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  #1  
Old 15-07-2007, 11:22 AM
tokmat™ tokmat™ is offline
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Default Apakah Bank Terbaik Untuk Membuat Pinjaman Perumahan?

Assalamualaikum dan salam hari minggu....

Sehingga ke hari ini, saya cuba melihat & meneliti thread yang ada dalam folder ini, tetapi tiada thread khusus membicarakan tentang pinjaman perumahan yang boleh disyorkan...

Saya yakin, di CG ramai yang tercari2 bank yang memberi pinjaman perumahan yang terbaik begitu juga dengan perkhidmatan selepas pinjaman....

Di negara kita juga banyak bank yang menawarkan pinjaman perumahan, tetapi belum tentu bank tersebut adalah pilihan terbaik kita...
Justeru, melalui thread ini, diharapkan kita dapat membicarakan secara ilmiah untuk membuat pilihan bank yang terbaik...

Saya cuba senaraikan nama bank yang mungkin menyediakan perkhidmatan pinjaman perumahan:
  1. Maybank
  2. Bank Rakyat
  3. EON Bank
  4. Hong Leong Bank
  5. Public Bank
  6. Ambank
  7. Bank Islam
  8. CIMB
  9. BSN

Jika ada kekurangan di sini, tolong tambahkan ye....
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Old 15-07-2007, 11:39 AM
matgori matgori is offline
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aku tak tahu korang, tapi aku guna maybank beli umah 180k, payment 1k++ sebulan selama 30 tahun....rasa macam membawa bebanan batu bata 100 tan
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Old 15-07-2007, 11:40 AM
tokmat™ tokmat™ is offline
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MG, dari sudut interest macam mana?
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Old 15-07-2007, 11:42 AM
matgori matgori is offline
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Quote:
Originally Posted by tokmat View Post
MG, dari sudut interest macam mana?
ni interest yang berubah2 mengikut masa tu, apa dah namanya aku pun lupa....tapi biasanya 7 - 7.2% huhuhu....

skrang baru dok bayar bunga je, tak berganjak pun bagi loan tu lagi....
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Old 15-07-2007, 11:44 AM
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sakit jiwa tu.....
mesti rumah 2 tingkat & berada di tengah2 bandaraya....
harga asal rumah berapa RM?
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Old 15-07-2007, 11:49 AM
matgori matgori is offline
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sakit jiwa tu.....
mesti rumah 2 tingkat & berada di tengah2 bandaraya....
harga asal rumah berapa RM?
umah semi d setingkat , 40 x 80, kat melaka je, area alor gajah...rege asalnye RM179,800.00....
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Old 15-07-2007, 11:55 AM
kasturi kasturi is online now
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aku rasa bank muamalat yg agak unik
dan paling rendah faedah (perkonsian untung)
kalu nak bandingkan islamic housing loan produk

kalu islamic kadar perkongsian untung mesti
kena dah ditetapkan kadarnya sebelum akad.
Dan biasanya kadar tu lebih tinggi dr
current interest rate.

tapi BM ni kadar faedah dia ikut current interest rate
dan ada maksima limit yg telah ditetapkan
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Old 15-07-2007, 11:58 AM
matgori matgori is offline
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Quote:
Originally Posted by kasturi View Post
aku rasa bank muamalat yg agak unik
dan paling rendah faedah (perkonsian untung)
kalu nak bandingkan islamic housing loan produk

kalu islamic kadar perkongsian untung mesti
kena dah ditetapkan kadarnya sebelum akad.
Dan biasanya kadar tu lebih tinggi dr
current interest rate.

tapi BM ni kadar faedah dia ikut current interest rate
dan ada maksima limit yg telah ditetapkan
nampak cam bagus ni, ada tak cara kita nak tukar bank(refinance) cara senang...
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Old 15-07-2007, 12:31 PM
kasturi kasturi is online now
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Originally Posted by matgori View Post
nampak cam bagus ni, ada tak cara kita nak tukar bank(refinance) cara senang...
entahlah…boleh kot..
baik kau tanya lawyer..
kalu bab2 putar alam memang xpert diaorg ni...

aku tahu ni pun tahun lepas lagi..
kebetulan pergi kat bank nak buat business loan.
Kau boleh refer kat website dia www.muamalat.com.my

Bagus jugak buat floating rate mcm ni
Xda la tinggi sgt mcm kebanyakan islamic bank lain.

Last edited by kasturi; 15-07-2007 at 12:34 PM..
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Old 15-07-2007, 12:38 PM
matgori matgori is offline
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Quote:
Originally Posted by kasturi View Post
entahlah…boleh kot..
baik kau tanya lawyer..
kalu bab2 putar alam memang xpert diaorg ni...

aku tahu ni pun tahun lepas lagi..
kebetulan pergi kat bank nak buat business loan.
Kau boleh refer kat website dia www.muamalat.com.my

Bagus jugak buat floating rate mcm ni
Xda la tinggi sgt mcm kebanyakan islamic bank lain.
memang pun, bagi lagi banyak pening kapla ada la...
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