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salam..nak tanye ckit ni...
kalo kita nk wat overlap utk ttp PL lama (mase tu interest tinggi = 5.85%, skang 4.85% ) kita camane kira2 bank ni yerk...??
sbb smlm ade g bank n selepas diskas2 tu, camni la yg staf bank tu bg tahu...
PL lama 30k/15thn = 313/bln(5.85%)
skang ni dah byr + 3 bln kehadapan = 15bln = 313 x 15bln = 4695
PL baru kalo buat 50k/15thn - tutup loan lama, baki =18k ...
jd, makne nye utk settlement loan lama =32k..
katala nk buat cukup 32k tu je = 307/bln/15thn (4.85%)
sbbnye, igtkan nk kurgkn ptgn dlm payslip tu, tp xbyk beza pun stakat 6 hengget jerk...
n rase kalu wat loan baru ni w/pon ptgn kurang 6 hengget, tp kira2 balik....
30k = 313 x 180bln = 56340
32k = 307 x 180bln = 55260 + 4695 = 59955
soalan nye...
1. camane kira2 dia yerk yg dpt settlement 32k tu???...saje nk tahu..hehe...
2.lg baik terus byr je 313/bln @ wat ovelap tu...( igt nk kurgkan potongan, tp cam rugi jerk...)
tu je stakat ni, sori la kalo terbelit2..... |
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Fuhhh...mencabar minda aku ni ikang....nak2 plak skil matematik aku dah karat...
apa2 pun Good Question... |
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salam..nak tanye ckit ni...
kalo kita nk wat overlap utk ttp PL lama (mase tu interest tinggi = 5 ...
ikangpiana Post at 29-6-2010 15:15 
hye piana...reen rasa takat nk kurangkan rm6 dr potongan yg sedia ada tu baik x yah bt loan baru
bagi reen...baik kekalkan bayaran skrg
or if berkeras gak nk kurangkan potongan yg sedia ada tu kpd jumlah yg lebih kecik..bolehlah bt overlap tu
tp sudah semestinya jangka masa potongan tu akan bertmbh...la ni kan dh sampai 20 thn |
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masuk dlm kad RHB EASY....ada lambang RHB easy tu...kira2 mcm ATM kad....tp ada lambang VISA...
medangmru Post at 28-6-2010 16:16 
hmm...swasta n kerajaan pun bleh apply ek..habis, pembayaran balik tu tolak gaji atau leh bayar tunai jer.. |
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hmm...swasta n kerajaan pun bleh apply ek..habis, pembayaran balik tu tolak gaji atau leh bayar ...
malaygurlz1984 Post at 30-6-2010 10:44 
baik govt n private leh bt...haritu masa pi pjbt pos ada kiosk rhb easy ni
tanya2lah budak rhb tu...dia ckp..leh bayar gune cash mesin..dia xmasuk dlm payslip |
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1 lg nk tanya.... kalau kita xnk wat overlap, tp nk tmbah loan.. kirenye loan lama xnak tutup tp nk wat loan baru di bank sama tp cawangan lain,krenye loan baru ni tempoh lebih ckit pada loan lama...bleh ke wat gitu???? |
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biasanya Bank akan suggest suh buat overlap... |
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ai gov servant...nk buat personal loan 50k pasal nk renovate umah...byr abis 10 thn...loan apa paling ok eh?? |
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nk tnya, klu terlambat byr personal/car loan, cthnya terlewat seminggu dua after due date nnti kt ccris ada bad record ke? ada late payment fee ke mcm cc? |
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1 lg nk tanya.... kalau kita xnk wat overlap, tp nk tmbah loan.. kirenye loan lama xnak tutup tp nk ...
ikangpiana Post at 1-7-2010 15:52 
tak boleh ader 2 akaun di bank yg sama walau cawangan lain |
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Reply 851# ayanganje
kalau kita nk tambah loan kt bank tu boleh x... kira loan lama kita stay je , loan baru tambah tu kita ikut interest baru tu...boleh??? |
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Reply ayanganje
kalau kita nk tambah loan kt bank tu boleh x... kira loan lama kita stay ...
ikangpiana Post at 2-7-2010 09:29 
klu tak salah yang ni kena wat overlap untuk loan lama
tp klu nak lebih detail tanya ngan bank tu sendiri
lebih jelas |
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nk tanya sketla berkenaan rhb easy ni...agak2 bleh approve ke kalau...
gross salary=RM1300(dh 2 thn kerja-ada epf,socso etc.) + side income(home biz) = RM2k-3k sbulan? TQ. |
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ada kad kredit cakklet??
kalau xder boleh je buat dgn cara kedua dgn submit dokumen sepatutnya dan kene tunggu skit tuk approval.... |
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salam... nk confirmkan... sebab sy tak reti..huhu...
dripd respon sume, org yg kje swasta susah ek klu apply personal loan??  |
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salam... nk confirmkan... sebab sy tak reti..huhu...
dripd respon sume, org yg kje swasta susah ek ...
cho_ Post at 8-7-2010 03:40 PM 
xder la susah mana....asalkan dokumen lengkap....dah keje agak lama...sonang yo.. |
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br jap aeon kol nk bg personal loan rm1.9k,pd kadar 1.3%.kalo ambik sethn byr blk dlm 2100..bln2 180++..huhu..dia kata bole confirm dlm tepon je,nnti dh lulus leh dtg sign.sbb dulu penah pinjm ngan drang,byr elok kut tu ofer lg.cuma ada 1bln tu sangkut sbb cek lambt clear,n drang xdpt kol sbb sy g indon,abis sume penama,ofis drang kol.tu je rasa ralat skit |
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buat je ngan mane2 bank....klu cukup dokumen yg diperlukan...takde masalah... |
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Reply 827# medangmru
orang dah cakap tak nak caya....
nasib baik jauh, kalau tak, aku dah pow gak kawan ko tu!  |
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Reply medangmru
orang dah cakap tak nak caya....
nasib baik jauh, kalau tak, aku dah pow gak kaw ...
PrintChez Post at 12-7-2010 11:37 AM
Hahahhaa......semalam aku pow dia lagi.. |
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Category: Belia & Informasi
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Post time 29-6-2010 03:15 PM
