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[Tempatan]
Ramai belajar dari kesilapan silam ketika PKP. Masa sebelum PKP berjoli sakan dg
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cmf_premierleag replied at 7-6-2020 06:59 PM
oh ok..so kene cakap kita nak buat partial payment ye
ok.thanks
Aah..kena bagitau.
Kalau tak..bank dapat duit gitu..dia anggap u bank in nak bayar bulan2 je..tolak skit2 permonth..kira cam advance payment. Interest still makan duit yg u bank in tu. |
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Hi sitisitu25, kalau u cari subsale area shah alam, can contact me at 019-4779910. i ada property freehold (double storey), RM500k
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cmf_premierleag replied at 7-6-2020 06:40 PM
tolong spoon feed iols sis
cemana nk buat early settlement rumah
iols ada balance dlm 100K+
Masa u bayar utk reduce pricipal tu, jgn pi kat kaunter biasa, pi jumpa pegawai kat tepi tu bagi tau nak buat payment reduce principal. Surat tu, boleh je u minta kertas a4 dari pegawai bank tu pastu tulis tgn, tulis no acc loan, tulis amount .. title : potongan loan principal. Make sure pegawai tu cop terima surat & u ambil pic, simpan as proof. Pastikan juga pegawai tu, masukkan dlm system note tu. Kalau loan tu di branch tu, selalu terus boleh tgk principal turun ikut amount u bayar.
House loan settlement ni sesuai kalau u memang dah ada 6 mths cash savings or more. |
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yuki812 replied at 7-6-2020 06:53 PM
Dulu..sblm i settlekan umah, i buat refinance dulu..sbb masa beli awal tu interest tinggi..so mont ...
I think dr refinance, baik u just minta pengurangan loan interest. Tak perlu isi form, just jumpa bank officer. Selalunya, loan interest ni readjust depending on bank negara announcement. Lepas tu, baru pi jumpa bank minta reduction.
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Edited by yuki812 at 7-6-2020 09:50 PM
airisa replied at 7-6-2020 09:31 PM
I think dr refinance, baik u just minta pengurangan loan interest. Tak perlu isi form, just jumpa ...
Ooo...ni loan umah dah lama. Masa tu beli tahun 2006-2007 ke. Umh 150k. Rate interest time tu pun mmg tinggi. Harga umah pun masih tak mahal cam skrg..tapi rate interest skrg mcm rendah. Mmg calculation beza lah interest dulu ngn skrg. Kalau buat ngn bank sendiri tak byk kurang pun..time tu lah. Better buat refinance time tu. Tp tuk tempoh bbrapa tahun..3-4 thn ke tak leh settle kalau refinance..masa tu lah. Tp kira2 mmg berbaloi time tu. |
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nefnefnef replied at 7-6-2020 07:05 PM
Sis koko2, iols respond pasal tanah tu ya sbb iols ada dilemma yg sama. Mak iols 2 tahun lepas tra ...
tq sis...advise mu sgt berguna.. |
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Peterpan17 replied at 5-6-2020 06:37 PM
New Zealand kita org betul2 buat road trip pada autumn 2013, spring 2014 dan winter 2018. 3 kali p ...
Bestnya baca...Rasa mcm nak ikut sekali buat mcm ni...byk ke duit yg nak kena pakai ni.. |
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koko2 replied at 5-6-2020 01:02 PM
kalo aku mati awal...anak2 ex le WAJIB jaga..
sibling aku semua age over 55++..dah ada koloni s ...
Bagus sis nih..look and plan ahead |
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Peterpan17 replied at 4-6-2020 04:07 PM
yg low risk setakat ni aku buat last early April dpt RM20k return. Yg high risk tu dpt lg byk retu ...
Yg low risk tu apa ye..boleh share? |
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airisa replied at 7-6-2020 09:29 PM
Masa u bayar utk reduce pricipal tu, jgn pi kat kaunter biasa, pi jumpa pegawai kat tepi tu bagi t ...
ok tengs sis
iols nak buat hr selasa esok nih
pastu trus jah submit gi bank 
thanks again sbb spoon fed iols  |
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Tak byk juga sebenarnya. Kena pandai pandailah cari tempat penginapan yg murah,tiket promo & dll. Mkn kami masak di hostel so dah jimat situ. Masak sarapan & tapau sandwich buat bekal. Tp ada gak kadang mkn di luar klu dah malas nak masak. Sewa kereta kadang ada promo dpt kereta bagus tp harga pun tak mahal sgt. Kami lbh suka sewa Toyota sebab keta jenis ni lasak dan jimat minyak.
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ini saham utk customer Premium akaun HSBC. Aku tak pasti klu saham ni derang offer kat non premium customer. tp ko boleh chk dgn HSBC apa saham saham yg mereka offer utk non premium customer
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nefnefnef replied at 7-6-2020 07:05 PM
Sis koko2, iols respond pasal tanah tu ya sbb iols ada dilemma yg sama. Mak iols 2 tahun lepas tra ...
Betul, setuju sgt bab maintain n usahakan tanah tu kena pikir. Kalau ada tanah, tapi takde org nk buat keje, nanti naik hutan belukar sekejap je.. kena keluar cost pula utk nak bersihkan |
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cmf_premierleag replied at 8-6-2020 12:51 PM
ok tengs sis
iols nak buat hr selasa esok nih
pastu trus jah submit gi bank
No worries .. selamat2 ... ;p |
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airisa replied at 8-6-2020 01:32 PM
Betul, setuju sgt bab maintain n usahakan tanah tu kena pikir. Kalau ada tanah, tapi takde org nk ...
Biasanya upah orang bersihkan lalang2 dalam RM100 jugakla. Itu baru lalang sikit2. Kalau yang dah jadi pokok kayu belukar kos backhoe dalam RM300-RM400 sehari. Tu antara kos maintainance huhu |
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airisa replied at 7-6-2020 03:34 PM
Betul.. kalau bayar mcm biasa tak bagi surat ke bank, payment tu akan masuk dlm advance payment bu ...
Biasa kalo i nak bayar lumpsum utk reduce principal i mmg call je pegawai tu.. then transfer... the folllowing week ke apa bleh call balik to confirm..
Tp setiap loan rumah berlainan... sblm sign agreement loan i mmg dah mintak awal2 nak jenis flexible for early settlement |
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cmf_premierleag replied at 7-6-2020 06:59 PM
oh ok..so kene cakap kita nak buat partial payment ye
ok.thanks
U gi je bank yg u buat loan rumah tu.. dptkan nama pegawai yg uruskan bahagian loan... amek no phone so senang nak whatsapp msg call..
So bila nak bayar, call dulu tanya baki and inform nak reduce principal nak bayar lumpsum sekian2, bila nak transfer.. elpas u transfer duit few days, bleh call balik berapa baki.... camtu je lah buat, senang je sbnrnya sis |
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ini la yg pak dan mak mentua aku bangga2kan..
setiap kali bercerita kat sape2 mesti cerita pasal cucu2 dia yg ramai sgt org tu..
adik beradik ipar aku semua anak lam 5 org 6 org..
pastu yg kene tolong bg duet..laki aku gak..
ermmm...sodehhhhh
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psl tu aku mmg jenis mulut takde insuran. Klu ada yg ungkit psl anak aku balas balik psl pinjam duit. Anak tu rezeki kan, patut korang lg byk duit. Buat apa nak pinjam pinjam duit org
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Post time 7-6-2020 07:16 PM
