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  #33791  
Old 09-07-2019, 09:05 AM
alphaOne alphaOne is offline
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Quote:
Originally Posted by lautjernih View Post
alphaOne rasa2 ada peluang tak nak buat loan lasb2 hujung tahun ni? Ke memang tak dapat tau?

Saya ada sedikit simpanan dekat lasb tapi tak nak pindah duit tu ke lasb2 (kalau pindah nanti baki akan jadi kosong pada bulan tu dan kita akan rugi kan?).

Katakan saya ada simpanan wang dalam 100-150K kat lasb, ok ke kalau saya buat lasb 100-150K untuk memenuh kan akaun lasb tu? Saya tak past strategi mana yang elok:

Option 1:
Pindah semua simpanan dari lasb1 ke lasb2 dan buat loan lasb1 i.e. 200K.
Tapi saya rasa nanti macam ada "ruang" di mana pindahan tu akan "menglubang" kan akaun sementara dan akan rugi kat situ

Option 2:
Mohon lasb separa supaya penuhkan lasb tu cth: loan 100-150K.

Option 3:
Tunggu lasb2 bukak ...
Lasb2 mmg takkan ditawarkan oleh pihak bank lagi disebabkan dana yang sudah penuh. Utk makluman, pelaburan melalui epf akaun 1 pon dah xboleh utk asb2.

Jika ada anak, better buka akaun asb utk mereka dan pindahkan cash yg ada dlm akaun bro ke anak2. Lakukan transaksi pada 1hb hari bekerja. Inn sha Allah xilang dividen.

Cadangan saya, maksimumkan asbf 200k sebab modal dah ada tu. Yang kosong dlm asb kita tu slow2 lah penuhkan balik.
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  #33792  
Old 09-07-2019, 09:12 AM
ResellerMaxis ResellerMaxis is offline
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Quote:
Originally Posted by lautjernih View Post
hurm. cuma takut terputus je compounding tu (ye la sebab keluar kan semua pada bulan 'x', terus jadi RM0 pada bulan tu).

tapi kebarangkalian tinggi buat option 1 ni.
Kalau mcm tu wat lah berapa boleh utk penuhkan 200k. January nanti baru buat balance tu..nanti bank suruh kosongkan baru pindah ke asb2..

Asb2 dividen dia setiap mac..
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  #33793  
Old 17-07-2019, 02:21 PM
kebabom kebabom is offline
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salam, nak tanya, mcm mane proses nk terminate asb loan dengan BSN...

sbb tanya pegi bsn branch selayang, dia cakap kena pegi HQ kt ampang...leceh nya mcm tu...time amek loan, mane2 branch pn boleh.. nk terminate leceh pulak...
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  #33794  
Old 18-07-2019, 07:40 PM
ARe-BeaR ARe-BeaR is offline
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Quote:
Originally Posted by kebabom View Post
salam, nak tanya, mcm mane proses nk terminate asb loan dengan BSN...

sbb tanya pegi bsn branch selayang, dia cakap kena pegi HQ kt ampang...leceh nya mcm tu...time amek loan, mane2 branch pn boleh.. nk terminate leceh pulak...
mmg leceh bro... saya dulu pernah buat... kena pergi BSN HQ Jalan Ampang tingkat berapa ntah dah lupa... isi form je pun then nnt diorg proses dan hantar ke cawangan mana yg tuan buat dulu... then tuan kena follow up dgn cawangan tu pulak....
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  #33795  
Old 18-07-2019, 11:23 PM
Abg Wan Abg Wan is offline
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Quote:
Originally Posted by ARe-BeaR View Post
mmg leceh bro... saya dulu pernah buat... kena pergi BSN HQ Jalan Ampang tingkat berapa ntah dah lupa... isi form je pun then nnt diorg proses dan hantar ke cawangan mana yg tuan buat dulu... then tuan kena follow up dgn cawangan tu pulak....
Mmg la bank akan susahkan utk terminate loan asb tu sebagai usaha terakhir utk elak hilang customer
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