[Enquiry] Refinance Keter

sump81 · Post time 13-3-2008 02:36 PM

orait..

semua leh d bereskn..

cleopatra · Post time 13-3-2008 02:37 PM

Originally posted by d34n at 13-3-2008 14:31
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 ow ...

keta yg baru register semalam, pastu nak jual balik arini pun dah kira 2nd hand..inikan keta yg dah dipakai bertahun2..hehehe..

installment keta depends ngan jumlah loan yg nak dibuat..
jumlah loan plak tertakluk kpd bank punyer own valuation on the car..
mgkin klu ikut market, harga keta tu 20K..tp valuation bank mgkin lain..selalunye lower lar..

sump81 · Post time 13-3-2008 02:39 PM

kalo tk keberatan leh tnjk kan contoh org2 yg pernah wat tk benda nie..proses2 nyer..ehm..perkara yg berkaintan..

perkiraan ker..?

cleopatra · Post time 13-3-2008 02:43 PM

Originally posted by sump81 at 13-3-2008 14:31
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)

ckp jer nak wat refinance..nti officer akan tnya refinance aper..pastu baru jawab dgn panjang lebar..hehe

application form leh isi kat bank..

insurance kena beli atas nama owner baru (klu jual ke 3rd party)

kena wat inspection kat puspakom (B5) lps loan approved..

signing of loan agreement pun lps loan approved..

kena surrender original geran (if any) kat bank masa sign agreement nti..

then kena byr some fees to bank...transfer fee, settlement on behalf (if any)..etc..

apa2pun..sumer prosedure di atas mgkin berbeza dr satu bank ke bank yg lain..tq..

sump81 · Post time 13-3-2008 02:45 PM

ehm..ok...clear dh..trime ksh byk2...

sump81 · Post time 13-3-2008 02:46 PM

ehm..ok...clear dh..trime ksh byk2...

sump81 · Post time 13-3-2008 02:47 PM

opps sblm terluper...
brp lamer proses nie..?

cleopatra · Post time 13-3-2008 02:53 PM

proses agak pnjang..
mula2 loan processing
bila dh ada approval
baru sign agreement, byr fees..etc
pastu buat settlement (klu ada)
pastu baru buat tukaw nama kat geran..

selalunye amik masa 3 minggu ke atas..tq

sump81 · Post time 13-3-2008 03:01 PM

lamer jugak ekk...

arenis · Post time 13-3-2008 03:19 PM

Originally posted by cleopatra at 13-3-2008 02:53 PM
proses agak pnjang..
mula2 loan processing
bila dh ada approval
baru sign agreement, byr fees..etc
pastu buat settlement (klu ada)
pastu baru buat tukaw nama kat geran..

selalunye amik ma ...

cleo aku kol x dpt..tanya kat sini je la...

masa buat loan tu...insuran, dll fees kena bayar cash...
x ble ke dimasukkan sekali dlm loan tu eks..

cleopatra · Post time 13-3-2008 08:15 PM

sorry masa ko call td...aku tgh mengadap boss..hehe..

sumer kena byr cash lar..taley masuk loan..sbb loan tu direct refinancing..meaning..tak melibatkan used car dealer...

klu ikutkan..rugi taw masukkan all the fees dlm loan...rugi bila byr installment...tinggi woo...

sump81 · Post time 14-3-2008 08:27 AM

ehm..ader lg 1 soalan..leh ker kiter nk terus kn proses ni jika salah sorg samada owner @ pembeli tk der..?

cleopatra · Post time 14-3-2008 09:58 AM

takde tu maksudnye aper..? takde di malaysia, atau dah meninggal..?

dua2 pihak kena ada masa sign agreement..klu salah satu pihak outstation (dlm malaysia gak)...dia boleh sign agreement kat mana2 branch bank yg terdekat dgn dia..

tp klu luar negara, payah skit lar..sbb saper nak jadi witness masa dia sign..saper nak verified IC dia..

klu yg dah meninggal..waris kena dpt suara kuasa tuk tukaw nama dr amanah raya..bila dah tukar nama, baru leh jual ke pihak lain..

sump81 · Post time 14-3-2008 03:17 PM

mcm tu ker..mase nk sign agreement tue tk der atas alasan jauh..susah nk kuar time keje..tk der cuti..ehm..d wakil kn pd seseorg leh ker..?

cleopatra · Post time 14-3-2008 05:14 PM

Originally posted by sump81 at 14-3-2008 15:17
mcm tu ker..mase nk sign agreement tue tk der atas alasan jauh..susah nk kuar time keje..tk der cuti..ehm..d wakil kn pd seseorg leh ker..?

tak boleh..