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  #1  
Old 09-08-2012, 11:17 AM
highway highway is offline
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Default Floating Rate Atau Fixed Rated?

Aku pun x paham sangat...cuma nak tanya apa beza floating rate dengan fixed rate untuk personal loan.... Ada pegawai bank tu cakap floating rate sekarang 6% bersamaan fixed rate 3.24%? adakah installment akan berubah-ubah jika menggunakan floating rate?
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Old 09-08-2012, 11:26 AM
Abu nawas Abu nawas is offline
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Quote:
Originally Posted by highway View Post
Aku pun x paham sangat...cuma nak tanya apa beza floating rate dengan fixed rate untuk personal loan.... Ada pegawai bank tu cakap floating rate sekarang 6% bersamaan fixed rate 3.24%? adakah installment akan berubah-ubah jika menggunakan floating rate?
Flat rate mengunakan interest terhadap total loan anda dan total tenure anda...

Manakala Effective rate pula mengamalkan konsep interest terhadap balance hutang anda setiap bulan..

Kelebihan Floating rate adalah..Penjimatan interest..Full setlement yang sedikit..+ve cash flow setiap bulan kerana bayarannya rendah berbanding dengan flat rate..
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