Forum › Masalah Peribadi › Nk buat full settlement loan. Better settle Easy Pinjaman Express (RHB) dulu @ s

RizqTihany Publish time 27-5-2017 09:20 AM

Nk buat full settlement loan. Better settle Easy Pinjaman Express (RHB) dulu @ s

Edited by RizqTihany at 27-5-2017 09:22 AM

Assalam semua. Tiha nk tnye pendapat sikit boley? Actually,Tiha berniat nk buat full settlement loan next year. Rasa bhutang bnyk2 ni sgtx best. Tp, mslhnya Tiha xtau nk settle yg mana dulu.
Tiha ada 2 loan :1)      1) Easy Pinjaman Express RHB. Start bayar :Februari/ Mac 2016. Baki : RM12K. Tempoh loan : 5 years. Sbb buat loan : Emergency (xmau reveal). Monthly instalment : RM300**2)      2) Hire Purchase Loan (MBB). Start bayar : Oktober/ November 2014. Baki : RM14K. Tempoh loan : 5 years also. Sbb buat loan : Beli kereta. Monthly installment :RM500**
**Bkn exact info, tp lebih kurang je. 80% -85% darjah/skala accuracy.
Tiha dh buat calculation. Personally, Tiha prefer settle Easy Pinjaman Express dulu. Insyaallah, by the end of this year, dh boleh settle salah satu loan . Ke cmne? Boley la share idea & pendapat bernas before Tiha buat decision.
Tq Tq

hearthati714 Publish time 27-5-2017 10:02 AM

sis,better settle easy RHB.sebab interest dia agak tinggal.so bila nak buat settlement akan rebet.jadi baki akn lebih kurang lagi.

rayna_raynes Publish time 27-5-2017 10:10 AM

Easy RhB sebab interest rate dia lg tinggi

LeckaLempicka Publish time 27-5-2017 10:54 AM

Sis...better settlekan easy rhb tu.

zztop63 Publish time 27-5-2017 04:35 PM

elok tu..settlekan loan kalu boleh..jangan bergelumang dengan riba..

Mbak_oya Publish time 27-5-2017 09:39 PM

Ya betul tu settlekan rhb dulu.
Tapi jgn lupa pegi bank dan tutup loan.
Nanti kalau tdk dia kira advance payment.

skinsandstars Publish time 27-5-2017 11:57 PM

Setelkan rhb tu.

RizqTihany Publish time 28-5-2017 08:33 AM

Mbak_oya replied at 27-5-2017 09:39 PM
Ya betul tu settlekan rhb dulu.
Tapi jgn lupa pegi bank dan tutup loan.
Nanti kalau tdk dia kira a ...

Full settlement kire tutup loan la kan? Cmne boley jd advance pymnt pulak. Sorry @Mbak_oya, blurrrr sikit pagi2 ni. Ke terus tutup akaun dgn RHB Bank?

CardiGans85 Publish time 28-5-2017 09:23 AM

hearthati714 replied at 27-5-2017 10:02 AM
sis,better settle easy RHB.sebab interest dia agak tinggal.so bila nak buat settlement akan rebet.ja ...

Me pun br abis byr rhb loan ni..lega sgt.

hearthati714 Publish time 28-5-2017 11:05 AM

RizqTihany replied at 28-5-2017 08:33 AM
Full settlement kire tutup loan la kan? Cmne boley jd advance pymnt pulak. Sorry @Mbak_oya, blurrr ...

betul tu.u kena call bank dulu before buat settlement.just bagi anggaran tarikh bila nak buat settlement.tarikh panjang tak pe sebab if lebih bank akan refund.then bank akn bagi amount n sis baya.after that call n inform bank.then akaun akan ditutup.

if u tak call bank dats why jadi advance payment.

-exbanker- ;P

Elle_mujigae Publish time 28-5-2017 09:29 PM

Yg rebate bila buat full settlement tu kena ada black and white dari pihak bank kan mereka nak byr berapa? Sbb ada kes dah buat full settlement pihak bank bagi sikit je rebate..tak mcm masa mereka janji dulu..

wadiunong Publish time 29-5-2017 10:11 AM

akak dulu masa buat full settlement, akak call bank tanya berapa balance. then, pegi any branch bayar kat kaunter. lepas tu follow up dgn bank centre suruh bank email/postsettlement letter.

RizqTihany Publish time 29-5-2017 12:48 PM

hearthati714 replied at 28-5-2017 11:05 AM
betul tu.u kena call bank dulu before buat settlement.just bagi anggaran tarikh bila nak buat sett ...

Alhmdulillah, kalau buat calculation manual (based on bbrp sumber) & hajat nk settle loan RHB by the end of this year kesampaian, rase full settlement dlm 5k camtu. Tp belum buat confirmation lg dgn pihak bnk.

RizqTihany Publish time 29-5-2017 12:50 PM

Elle_mujigae replied at 28-5-2017 09:29 PM
Yg rebate bila buat full settlement tu kena ada black and white dari pihak bank kan mereka nak byr b ...

Harap2 xd masalah la. Takut plak :funk:

RizqTihany Publish time 29-5-2017 12:52 PM

wadiunong replied at 29-5-2017 10:11 AM
akak dulu masa buat full settlement, akak call bank tanya berapa balance. then, pegi any branch ba ...

ok insyaallah @wadiunong. Insyaallah, kalau xd aral & ade rezeki, by the end of this year settlekan dulu loan RHB tu.

bunga_lestari Publish time 29-5-2017 02:05 PM

better settle loan RHB tu sbb loan tu tinggi interestnya..

-electrifying- Publish time 30-5-2017 09:18 AM

sis nk bur full settlement tu dgn apa?
bonus? or simpanan? or hutang lg?

madstone72 Publish time 30-5-2017 09:30 AM

Edited by madstone72 at 30-5-2017 09:31 AM

Nak buat full settlement tu sebenarnya utk apa? Kalau setakat nk smbg enjoy atau buat loan lg, baik bayar je mcm biasa. Skrg ni kena displin, kalau ada duit lebih, bayar je double. Kalau biasa monthly RM300, try bayar RM600 atau RM900. Kalau ada bonus, simpan duit, jgn membazir. Wayang2 bagai, shopping2 tu kurangkan la. Makan2 dikedai pun, kurangkan. Cuba save. nanti bulan2 boleh bayar double or triple.

DAN yg penting, jangan buat full settlement dgn hutang tmpt lain atau JANGAN BUAT LOAN LAGI. X guna gak kalau gali lubang lain, tutup lubang lain. Loan tetap ada dan jangka masa makin lama nk habis.

RHB ni sebenarnya along berlesen. Kenapa la BNM boleh lepas loan RHB ceni. X de org nk repot ke?

MyNameIsIris Publish time 30-5-2017 01:10 PM

kalau nak buat full settlement, call bank dan mintak diskaun.. nanti dia akan deduct interest untuk 2-3 bulan. kalau cc biasa boleh dapat max 6 bulan waive interest. tapi call masa betul-betul dah ada cash lah... sebab rebet ni valid beberapa hari je...

lepas tu monitor account tu dan jangan lupa minta surat full settlement. kalau takde surat tu takut bank lupa nak close account, interest jalan.. u tak boleh fight.

RizqTihany Publish time 4-6-2017 08:23 PM

-electrifying- replied at 30-5-2017 09:18 AM
sis nk bur full settlement tu dgn apa?
bonus? or simpanan? or hutang lg?

Owh....bkn bonus, bukan hutang. Ade la saving sikit tp x smpi la 10k. Saving utk emergency dh siap2 asing.

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