[Enquiry] Refinance Keter

sump81 · Post time 13-3-2008 12:14 PM

maaf semua..rase mcm dh ader kan topik nie tp dh cr sampai tread kt belas2 tp tk jumper..nk tny psl refinansing kete nie..ader saper leh citer lbh lanjut tk..
1-aper syart2 nyer
2-aper dokumen2 nyer
3-aper2 jer lah yg berkaintan..
trime kasih..

*kalo dh ader leh tlg paste kn tread tu tk..

Nota kaki:
Errr... bukak ler tred baru.. tapi aku kasik edit subject ni kasik lebih mantap dan penuh impak maksimaaa...

Rgds,
takumi86

[ Last edited by takumi86 at 13-3-2008 12:37 PM ]

d34n · Post time 13-3-2008 12:22 PM

cam yg aku pernah citer dulu, tapi aku x ingat la aper docs yg perlu...
tapi member aku tu just call bank kat ne dia wat loan tu, pastu kata nak wat refinance & bank akan bagi tau apa kena buat & docs aper kena isi... snang je, bley wat sendirik punn...

ko nak refinance keta aper nih..?

sump81 · Post time 13-3-2008 12:27 PM

vios..
sbb kalo wat mcm tue kiter leh ejas byrn bulanan kn..ker slh..?

d34n · Post time 13-3-2008 12:33 PM

yep..
yg member aku wat dulu tu sebab dia nak pakai cash cepat..
monthly jadi lebih sket, tapi sket je la, dlm rm50 - 60 camtu..
new loan int jadi tggi sket & loan term tu jadi panjang semula la...

[ Last edited by d34n at 13-3-2008 12:34 PM ]

takumi86 · Post time 13-3-2008 12:33 PM

sila nyatakan tujuan utk refinance?

1.nak kurang monthly?
2.nak cashhh?
3.tukau bank?...
4.dll...

cleopatra · Post time 13-3-2008 12:57 PM

refinance atas nama sndri atau jual ke 3rd party ni..?

klu nama sndri..bagi docs sndri jer..ic, dl, payslip 3 bln, copy geran..

klu 3rd party..kena bg buyer nyer documents lar..

tp klu transaction hasben & wife..bank tak buat..

d34n · Post time 13-3-2008 01:11 PM

Originally posted by cleopatra at 13-3-2008 12:57 PM
refinance atas nama sndri atau jual ke 3rd party ni..?

klu nama sndri..bagi docs sndri jer..ic, dl, payslip 3 bln, copy geran..

klu 3rd party..kena bg buyer nyer documents lar..

tp klu t ...

refinance 3rd party ni cemana..?

cam jual kat orang lain ke..?
kalo tu dah kira wat loan baru kan..?

cleopatra · Post time 13-3-2008 01:19 PM

kdg2 customer dtg kat bank..cakap nak wat refinance...tp rupa2nya dia nak jual/tukar nama kpd adik beradik/family...yg ni kita leh accept...tp klu yg nak jual/tukaw nama ke spouse...sorry..no entry..hehehe..somi isteri klu nak pakai duit..sila buat personal loan..hehe

d34n · Post time 13-3-2008 01:35 PM

ni aku nak mitak clarify sket nih...
ada ke istilah tukau nama kat loan kete nih..?

bukan x ley tukau nama ke melainkan kena buat loan baru @ buyer kena buat loan sendirik utk keta tu..?
ape la aku cakap nih....

camni la contoh..
A nak ada keta nak let go ke B, tapi A x nak jual, sebab kalo jual nanti dia kena topap duit kat bank sebab loan banyak lagikk.. so bole ke dia tukau je nama keta tu & loan tu ke B..?
ataupun B kena wat loan lain utk amik keta A tu. selain dari kaedah sambung bayo...

sekian, macehhh...

takumi86 · Post time 13-3-2008 01:50 PM

gud question...

tapi aku rasa cleo kuar gi tapau spagetti kat pijjahut kott...

btw, aku rasa, yg bank talak untung nyer transaction task ni.. sure bank tak bueekk n layan nyerrr....

d34n · Post time 13-3-2008 01:57 PM

tu la...
aku kompius sebenonye...
tapi yg aku taww mmg takde la istilah tukau nama selagi keta under loan bank & laon tu nama kita... lain la ko buat loan baru...

tu yg mintak mgr ambank kasik eksplenesen tu...
mgr rhb lama dah x nampak dah...

sump81 · Post time 13-3-2008 02:12 PM

thanks..
nk kurangkn blnan nyer..

sump81 · Post time 13-3-2008 02:17 PM

makner nyer refinnce nie tk leh namer org lain ekk...
ehm..kane wat loan br lah kn..

cleopatra · Post time 13-3-2008 02:22 PM

tukaw nama tu istilah yg selalu customer cakap..dowang selalu igt leh tukaw mcm tu jer..esp klu transaction tu melibatkan family members..sbnrnye mmg kena apply loan dulu, mcm yg ko cakap tu ler..hihihi..

cleopatra · Post time 13-3-2008 02:24 PM

Originally posted by sump81 at 13-3-2008 14:17
makner nyer refinnce nie tk leh namer org lain ekk...
ehm..kane wat loan br lah kn..

ada dua jenis refinance..
self refinance..
atau jual kat 3rd party..
dan dua2nya xyah pakai used car dealer..

sump81 · Post time 13-3-2008 02:28 PM

oo00oo..ok..ok...dh jelas sikit ttg tue..
so aku kene direct pegi bank n terus apply jer ker..bwk dokumen yg mcm tertera kat atas tue ekk..?

thanks..

cleopatra · Post time 13-3-2008 02:29 PM

Originally posted by takumi86 at 13-3-2008 13:50
gud question...
tapi aku rasa cleo kuar gi tapau spagetti kat pijjahut kott...

btw, aku rasa, yg bank talak untung nyer transaction task ni.. sure bank tak bueekk n layan nyerrr....

arini aku makan malay food jer..bosan lar ari2 mkn spegeti/lasagna/ciken roasted...

d34n · Post time 13-3-2008 02:31 PM

so kalo wat loan baru tu nanti int akan jadi tggi la kan since dah consider value kete sekenhan...?
camna pulak kalo buyer nak buat loan baru, tapi nak maintain kan monthly installmen cam 1st owner dulu..? bley ke..?

sump81 · Post time 13-3-2008 02:31 PM

aper jer jenis borang kene isi nnt..?
aper jer nk ckp kt org bank tu nnt..?
mcm insurans tue kene kacau ker atau akan kekal mcm tu jer..?
ader kene wat aper2 pemeriksaan ker..?(jpj)

cleopatra · Post time 13-3-2008 02:33 PM

Originally posted by sump81 at 13-3-2008 14:28
oo00oo..ok..ok...dh jelas sikit ttg tue..
so aku kene direct pegi bank n terus apply jer ker..bwk dokumen yg mcm tertera kat atas tue ekk..? thanks..

ye saya..hehe..
cuma kdg2..lain bank lain requirements nyer..so just be prepared...sediakan segala extra docs..EPF statements, bank statements, EA form, saving passbook..etc..