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Originally posted by LimpBizkutMerri at 18-4-2007 03:04 PM
nak tanye niii... camne org org kaya yg beli umah arge 4-5 juta aar??? bank bagi kee loan berjuta juta utk beli umah yg arge camtuuu... takpunn takkan diorang beli cash kott.. kang kene soaln ban ...
bukan ker ko tanya? |
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kan bank bg loan ikut jumlah gaji.. adalah percentage % yg diorg bagi...
makin byk gaji.. mkin byk lah loan yg depa dpt... |
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Originally posted by LimpBizkutMerri at 18-4-2007 03:04 PM
nak tanye niii... camne org org kaya yg beli umah arge 4-5 juta aar??? bank bagi kee loan berjuta juta utk beli umah yg arge camtuuu... takpunn takkan diorang beli cash kott.. kang kene soaln ban ...
Ini jawapan versi aku. nak percaya atau tidak..terpulang. at least ko ada roughly idea.
org kaya..selalunyer ada 2 jenis.
1. Businessman betul2.
2. Org makan gaji tapi, pada masa yg sama buat side income thru real estate properties & saham2. (meaningnye..punca total pendapatan monthly is RM20K. (yg bersih)
Org2 kaya2 selalu nyer akan hang out dgn segolongan derang jugak utk networking, bincang pasal duit & beli properties antara satu sama lain. Derang jugak baik dgn CEO CEO bank.
Dan, org yg buat real estate properties nie..selalunye dah ada loyal lawyer yg handle selalu handle documentation dan officer bank yg dikenali lama.
Org kaya selalunyer derang dah kroni sesama derang. Contoh, si A beli umah banglo dari si B. harga sebenar dirahsiakan. si B akan yg akan decide brp loan yg dia nak ambik. bank akan approve dgn senang (sbb atas dasar networking lah) Harga yg dideclare kt income tax lain.
itu kalau beli umah sesama kawan.
kalau beli umah secara developer.. pun cara biasa gak mcm org normal. tapi, guna officer bank (utk senang approve) & lawyer yg dikenali (dpt murah harga agreement) . Yg fix ialah harga umah ajer.
nak percaya atau tidak terpulang.
itu kes org2 kaya.
ada gak..kes yg aku tau..dua2 suami isteri nie keje gomen ajek. tapi, boleh memiliki 2-3 umah.
tapi..tak salah aku..derang buat tu..
sblum kawen..suami dah beli umah thru loan bank.
lps kawen.. isteri pulak guna loan kerajaan utk beli umah dia.
then.. 5thn lebih..suami pulak guna loan kerajaan dia utk beli another umah.
hasil sewaan 3 buah umah tu..derang beli another umah ..
(cuma..aku tak tahu la..umah tu flat ke..apartment ke..kondo ke..umah landed ke..)
umah yg derang duduk tu..duk umah kuarters kerajaan SUK Selangor...mmg duduk secara sederhana pun.. |
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Originally posted by yatt1979 at 17-4-2007 11:18 AM
Mayyo,
Kenapa tak ambil lawyer sendiri? Kan ke lagi murah skit kalau nak comapare dgn lawyer MBSB, Yatt baru je nak gi MBSB esok tu pun kalau takda ape2. Mayyo buat loan MBSB mana ek?
kita saja nak up date topic nih..dahterkebelakang... nyway to Yatt.. nak inform lah...
i dah xjadi amik dgn MBSB.. nak cancel my loan ..coz.. i dapat offer dari bank lain.. cr Ambank.. alhamdullillah terlepas lah dr mbsb yg cekik darah tuh.. nasib baik tak sign agreement dgn MBSB lg....
for ambank.. i tak payah bayar lawyer..ke hape benda.. hehhehe.. free jer.. free moving cost.. |
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Originally posted by mayyonnizz at 25-4-2007 08:08 AM
kita saja nak up date topic nih..dahterkebelakang... nyway to Yatt.. nak inform lah...
i dah xjadi amik dgn MBSB.. nak cancel my loan ..coz.. i dapat offer dari bank lain.. cr Ambank.. a ...
Mayyo u amik yang blr ker i ada gak tgk pakej dia yang 5.9% ti ker |
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Originally posted by akuchantek at 18-4-2007 12:32 PM
kiter baru dapat surat dari LAWYER developer, suh datang n bayar MOT.
ada sapa2 kat sini tau pasal MOT. citer la sikit.
Ha ah aku punpng gak pasal mot nih aku pun kena bayr gak |
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Nak tanyer lagi loan bank maner yang ok yer...i pun tgh dlm proses nak beli umah...
Then kalu loan ngan ING ok ker |
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Reply #285 mama_damia's post
I PUN TAK IGT PAKEJ YG MANA.. COZ MY HUBBY YG URUS SEMUANYA..KIKIIKIKIKIK
TP YG PASTI THERE IS NO CHARGE FOR LAWYER FEES: |
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Reply #288 mayyonnizz's post
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me amik ngan citibank zero cost pakej... x kene bayo fee laywer |
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Reply #289 picme's post
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ERM.. samalah tuh.. zero moving cost.. yahoooo!!!! |
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Originally posted by mayyonnizz at 27-4-2007 02:15 PM
I PUN TAK IGT PAKEJ YG MANA.. COZ MY HUBBY YG URUS SEMUANYA..KIKIIKIKIKIK
TP YG PASTI THERE IS NO CHARGE FOR LAWYER FEES:
Mayo u bl umah kat area maner yer..panel bank ngan developer tu ker |
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Reply #290 mayyonnizz's post
itu la...
tp x sure lg pasal lawyer SnP... rasa mcm kene bayo gak...... |
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Reply #248 damiqula's post
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wow... kayanya dami ni... ni mesti 'baito' gila2 kat nihon ni |
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saya pun ada masalah dgn housing skang. tgh cari bank nak refinance. l
Loan bal bulan2 bertambah sbb saya bayar pada kadar rate 6.28% tapi actual rate skang 7.03%. sbb saya punya loan tu BLR+0.28. Masa saya apply dulu BLR 6.0%.
paling saya tak puas hati bulan 4 hari tu outstanding amount saya bertambah 2k compare dgn bulan 3. pB ni cekik darah ke ek... ? |
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ermm rynn apply ngan rhb dia punya pakej BLR-0.8%
ermmm ada gak ek kes yg BLR +0.28%
itu mcm ker sebab survey semua -% |
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CIMB BLR-1.15%
no legal fee. |
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Reply #295 errynn's post
loan saya tu saya apply 2003. 1st year 1.95% jer. onwards yg BLR+0.28.
skang ni memang banyak bank yg offer -ve BLR. tu yg tengah mensurvei gak skang ni... hari tu dah apply kat HSBC -1.2%. tgh tunggu approval... |
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Reply #296 putumayam's post
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hmm... boleh try gak ni... kot2 tak dapat hsbc tu.. |
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tumpang tanya... camne procedure nak wat refinance home loan?, rugi ke untung buat refinance kalau baru je setahun wat repayment? |
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bengang........develop. charge interest RM500++ sebab bank lambat release loan :@  |
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Post time 19-4-2007 09:56 AM
Author
