NAK SETTLE HUTANG >>> NAK REFINANCE RUMAH LAK

PrintChez

anuar_ismail posted on 23-1-2014 09:24 PM
I buat along. Mahu pinjam blh...

kalau tak pegang ATM card, fix interest 4% dan bole pinjam max 3-5 tahun, sile PM

PrintChez

chaintea posted on 23-1-2014 08:01 PM
boleh tahu..how much yg dipinjam
berapa gaji

aku anak sulung dari 2 beradik.. adik aku sekolah lagi...

boleh tahu..how much yg dipinjam
berapa gaji
>>>> segan nak bgtau

cc.. >>> total outstanding untuk 2 CC RM7k
personal loan >>> ade lagi 3.8k
utang rumah.. >>> tak tau balance lagi berapa.. 130k kot?

PrintChez

clarizsa posted on 24-1-2014 02:44 AM
klu jupe AKPK leh x... kot2 dorg leh tlg u... i pn xtau... sorry...

bole jumpe AKPK tapi aku agak2 AKPK ni cume boleh tolong bab CC ngan PL je kot?
kalau loan rumah tak leh kot? agaknye la...sbb tak pernah baca komen orang yg AKPK tolong reschedule loan rumah...

memang dalam pertimbangan nak gi AKPK... tapi kalo diorang tak boleh sentuh loan rumah, aku rase takde la membantu sgt

baby_pingu

umah tuh siapa dok sekarang?

alieyrina

Cc tu pkai lagi x, klu x kerap guna  tu kensel la jgn pkai dah..

PrintChez

baby_pingu posted on 24-1-2014 09:15 AM
umah tuh siapa dok sekarang?

parents duduk. kalo let go / sewakan, parents takde tempat lain nak duduk

PrintChez

alieyrina posted on 24-1-2014 09:42 AM
Cc tu pkai lagi x, klu x kerap guna  tu kensel la jgn pkai dah..

dah tak boleh pakai pun... dah ada tunggakan, mana leh pakai...
satu kad aku dah convert to term loan... satu lagi kad dok memekak marah2 pasal tak bayo2 lagi outstanding...
tensi tol aku

anuar_ismail

Matakilat posted on 23-1-2014 11:40 PM
4% je interest? Aik rendahnye interest ah long.  Boleh untung ke bro?

Boleh. Mau bincang tgk dl. Kasi kow punya

anuar_ismail

MeeSai posted on 24-1-2014 08:35 AM
sedangkan bank pun bole sukati depa naik kan interest..
inikan pula along

X de suka2. Bincang baik2. U senang I senang

anuar_ismail

PrintChez posted on 24-1-2014 08:48 AM
kalau tak pegang ATM card, fix interest 4% dan bole pinjam max 3-5 tahun, sile PM

Btl mau ke. Blh jumpa. Bile u free

PrintChez

anuar_ismail posted on 24-1-2014 10:40 AM
Btl mau ke. Blh jumpa. Bile u free

JB area... bole dtg kalo nak

anuar_ismail

PrintChez posted on 24-1-2014 10:47 AM
JB area... bole dtg kalo nak

Nk pinjam berapa. U bg alamat nnti I dtg

tina^^

saba sabar dan bwk bertenang....

boleh jumpa AKPK kalau dah kusut tadek jalan kuar. tp sebenarnyer ada jalan lagik.

ur cc and ur PL mmg kena bayar. cc tue syarat dier mesti bayar before due date kalau nak record cantik. wlaupon u cuma bayar min amount. can afford min payment tak??? if u can afford, then cc dah kawtim.

and housing loan mmg ada clause yg kalau u bayar lambat drg akan naikkan to certain %......kira okla tue 7%....ada certain financial institution naik sampai early teens (10-12%) gilerrr betol......tapi apakan daya, kalau x setuju dulu, x dapat loan kan.

sebenarnyer ur PL pon dah sket ajek....3.8k kan...bear with it.....CC pon manageable i think, whilst u nak catch up cun payment for your hse, u menten rekod payment cun dgn at least bayar min pay on time for your cc and PL.

on housing loan....can u withdraw your account 2 in ur EPF to supplement the payment?? have u done it before? if not, then its timely for you to withdraw your acc 2 dlm EPF. ce ler check...berapa byk you ada dalam account 2.....hopefully dpt bayar arrears and insist to have the old 4% interest tue. merepek tau nak bear higher interest lama lama......mmg boleh pokai kalau x manage properly....

tina^^

PrintChez posted on 24-1-2014 10:22 AM
dah tak boleh pakai pun... dah ada tunggakan, mana leh pakai...
satu kad aku dah convert to term  ...

another way on ur cc nie...u can call the said bank cakap u nak terminate the card and restructure the payment.

cakap ajek betol2 that u r in a deep shit, hence u need their kind consideration utk restructure the payment.

usually, bank akan tolong...derang akan bg u timeframe to settle the debt...say...u must clear off your debt in 6 months time. (at least, interest dah tak jalan). kat situ u nego la ur loan tenure. mesti pandai nego ok? jgn senyap2 tak bayar and burukkan credit record sendirik....

skang mmg CCRISS record tue kena jagala elok elok utk keamana sejagat dimasa hadapan...

divakah

Hurm..aku rse try gi akpk dlu.. Kalau diorg x dpt tlg pun maybe diorg ade cdgan yg lgi bernas ke..worth a try

chaintea

ok..now my cara
kuarkan akaun 2 EPF..buat advance payment utk rumah for 2-3 years (kalo cukup la)
kalo x cukup..kuarkn la seberapa byk yg boleh utk diguna byr instalment rumah itu..

so u will have lebihan duit from duit gaji..
guna duit tu utk byr loan cc..and personal loan..sbb ini interestnya mak aii tinggi
duit yg awk mmg dh bajet utk byr cc..and PL pon guna gak utk byr benda yg sama
and setelkn utang2 anda

ada lebih lagi? pi simpan sikit kt tabung haji
mesti simpan duit walopon sikit..emergency fund

ladyfree

aku pun xtau nk bantu apa. atleast dlm forum ni ko boleh luah masalah. so kurang sikit beban kat kepala ye tak?

aku pun masalah ccriz mcm ko jugak. lagi 5 bulan nak clear. tgh dlm tempoh iddah yg 6bulan tu

Mylady123

Buat EPP -- Settle hutang CC
Betul2 ikat perut utk settle outstanding duit rumah tu..
No choice..

Buat loan dngan RHB utk cover semua hutang,(sebab RHB mcm tak strict dengan CTOS/CRIS) dengan syarta hutang CC dah tak der.
*Keluarkan duit EPF utk bayar monthly duit rumah tu.

tina^^

Mylady123 posted on 24-1-2014 04:16 PM
Buat EPP -- Settle hutang CC
Betul2 ikat perut utk settle outstanding duit rumah tu..
No choice..
...

Personally, i would not suggest RHB Ez Loan tue...to my astonishment, derang nyer int rate 18% or so...giler mahall nak mamps...BUT, sesuaila dgn service rendered - instant approval (10minutes) and cash remittance into your account almost immediately or the same day. very thumbs up for its efficient service.but......naya lah nak hadap interest dier in many more months to come.....

lepas tue, settlement boleh buat only after 6 months, else kena bayar denda. not worthy.

unless terdesak giler giler, then terpaksaleeee....at least, tadek kena campak dgn darah ayam kampung dekat pintu rumah ker apa kalau lambat baya.....(ngeri seh!)

katak hijau

Rhb easy tu lebih kurang je mcm along