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Originally posted by tehbunga at 30-6-2006 11:19 AM
Rate 5.99% dgn AIA tu ended 31/05/06..by 01/06 dah naik ke 6.15% kalo tak silap lee
Teh pun ada mohon unt buat refinance..tunggu approval la ni..
mengikut citer Officer AIA tu, kalo loan dgn ...
amadeus....chiaki dah lama dah pegi. x ingat la bila.
tu la..tgk la kalau sempat this w/end ajak hubby pi sana tgk show unit dia.
masa chiaki p sales opis dia tu, mmg AIA offer 5.99 lg. skrg ni kalau x silap dah 6.25.
tp tu la....kalau fix loan ni, rumah lom siap pun kite dah kena bayo byk.
nk kena campur lg dgn duit sewa rumah lagik....pehhhhhhh....mana nk cekau tuh.... |
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Originally posted by Juju at 30-6-2006 12:25 PM
kira juju ambil under MNI = co insurance mmg convert ke life insurance kan.....
betul la juju...
ni officer kat AIA bagitau...
Teh pun tak tahu sebelum tu.. |
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Originally posted by Juju at 30-6-2006 12:25 PM
kira juju ambil under MNI = co insurance mmg convert ke life insurance kan.....
bukan ke MRTA ni memang under insurance company? Sbb masa saya loan dgn BCB, MRTA dgn Amal Assurance. Masa refinance ke Maybank, MRTA under Mayban Life assurance. Ada option kalau nak boleh ambik Mayban Takaful.
Conversion to life insurance ni standard atau utk certain insurance company je? |
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Reply #1049 CivicSI's post
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CivisSI, kalau bank loan boleh kot, aleesa ambil ni government loan...memang Perbendaharaan (kementerian kewangan) tak bagi letak 2 nama kalau ambil Islamic loan..hai kalau aleesa ambil islamic bank loan.. lagi banyak ler aleesa kena spend bulan2... ni saja ambil manfaat aleesa kerja gov so ambil gov loan... saja nak elak bank loan.. |
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Ramai org sekarang dah aware about life insurance... sebenarnya.. kita boleh tukar MRTA ke Life Insurance... Iman mmg pernah terbaca artikel tentang ni... MRTA biasanya akan terhapus bila loan rumah habis dibayar... tapi berlainan dgn life insurance... bila loan dah habis dibayar.. kita akan dpt balik amount tu.. mcm insurance biasa...
Tentang pembayaran Iman tak pasti.. tapi rasanya pasti lebih mahal dr MRTA.. |
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Iman rasa.. 1 or 2 names bergantung pd bank's policies...
Our other hse S&P under my name.. tapi loan nama hb... sebelum decide nak buat mcm tu. .kami dah tanya bank dulu... boleh ke.. bank said no problem... andai hb pegi dulu.. (minta dijauhkan Allah)... secara automatik I tak perlu bayar... (sbb yg penting dlm loan.. pembayar tu sapa)...
The other hse.. kami pakai company loan (com. hb).. but S&P under both name... |
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Originally posted by aleesa1940 at 30-6-2006 12:42 AM
Kak Noor, saya kerja government.. saya ambil government loan sebab nak kan kadar dividen yang murah. Husband kerja private, so tak boleh join loan memang dgn dia. unless ambil bank... (kami memang ...
ok thanks..:tq: |
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Originally posted by Juju at 30-6-2006 08:01 AM
kak noor,
macam rumah juju kat rawang tu...kita org beli atas dua nama...so bila ambil loan dgn MBSB...dua nama...nama hubby 1st...nama juju second...pastu ambil MRTA, dua2 ambil....nie unde ...
ok thanks..dah faham sket :tq: |
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..sapa kat sini yg pernah amik second loan gomen...(pembelian umah kedua)..? (akak ada mende sket lah nak tanya :bgrin |
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..emm ader sesaper kat sini pernah amikloan ngan MBSB tak...
..klau ader..tolong citer kat skit ok tak ngan diorang nie...:hmm:
..tolong yer....sye tak tau sngt lerr...:tq: |
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mias baru call MBSB tadi.. disebabkan kurang arif, so tak byk la soalan bernas dari mias..hehehhe... yg mias found out is 105% loan tu dah abis..:geram:... yg ada now is 95% jer... pastu dia ada faxkan flyer .. okay la jugak rates dia.. |
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Originally posted by mias_2004 at 4-7-2006 12:06 PM
mias baru call MBSB tadi.. disebabkan kurang arif, so tak byk la soalan bernas dari mias..hehehhe... yg mias found out is 105% loan tu dah abis..:geram:... yg ada now is 95% jer... pastu dia ada fa ...
..oh yer tue ...tue le ader gak dengar leh apply yg 105% tue...tapi dah abis ekk....alahaii
emm..ader sesaper yg dah ader pengalaman tak ngan MBSB nie.... |
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Originally posted by enaceput at 4-7-2006 11:26 AM
..emm ader sesaper kat sini pernah amikloan ngan MBSB tak...
..klau ader..tolong citer kat skit ok tak ngan diorang nie...:hmm:
..tolong yer....sye tak tau sngt lerr...:tq:
juju ada apply untuk rumah kat rawang...juju dapat fixed rate 6%...tapi package nie lama tak de dah since diorg tukar management baru
nak cite camna ye...apa yg ok tak ok ke
processing fee - RM100
yg ok...flat rate - 6% |
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juju kalau flat rate 6% memang bagus lah sgt...tapi yang amadeus tgk..sekarang MBSB offer ikut BLR juga...
ena..95% pun dah good enough..kalau loan 105%..seksa juga nak membayarnya tak? |
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Originally posted by Juju at 4-7-2006 05:26 PM
juju ada apply untuk rumah kat rawang...juju dapat fixed rate 6%...tapi package nie lama tak de dah since diorg tukar management baru
nak cite camna ye...apa yg ok tak ok ke
processing ...
juju..rasanya..nak tahu MBSB bayar kat pemaju okay tak..on time tak...lepas tu..senang ke nak g cari kaunter MBSB nih utk buat bayaran bulan2...amadeus tak pernah nampak pulak MBSB..kat mana yer?..
service depa macamana...senyum je ke bila g bayar...
kot peminjam terlambat bayar..diorang chase ke tak..itu ler gamaknyer... |
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Originally posted by amadeus at 5-7-2006 10:42 AM
juju..rasanya..nak tahu MBSB bayar kat pemaju okay tak..on time tak...lepas tu..senang ke nak g cari kaunter MBSB nih utk buat bayaran bulan2...amadeus tak pernah nampak pulak MBSB..kat mana ...
juju mmg jenis dapat surat dari developer - satu copy untuk customer - terus chase MBSB suruh bayar- so mmg diorg bayar ontime...tapi ada gak kes yg juju bertekak dgn pegawai diorg coz kitaorg kena bear the interest coz diorg lambat release 1st payment to developer - nie siap refer lawyer & mintak surat pengecualian ...after that mmg ok dah ....sampai loan settle...kerja juju dok remain diorg.Sebab dpt interest rendah kan...tu yg stick dgn MBSB
juju bayar kat Damansara Heights...coz dekat dgn opis...jalan kaki je...tempat lain tak sure kat mana |
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Originally posted by amadeus at 5-7-2006 10:37 AM
juju kalau flat rate 6% memang bagus lah sgt...tapi yang amadeus tgk..sekarang MBSB offer ikut BLR juga...
ena..95% pun dah good enough..kalau loan 105%..seksa juga nak membayarnya tak?
...emmm haah kan dari tak der langsungkan....95% pun mesti dah kire ok kann....ok lah nnti nak try nengokk hehehehe...:pmuka: |
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Originally posted by enaceput at 4-7-2006 01:50 PM
..oh yer tue ...tue le ader gak dengar leh apply yg 105% tue...tapi dah abis ekk....alahaii
emm..ader sesaper yg dah ader pengalaman tak ngan MBSB nie....
ena,
95% tu dah kira orait le... my kondo.. dulu i buat loand dpt dlm 70%++ je... masa apply dulu bank kata boleh dpt 90%.. rasa dah ok le tu.. tetiba tak approved... dia kata boleh dpt 70%je... kalau nak 90% boleh.. tapi dgn syarat kami kena buka FD dgn dia.. minimum 20K... perempuan tu siap promote giler2 dgn kami pasal FD.. dia kata kalau monthly payment kami ok.. by 1 year boleh keluarkan duit tu... so at the end dpt balik le duit kami...
Mula2 Iman mcm setuju gak.. tapi bila fikir punya fikir... actually kita yg rugi... rugi dr segi interested.. sbb makin byk loan.. makin byk interested... bank lagi utk.. dpt loan and at the same time.. i buka FD lak... tu yg kami decide.. bayar kat developer je... dpt loan dlm 70%++ pun tak pe lah.. tapi monthly kecil kan...
Moral of the story... hati2 dgn janji2 manis bank ni... kalau mampu.. bayar le downpayment lebih sikit... sbb in long run. .kita lagi untung... |
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Originally posted by Iman_Baby at 5-7-2006 03:49 PM
ena,
95% tu dah kira orait le... my kondo.. dulu i buat loand dpt dlm 70%++ je... masa apply dulu bank kata boleh dpt 90%.. rasa dah ok le tu.. tetiba tak approved... dia kata boleh dpt 70 ...
...eh yer ker camtue...aisey risauunyerr....nie tak sabo nak nunggu result loan ok ker idak...memintak tak der poblem ler....klau jadi cam Iman_Baby...susah jugak tue ekk...emm tak per tnngu result dr diorang dlu lah camner.....:pray: |
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Post time 30-6-2006 12:53 PM
Author
