mmg diorg tak bg loan 100% 70-90%
yg lain masih pada EA form KWSP dan gaji sis.
CCRIS nye report 6 bln je dalam sistem banm cuma kalau CCRISS sll muncul bank pun susah nak bagi loan.
sbb tu pengurusan hutang ni mmg kene jaga elok2.
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ha..ha..lawak la johny ni...bagus johny ni...minta maaf bila tersingkap..
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alani replied at 30-6-2020 01:51 PM
Just for an update,
we all dh accept loan offer tu.. fix deposit tu tempoh dia dlm 5 tahun.. so ...
Good move chuolz... cc ni ada bagus dia, as long as you pay the whole monthly statement balance... beza tau outstanding balance vs stament balance... outstanding balance tu is current hutang dlm card, statement balance tu is hutang yg u kena langsai by due date... jadi pengguna bijak, make sure u bayar "statement balance" before due date tu.. tu je tips pakai CC dengan bijak.. lagi satu, bleh guna facilities 0% interest dengan kedai2 yang participate faciltiies tu dgn bank u....
I mmg ada FD dengan maybank, initial investment 200k... sbb itu jadi retirement fund i utk long term dgn maybank... ni as sampingan je lah, sbb asb1 and asb2, tabung haji tu kira investment lain lah, tak perlu story sini sbb dah byk thread ada bincang kan.... the beauty of having FD acc dgn bank i dah terangkan sebelum ni... even warna credit and debit card pun tak sama dengan orang lain... biasa debit card maybank gambar cherry kan...
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buat jelah tp ambik yg short term. tengok jugak berapa interest rate dia offer |
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betul. buat je. maybank skrg pun tgh ada good deals tau sampai 7 dec.
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hmmm kalau fixed deposit ni ada bank yg bagi tinggi kan interest kan?
kena bijak survey satu2 bank utk tau jugak lepas tu kalau bank ni selalunya memang offer rendah.
better simpan jek kat KWSP, ASB dan seangkatan dgnnya lagi tinggi.
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apa good deals maybank bg tu? sy takbanyak modal sgt, dlm 5k je boleh letak ke?
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boleh je bang. 5k pun dah okay sgt tu. sy baca kalau 5k dapat rate ni:2months - 3.50%
4months - 3.75%
6months - 3.85%
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betul tu. tp utk short term boleh buat under bank. ada 2/4/6 bulan. kalau skrg sampai 7dec ni maybank punya rate offer mmg baguslah. mcm brader atas ni tunjuk. boleh refer link tu skali.
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wooo kira ok lah tinggi gak tu untuk FD bank kat Malaysia ni.
sebab kalau simpan kat ASB ke TH memang makan dividen je tapi sikit je haha
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dorang ikut rate semasa... kalau macam bank ni yg oknya rates dia boleh naik tinggi kalau dorang buat offer lah.
simpan je lah utk tempoh 6 bulan en ak pon nak try lah register online kat website maybank2u tu
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mungkin bisa mulai menabung lagi supaya dana cukup untuk melanjutkan proses loan yang di inginkan |
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Category: Belia & Informasi
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Post time 7-7-2020 12:07 AM
Post time 7-7-2020 01:16 AM
