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  #5411  
Old 27-02-2012, 12:03 PM
General Juhziz General Juhziz is offline
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Originally Posted by Omeg View Post
Susah betul loan asb nak lulus sekarang. baru-2 ni apply loan asb rhb 30k tapi tak lepas. Baru plan nak optimumkan OPM 230k. Minta nak bayar advance pun tak jalan. betul-2 dia org tengok base on payslip
side income tapi xd payslip membantu x???
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  #5412  
Old 27-02-2012, 02:09 PM
FaridZainol FaridZainol is offline
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Jika mampu dan pandai gunakan teknik 1 dan 2 se-elok mungkin,,maka proceed lah..dan pastikan selalu intact perancangan anda..
Terima kasih Tuan Ikeda....nk kena balik plan balik ni sebaik mungkin
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  #5413  
Old 27-02-2012, 08:27 PM
ikeda ikeda is offline
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Originally Posted by serai View Post
aku sign agrement 23hb2 stat bayar 1hb4..rugi sebulan bulan 3..mcm ne tuh
Anda tidak rugi jika sedemikian..
Dan jika sijil dibeli bulan ini(esok or lusa) anda akan entitle div bulan march..
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  #5414  
Old 27-02-2012, 08:35 PM
ikeda ikeda is offline
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Originally Posted by Omeg View Post
Susah betul loan asb nak lulus sekarang. baru-2 ni apply loan asb rhb 30k tapi tak lepas. Baru plan nak optimumkan OPM 230k. Minta nak bayar advance pun tak jalan. betul-2 dia org tengok base on payslip
Bukan sahaja LASB susah...Loan Rumah pun ketat jugak..
Sekarang menjadi hot topic surat khabar,,,Loan Kereta yang diketatkan menjadi kecoh semua pihak..
Begitu jugak lah dengan Credit Card,,application menjadi begitu ketat sekali..
Dan tak lupa produk yang menjadi PISANG GORENG iaitu PL pun tak terkecuali..

Sejauh mana BNM boleh bertahan dengan polisi mereka,,sama sama kita saksikan..
BNM menyalahkan bank tempatan kerana salah faham,,,bank tempatan pula menyatakan itu adalah garis panduan BNM...Kedua-dua pihak tidak pernah duduk semeja supaya kekeliruan terurai 1 persatu..

Semoga selamat semua..
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  #5415  
Old 28-02-2012, 02:17 AM
matsalleh matsalleh is offline
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Originally Posted by adiwira View Post
ok dah send inbox ke email bro semua. termasuk admas137. tq
bro adiwira kalu boleh e-mail ko kawe skali..mnasuhaili@yahoo.com.
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  #5416  
Old 28-02-2012, 04:50 AM
ThePazlie ThePazlie is offline
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memandangkan tiada siapa pon jawab my previous question, izinkanlah saya bertanya soalan lagi ya.. betoi ka sekarang nie susah nak buat loan ASB (islamic)?
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  #5417  
Old 28-02-2012, 08:19 AM
student student is online now
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memandangkan tiada siapa pon jawab my previous question, izinkanlah saya bertanya soalan lagi ya.. betoi ka sekarang nie susah nak buat loan ASB (islamic)?
dah keluar semula ke loanasb islamik?
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  #5418  
Old 28-02-2012, 11:23 AM
ikeda ikeda is offline
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Bro Ikede,
Tima kasih sudi continue. Saya masih ada kecelaruan & persoalan sikit.

How to make your cash work more than 7.5%...menarik ni...nanti2 bro free, boleh continue bab ni pulak?
Kecelaruan tuan akan hilang sekiranya Sandaran Sijil tersebut tiada dalam hidup anda...

Anda kena fahami effective rate from 5% flat rate..8.59% utk 10tahun...
Dan jika 20tahun effective ratenya adalah 7.89%..

Pendapatan ASB hanyalah -+7.5% sahaja,,,

Dan jika 47,000 cash tersebut anda park dalam ASB dan setiap bulan anda keluarkan 588 untuk serve PL sandaran sijil tersebut..anda akan stuck pada akhir tahun ke-9...

Contohnya...
Tahun pertama
Bulan Baki Pro-rate div
1 46412 290.075
2 45824 286.4
3 45236 ***.725
4 44648 279.05
5 44060 275.375
6 43472 271.7
7 42884 268.025
8 42296 264.35
9 41708 260.675
10 41120 257
11 40532 253.325
12 39944 249.65
Total div 3238.35
.
.
.
.
.
.
.
seterusnya sampai tahun ke-9
Tahun ke-9
Bulan Baki Pro-rate dividen
1 6531.411723 40.82132327
2 5943.411723 37.14632327
3 5355.411723 33.47132327
4 4767.411723 29.79632327
5 4179.411723 26.12132327
6 3591.411723 22.44632327
7 3003.411723 18.77132327
8 2415.411723 15.09632327
9 1827.411723 11.42132327
10 1239.411723 7.74632327
11 651.4117233 4.07132327
12 63.41172326 0.39632327
Total div 247.3058792

Pada awal tahun ke-10 selepas anda ada baki hanya 63.40+247.30 =310.70..sahaja ....sedangkan setiap bulan pada tahun ke-10 anda perlu menjelaskan HUTANG anda dengan BSN sebanyak 588 sebulan..

Dan jelas disini anda sudah masuk perangkap BANK BSN...
Iaitu tanpa berbuat apa-apa(50k dormant dalam ASB) anda tidak akan CELARU...
Dan dengan Sandaran Sijil ini anda akan CELARU samada sekarang or tahun ke-10 nanti...

Semoga anda tidak KECELARUAN...
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  #5419  
Old 28-02-2012, 02:41 PM
ikanpekasam ikanpekasam is offline
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Originally Posted by Omeg View Post
Susah betul loan asb nak lulus sekarang. baru-2 ni apply loan asb rhb 30k tapi tak lepas. Baru plan nak optimumkan OPM 230k. Minta nak bayar advance pun tak jalan. betul-2 dia org tengok base on payslip
tapi,wife aku tambah lagi 50k lepas pulak.dulu dah ada 30k
yg peliknya wife aku dah setahun tak kerja.
buat kat rhb
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  #5420  
Old 28-02-2012, 06:27 PM
snake_eye snake_eye is offline
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side income tapi xd payslip membantu x???
side income ape tu bro?bleh share?
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