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aku skrng pakai bios.
aku buat downpayment 20k.
bayar bulan2 lebih kurang 1.2k sebulan selama 5 tahun.
kalo nak buat pinjaman yang senang nak beres and bunga pun rendah amik je pinjaman dkt
public bank.
masa mula2 aku try nk wat pinjaman dkt maybnk.
takdapt fullloan.
last2 dpt 50k jer.
huhuh,...
aku cadangkan ko amik dkt public bank jer,..
maybnak nyusahkan btol.. |
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kalo downpayment 10,000 buat 7 tahun per-mounth beraper... |
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nak kira kena tau harga keta pastu brape downpayment, pastu interest rate dan baper tahun nak utang....meh aku kirakan...
free jee |
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Originally posted by ayamserama at 12-7-2006 08:51 AM
Aku nak tanya..kalau gaji bersih aku RM1700, nak buat loan kereta beli vios, bulan2 byr RM800 lebih..Aku guna wife aku sebagai penjamin..dia gaji bersih RM1400
Agak2 aku layak tak nak buat loan..? ...
klu aku mcm ko, aku brani keta 60k jer... lainlah ko ader side income |
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Originally posted by rambutan at 14-8-2006 10:58 AM
klu aku mcm ko, aku brani keta 60k jer... lainlah ko ader side income
kalau haku gaji bersih RM1.7k, kete 60k pong tarak brani.. |
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Originally posted by waksir at 19-7-2006 12:29 PM
waduh2 ... gaji aku sorang pun lbh drp gaji kau berdua tapi aku pakai keta nasional je .....
.... byk side income ke
 :
Hmmm aku pun sama gak, gaji aku lebih dari gaji ko laki bini combine, tambahan bini aku pun keje gak, lepas tolak bahagi campur dan kali, mampu pakai kete nasional je.. kene ingat opex, jgn pikir capex je.. tapi kalu side income mantap & family kicik no hal la... |
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Originally posted by Fast-N-Furious at 14-8-2006 12:22 PM
kalau haku gaji bersih RM1.7k, kete 60k pong tarak brani..
klu campor laki bini aarr:nyorok:..... sorang punya income memang tarak brani:nerd: |
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last week i book kancil 850. bayar booking rm100 je. lagi belen rm398 bayar lps loan approve. monthly RM345 for 9 yrs.
tak tau la blh lepas loan ke tidak sbb i takde keje tetap. cuma kasi copy personal bank statement dgn form 49 (company husband punya). tu pun mamat tu ckp akaun mesti aktif...kurang2 pun mau RM3K sebln. mmg ada amount sebyk tu yg masuk tiap2 bln.
tgk la dlm 2-3 hari lagi, tawakkal je la. yg ada keje tetap pun payah nak lepas, inikan pulak i yg keje on & off je. nnt kena combine dgn akaun husband la pulak utk loan baru.
my 1st time....baru nak test loan kancil. kalau test loan citra, gelak beso lak bdk2 bank. |
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blintrell This user has been deleted
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saya beli kete mercedes.. cash lagi.. no hal je... berlagak la kau org ni... |
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Reply #29 blintrell's post
aik... aku rasa ko pun ada unsur2 belagak maah..
tak baik riak2 ni.. insapp laaa wahai insann... cewaahh... hehee... :lebai: |
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Reply #30 takumi86's post
takpe la.. aku layan je..  |
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klu ko gji rm3.8k sbln, loan 60k x lps, mmg ade sumthing wrong dgn ko punyer pymt history..bkn salah bank dah 2...
bbalik pd tajuk utama:rm1.7k + rm1.4k = rm3.1k..ko dah layak dpt kete rm800/mth secara kasarnyer..tp,
1)klu ko blm beli rmh then ada plan lps nih, ko kene konsider cam nih卛nstallment rmh yg ko nk ambk+installment krete ko+sgala mcm loan yg ko dh ada(+cr card) mestilah x lbh dr 75%(depends on bank(kdg2 smpai 80%)) dari gaji ko n isteri.means, ko ada balance lagi 25% utk mkn-ikut pengiraan bank...
2)klu ko dh ader rmh, same jgk pengiraan dia..klu rmh rm1k+krete rm800+cr crd rm500=rm2.3k.Jd lps lah dgn gaji korang rm3.1k..klu ko ader lg loan lain..personal loan ker卛tu yg jd kan x lps..
jd tepuk dada tanya diri..klu krete 2 blh memuaskan ati ko, go on |
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Reply #32 generasi2's post
betul tu...
lagipun kalau mak bapak kaya raya apa salahnya...side income ada, tanah pusaka ada...
aku rasa income 3K sebulan takde masalah nak beli bios tu. pandai2 la jaga akaun tu...
tak buleh le nak makan sedap2 selalu... |
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Reply #5 bmw_e34's post
sumthing is wrong w ur credit crd pymt..bmw_e34
actually x necessary 0,0,0,0,0,...1,1,1,1, pun dh ok...means u pay every mth at least min pymt by due date...n b4 nx statement date. |
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ninjamerah This user has been deleted
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aku sebenarnya tak berapa paham tentang tarikh akhir bayar kad kredit ni.
bukan ka ada statement date dan due date? exceed yang mana satu yang kena denda? |
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Reply #29 blintrell's post
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ko beli mercedes batman yg mcm teksi kat kelantan tu ke? mercedes gak kan |
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Reply #35 ninjamerah's post
exceed due date, ko kene late chrgs..
exceed state date, record ko jd x cemerlang lah..
akan jd 2 dlm record bank.so, jgn xceed due date.
baru lah 11111 |
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Originally posted by Fast-N-Furious at 14-8-2006 12:22 PM
kalau haku gaji bersih RM1.7k, kete 60k pong tarak brani..
:setuju: ader nanti yg keta dok parking kat umah je........ |
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skg dah tukau..bukan 1/3 dr salary...tp 1/4... |
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aku nih naik cered ora je.. kalo nak tukar keta pun maybe naik wira buruk.. sebab besar sikit... kalo kompeni tanya nak keta apa.. baru aku angkat EK...  |
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Post time 3-8-2006 08:53 PM
