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View Poll Results: Bank manakah PALING BAIK jika mahu terminate dalam ms 5 thn? (based on RM50k)
Loan ASB Maybank? 8 26.67%
Loan ASB CIMB? 4 13.33%
Loan ASB Easy RHB? 18 60.00%
Voters: 30. You may not vote on this poll

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  #1  
Old 02-10-2010, 04:03 AM
xbgsx7 xbgsx7 is offline
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Thumbs up SHARE pelbagai TIP n CARA TERBAEEKK pelaburan ASB di sini

A'kum to all..

Xcually aku berminat dgn pelaburan ASB ni n tgh mengkaji cara n tips terbaik sebelum melabur..

Harap mereka2 yg expert n berpengalaman berkongsi idea n tips mereka.

1. Loan ASB bank manakah yg TERBAEEKK tuk kita apply?
2. Bagaimana cara TERBAEEKK tuk memaksimumkn keuntungan pelaburan?
3. Bila masa yg sesuai tuk terminate loan? Ada caj ke?
4. Contoh pengiraan pelaburan loan ASB bagi mereka yg brpendapatan :-
a) Rendah
(Student/Pekerja Kilang dll)( Gaji kurang RM1000 )
b) Sederhana ( Goverment staff gaji kurang RM2000/mnth )
c) Tinggi ( RM3000 ke atas )
5. Pengalaman korang tersilap kira, tertipu dgn hidden caj bank or lain2.

6. Apa2 tips lain yg korang anggap SANGAT PENTING bagi mereka yg baru nak melabur.

Semoga byk ilmu dan manafaat yg dpat kita semua belajar dari pengalaman oldtimer2 kat sini...
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  #2  
Old 07-10-2010, 04:51 PM
helmihussain helmihussain is offline
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long term maybank..
short term..Easy RHB...

CIMB...? tah..tapi cam kurang memuaskan jer service dia..apply bulan feb approved masuk sistem asb bulan 8 tahun sama..jadi apa lagi...cancel..terus
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  #3  
Old 09-10-2010, 03:05 PM
2bz4money 2bz4money is offline
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Bagi yg dah amik loan ASB, rajin2lah appeal utk dpt revise existing rate kiranya terdpt promotion rate yg lebih baik..
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  #4  
Old 09-10-2010, 11:24 PM
skyzers skyzers is offline
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nak tau gak nie..
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Old 09-10-2010, 11:41 PM
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aku ada amik loan asb pakai cimb.......

kalo based on 50K, aku kena baya la 350++/mth (ikut rate yg dulu la)

tip yg org kasi tue, kalo nak amik nilai (apa2 nilai sekalipun),

dan korang keje kompeni (bila2 masa boleh kena kick out ataupun VSS)

amik 2 akaun.

contoh. aku amik 100K 25 years loan.

so, aku pecahkan 100K tue kepada 50K + 50K (dia akan open 2 acc).

kebaikan amik 2 acc utk nilai yg besar, just in case korang kena

buang keja, VSS dsb, at least korang boleh terminate 1 acc (kalo

masih mampu bayar, tak perlu la terminate) dan masih ada 1 lagi acc.

jadi kita hidupkan 1 acc tue dan duit acc pertama kita terminate

akan dikasi ngan kita balik minus administrative cost etc.

boleh amik loan lump sum 100K ANDAI nya korang rasa korang

mampu bayar (yg keje government mungkin takde masalah lah).

tapi kena ingat, 1 acc 100K korang terminate, 1 acc tue akan hangus.

tak dapat nak save2 lagi. at least ngan 2 acc 100K (50K + 50K),

korang boleh terminate 1 acc dgn rasa kekesalan yg agak kurang sket.

well, at least kita masih ada 50K asb. ok la tue.

itu la yg officer bank tue kasi tau aku dulu......lama dah.....

tak ingat brapa lama dah........

ps/ yg paling penting korang perlu commited utk byar installment tue.

korang boleh suruh bank auto paykan loan asb korang tue ikut bila2

contoh awal bulan, tgh bulan ataupun hujung bulan. derang bank akan

mintak korang buat declaration letter signed oleh korang authorising

bank potong ikut haribulan yg sesuai. rajin2 la tanya officer yg

melayan korang time korang nak amik loan tue.

harap dapat membantu.
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  #6  
Old 10-10-2010, 10:42 AM
eday84 eday84 is online now
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kalau maybank mmg ada autmatik standing instruction bro pada 1 hb..
siap surat smpi dan kat system takleh delete standing instruction ni..

kalau nak miss withdraw semua tinggalkan kurg dari SI tu
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  #7  
Old 10-10-2010, 11:29 AM
kalau kalau is offline
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lagi satu, buat 2-3 tahun pertama bayar installment......

tolong.....tolong JGN USIK DIVIDEN yg di kasi.......

selagi dapat bayar tetiap bulan dia nyer installment, BAYAR....

JGN MISS......

apasal aku pakai capital letter? kerana kalo dlm tahun ke 3 dan seterus nyer

korang dah tak larat nak bayar installment tue, korang boleh gunakan

dividen yg ada utk BAYAR the rest of installment period.......

lagi lama korang tak kacau, lagi bagus....

harap dapat memberi ilham bagi yg nak amik loan asb di mana2 bank.
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  #8  
Old 10-10-2010, 03:17 PM
2bz4money 2bz4money is offline
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Cool Simpanan Kontingensi 6 bulan gaji

Quote:
Originally Posted by kalau View Post
aku ada amik loan asb pakai cimb.......

kalo based on 50K, aku kena baya la 350++/mth (ikut rate yg dulu la)

tip yg org kasi tue, kalo nak amik nilai (apa2 nilai sekalipun),

dan korang keje kompeni (bila2 masa boleh kena kick out ataupun VSS)

amik 2 akaun.

contoh. aku amik 100K 25 years loan.

so, aku pecahkan 100K tue kepada 50K + 50K (dia akan open 2 acc).

kebaikan amik 2 acc utk nilai yg besar, just in case korang kena

buang keja, VSS dsb, at least korang boleh terminate 1 acc (kalo

masih mampu bayar, tak perlu la terminate) dan masih ada 1 lagi acc.

jadi kita hidupkan 1 acc tue dan duit acc pertama kita terminate

akan dikasi ngan kita balik minus administrative cost etc.

boleh amik loan lump sum 100K ANDAI nya korang rasa korang

mampu bayar (yg keje government mungkin takde masalah lah).

tapi kena ingat, 1 acc 100K korang terminate, 1 acc tue akan hangus.

tak dapat nak save2 lagi. at least ngan 2 acc 100K (50K + 50K),

korang boleh terminate 1 acc dgn rasa kekesalan yg agak kurang sket.

well, at least kita masih ada 50K asb. ok la tue.

itu la yg officer bank tue kasi tau aku dulu......lama dah.....

tak ingat brapa lama dah........

ps/ yg paling penting korang perlu commited utk byar installment tue.

korang boleh suruh bank auto paykan loan asb korang tue ikut bila2

contoh awal bulan, tgh bulan ataupun hujung bulan. derang bank akan

mintak korang buat declaration letter signed oleh korang authorising

bank potong ikut haribulan yg sesuai. rajin2 la tanya officer yg

melayan korang time korang nak amik loan tue.

harap dapat membantu.
X perlu buat sampai 2 loan serentak krn incurred additional cost spt takaful dan stamp duty. Asas pengurusan kewangan, kena ada simpanan yg cair bersamaan 6 bulan gaji. Simpanan cair tu boleh parking kat ASB, LTH dll. Kiranya kena buang keje, at lease dpt bertahan selama 6 bulan sblm dpt keje baru.

p/s: Gomen pun simpan 6 bulan rezab..
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  #9  
Old 10-10-2010, 06:55 PM
kalau kalau is offline
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Quote:
Originally Posted by 2bz4money View Post
X perlu buat sampai 2 loan serentak krn incurred additional cost spt takaful dan stamp duty. Asas pengurusan kewangan, kena ada simpanan yg cair bersamaan 6 bulan gaji. Simpanan cair tu boleh parking kat ASB, LTH dll. Kiranya kena buang keje, at lease dpt bertahan selama 6 bulan sblm dpt keje baru.

p/s: Gomen pun simpan 6 bulan rezab..
tapi kena ingat, time darurat tak mampu nak bayar, mana lagi

sedap di dengar.......terminate 1 acc 100K hangus samua atau

terminate 1 acc 50K dan masih ada sisa 1 acc 50K?

additional cost tue kena tutup mata sebelah dulu lah, pasal

bagi aku yg keja kompeni ni, semua brg boleh jadi.........

termasuk unexpected 24 hrs kick out.
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  #10  
Old 10-10-2010, 07:07 PM
gnomefan gnomefan is offline
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menarik thread ni.. aku baru je tau pasal asb loan ni n sedang pikir2 nk wat.. otai2 semua harap leh kongsi tips n cara2 nk buat duit simpanan sket kt sini eh.. tq !
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