Keperluan hutang, CC, dan Personal Loan pada Famili...

ajinomotonosuga

Originally posted by NURMIMIE at 26-3-2008 05:59 PM


nak suruh carik kawsan lain mcm mana?.. dah memang terpacak kat situ dah

ok ok nasihat diterima..

sewakan jek..satu kaki persegi sepoh inggit..100 kaki 1000 inggit..mau amik takmo blah..syuhhhhh..aa gitu. kalo depa takmo ko pi tanam kapa sawit..zaman ni skang seme bio fuel..letrik produced bukan dengan minyak dahh..pakai kapa sawit, kacang, jagung seme dah..

misy

cc ader 4 kpg..dah diberi...satu jek pakai...tu tuk wat bayar bil bil
personal loan takde, loan kete satu...

kalau buat personal loan utk kaver utang CC, atau utk mewah mewah rasanya tak patut la...lainla kalau utk keperluan mcm nak wat downpayment beli rumah ke,  tanggung medical mak ayah(emergency punye)

me prasan, my junior yg baru masuk keja kat opis ni sibuk dok buat loan kahwin...konon utk tanggung majlis kawin...to me mcm tak patut jek, sepatutnya benda cam tu dibuat mengikut kemampuan je, sah jugak nikahnya

kuchenta_81

bagus nyer info pasai financial
aku nih boros sket

ada 1 je cc, laki aku pun sama (dedua guna Maybank)
tuk emergency, isi minyak or beli barang (tgh bulan), kdg2 amik gak cash   

personal loan ada, tinggal 1 tahun lagik
loan lain; loan kete, loan umah
laki aku pun sama gak

lagi 4 bulan loan office settle, lega sket ada balance 500

fuh, kalu tak kira bebetul mau jiwa kacau nih

LostSoul

tina.. bagi aku kan, wujudnye islamic banking ni utk menyelaraskan urusniaga agar selaras dgn saranan Islam. its main objective is to eliminate the uncertainties in any transaction, so that both parties are well protected. and the amount owe/payable does not depend on uncertain factors (that affect BLR, for instance). so, thruout the years, economy might be up or down, but payment amount remain the same. olus, we gotta keep in mind yg even islamic banks pun, they are profit generating organization. so of coz, matlamat utama: maximize profit, but they do it in a 'halal' way - ensure that the money is invested in halal activities only.

of course, conventional banks pun ada islamic banking window.. this is the part where they segregate conventional and islamic banking products. bab tied up to their conventional segment, i'm not very sure, but for each of this FI, they have a syariah board that advise them.

btw, ini mengingatkan aku pada isu yg ditimbulkan last time: patutke pekerja2 bank go thru the process yg dinamakan "purifying" their income atas sbb gaji yg diberi setiap bulan berkemungkinan hasil dari investment dr activiti yg tidak halal..

budakjawa

skg bj ada 1 kad kredit ajork
doulu doulu ada 5 ... muahahaha
kesian orang bank tak pek curik duit gaji bj ..
takdok pinjaman peribadi

eh koko ... bj boleh nyampuks ke ?

my-alja

Originally posted by LostSoul at 26-3-2008 09:22 PM

of course, conventional banks pun ada islamic banking window.. this is the part where they segregate conventional and islamic banking products. bab tied up to their conventional segment, i'm not very sure, but for each of this FI, they have a syariah board that advise them.

...

yeah u rite on this...tapi tulah the advisor is paid by the company, some how for some reasons they tend to be "biased" just like us in here ...

my fren was one of the panel who set up the islamic banking system at one of the largest bank kat sini....she said, they shud hv an independent syariah board to monitor them closely, lebih kurang cam auditor bank negara terjah bank2 komercial ...kecut perut semua manager bank kalo geng2 nie dtg....setakat auditor luar dtg audit, manager bank siap suruh tukar ML...what to do ...they pay our salary

MelahJanda

ey ble tak aku bagi expenses aku kat sini supaya dapat dibuat judgement

assume GAJI         100%

loan keta               20%
personal loan           8%
nursery anak-anak   16%
sekolah                   6%
credit card             10%
minyak tol               3%
makan lunch            5%
runcit                    13%
susu nappy              6%
kutu                       3%

total =                   90%

(assume lagi tabung haji, asb dan insurans aku ngan budak2 dah dipotong awal2)


tolongg..perlu tak aku kawen jantan kaya raya

kikilalat

kutu??

kikilalat

haha... lepas aku post, baru aku ingat aper 'kutu' tuh... sorry

btw, peruntukan 'enjoy sakan' takder ker milah?

MelahJanda

tadek enjoy sakan kiki
kalo enjoy pun maknanya aku bawak budak2 pegi jenjalan genting ke sabah ke guna kredit card, baki gaji, asb


aji, kalo ko kaya cepatla minang haku

MelahJanda

oh ye lupa plak


lupa nak taruk nafkah asben bagi ekkk

cantthinkofany

Originally posted by MelahJanda at 27-3-2008 10:23 AM
tadek enjoy sakan kiki
kalo enjoy pun maknanya aku bawak budak2 pegi jenjalan genting ke sabah ke guna kredit card, baki gaji, asb


aji, kalo ko kaya cepatla minang haku

haaaaaaa...tu dia...gua ingat lu dah luper kat aji.....dah lama gak gua tak nampak lu ngorat aji...

MelahJanda

malehlaaa
dia pasan dia broery marantika
haku geli

cantthinkofany

Originally posted by MelahJanda at 27-3-2008 10:27 AM
malehlaaa
dia pasan dia broery marantika
haku geli

.......

koko2

Haa.....dah..dah..dah...
Jgn nak borak lelebih kat umah aku ni...!!!!:@

Umah haku ni cuma umah perkongsian & percaturan ide saje...

koko2

Originally posted by MelahJanda at 27-3-2008 10:14 AM
ey ble tak aku bagi expenses aku kat sini supaya dapat dibuat judgement

assume GAJI         100%

loan keta               20%
personal loan           8%
nursery anak-anak   16%
sekolah                   6%
credit card             10%
minyak tol               3%
makan lunch            5%
runcit                    13%
susu nappy              6%
kutu                       3%

total =                   90%

(assume lagi tabung haji, asb dan insurans aku ngan budak2 dah dipotong awal2)

...

Ko tertinggal portion loan umah ko ke..? tak msk pun...
Ke ko beli cash umah tu..?

MelahJanda

h
aa satu sebab tak best kat fd

takleh borak

cantthinkofany

Originally posted by MelahJanda at 27-3-2008 11:16 AM
h
aa satu sebab tak best kat fd

takleh borak

jangankan borak....gelak pun tak boleh dah..... ....

sebelum gua kena warning.....gua ade berderet CC....untuk cantikkan wallet....bagi tebal sikit....tiap kali pi shopping complex....ader jer orang hulur borang....condition membership free for life...for sure gua duk dengan comfortablenya untuk isi borang....dapat la banyak gak hadiah.... .....

loan?...beli keta....tak pernahnya nak habis habis....baru 2 tahun beli....gua dah gatal jer nak beli yang lain.....so non-stop hutang keta....

lonely_surina

koko, bley wat budget tak untuk org yg buat loan, cc dll ni? su suke sungguh baca posting2 koko...

LostSoul

melah, ada balance 10%.. ok tu... kira bijak jugak ko mengatur perbelanjaan.. plus, kutu tu part of simpanan jugak..

bijak bijak..