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Advance bayaran loan atau maintain bayar monthly

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Post time 28-11-2016 03:38 PM | Show all posts |Read mode
Salam sejahtera,

Ni ada satu soalan nak tanya berkaitan strategi membayar loan.

Contoh senario, andaikata sekarang ada ambil loan yang kena bayar installment RM100/sebulan selama 120 bulan. Apakah perbezaan utk dua method di bawah ni:

Method 1
Bayar installment untuk 12 bulan one-shot. Contohnya Jan 2016 kita bayar RM1200, Jan 2017 bayar RM1200, Jan 2018 bayar RM1200 sampailah tahun ke-10.

Method 2
Bayar bulanan RM100 mcm biasa sampai tahun ke-10.

Secara personal point of view, saya faham kalau guna Method 1 kita boleh abaikan loan tu selama setahun dan takyah risau nak buat reminder bayar tiap2 bulan. Tp kalau from bank point of view, ada apa2 kesan ke?

Terima kasih.


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Post time 28-11-2016 04:33 PM | Show all posts
tak pernah try teknik ni, biasa yang try teknik budak oil n gas. beli rumah lipat settle kan 3 tahun. bila tanya apa ilmu pakai tengok payslip rm 80 000, kerja dengan iraq selatan kawasan selamat tak bergolak.

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Post time 29-11-2016 10:21 AM | Show all posts
Untuk method 1 bayaran setahun yg tuan buat tu akan floating, maksudnya tak dikira sebagai pengurangan pokok hutang pun. Setiap bulan akan dipotong bayaran bulanan dari amaun yang floating tu. Sesuai kalau tuan takut terlupa bayar..

Tapi dari segi pelaburan langkah tuan merugikan, sebab tuan ada amaun tunai yang besar tapi floating tak buat kerja. Lebih baik letak amaun tunai tu dalam ASB/Tabung Haji untuk dia bekerja generate dividen. Bulan2 tuan keluarkan sedikit amaun bayar ansuran bulanan hutang. Tapi kena sentiasa alert & monitor (kena rajin).

Jadi tuan malas ke rajin?
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 Author| Post time 29-11-2016 10:49 AM | Show all posts
oberst replied at 29-11-2016 10:21 AM
Untuk method 1 bayaran setahun yg tuan buat tu akan floating, maksudnya tak dikira sebagai pengurang ...

Thanks bos, makes sense.

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Post time 24-5-2017 09:15 PM | Show all posts
This is to inform you that we are granting loans to our old and new customers at three percent interest rate. Do you need secured or unsecured loan? Are you in any financial mess or do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills? Do you have a low credit score and you are finding it hard to get loan? Here is your chance to get the loan. Anyone interested should reply to our email: (medallionfinancing@gmail.com) with the following information:
Name: Amount: Duration: Phone number---

Mr Adams
Loan Officer
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Post time 28-5-2017 04:05 AM From the mobile phone | Show all posts
Salam semua

Nk tny lh jgk korg yg ada pengalaman selesaikn loan kereta
Sy buat potongan gaji blnn
Tp potongan lewat drpd tarikh sepatutnya
tp skrg berbaki 3 bln shj... jika sy nk setel bal 3 bln ni secara tunai kpd bank.. agk2 blh dpt less x... lg satu adakah potongan gaji ni dpt clear cpt sbb dh setel lbh awl.. didahului dgn ucapan terima kasih
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 Author| Post time 27-7-2017 01:53 AM | Show all posts
supernaturalee replied at 28-5-2017 04:05 AM
Salam semua

Nk tny lh jgk korg yg ada pengalaman selesaikn loan kereta

Maaf saya tak tahu jawapan utk soalan tuan ini. Lebih baik tuan call bank dan tanya samada ada pengurangan utk early settlement ke tak.
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Post time 10-8-2017 11:15 AM From the mobile phone | Show all posts
mshaiful replied at 27-7-2017 01:53 AM
Maaf saya tak tahu jawapan utk soalan tuan ini. Lebih baik tuan call bank dan tanya samada ada pen ...

dh kol bank
ktnya blh byr penuh in advance
tp potongan gaji ttp berjln sbb arhn potongan ikut agreement
so kena kontek bank utk dptkn blik byrn melalui potongan gaji td
dh gitu mmg biar potong mcm biasa je
potong last bln ni...so nnt trus kol bank lg utk stop buat potongan
hopefully xperlu extend potongan
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 Author| Post time 11-8-2017 01:16 PM | Show all posts
supernaturalee replied at 10-8-2017 11:15 AM
dh kol bank
ktnya blh byr penuh in advance
tp potongan gaji ttp berjln sbb arhn potongan ikut ag ...

Tq for sharing.
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