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mbb BT 12 mths 0% interest
promo cimb BT 6 mths 0% interest sampai 31 dec 2010
agak-agak, thn dpn, cimb akan buat 12 mths with 0% interest tak? |
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tahun baru ni tak ada promotion ke ek?? |
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dah mati ka thread ni? sunyi sepi je.. tak ada promo yang terbaru ke? |
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kebanyakannya dah dibgtahu kat Page2 sebelum ni.....biasalah ...Balance transfer dr Bank2 ni bukanlah kerap....setiap satu promosi bila tempoh dah berakhir...samada bank akan buat promosi BT terbaru atau lanjutkan promosi BT sedia ada....aku dah check dgn Kebanyakan Bank ( kat laman web depa ) 0 CIMB, HONG LEONg Bank , RHB , HSBC, Public Bank , dll kebanyakan promosi lama( sedia ada )... |
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Skang ni BSN ada buat balance transfer 0% interest selama setahun ke..tak brapa pasti la..ingat nak pg  |
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bank mana paling bagus sekarang? |
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apa latest offer utk balance transfer ye? klu dpt yg islamic lagi best  |
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agliolio posted on 28-5-2013 10:43 AM 
apa latest offer utk balance transfer ye? klu dpt yg islamic lagi best
HSBC , RHB, CIMB kalau x silap ada latest offer 6 month 0 interest.....tp term and condition apply....cer riki2 website bank2 tersebut...
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medangmru posted on 28-5-2013 10:49 AM
HSBC , RHB, CIMB kalau x silap ada latest offer 6 month 0 interest.....tp term and condition apply ...
brape maximum yg bank boleh bantu ya?
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agliolio posted on 28-5-2013 11:09 AM
brape maximum yg bank boleh bantu ya?
bergantung pd credit limit....biasanya up to 90% dr jumlah credit limit....
btw tsnya u faham x konsep Balance tyransfer ni???
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medangmru posted on 28-5-2013 11:12 AM
bergantung pd credit limit....biasanya up to 90% dr jumlah credit limit....
btw tsnya u faham x ...
selesaikan amount kad kredit kan secara ansuran. kira mcm convert jadi loan la. 
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agliolio posted on 28-5-2013 11:14 AM
selesaikan amount kad kredit kan secara ansuran. kira mcm convert jadi loan la.
sbnrnya mende ni dah bincang kat post2 awal.....balance transfer ni sbnrnya konsep dia mudah...nak kurangkan amun outstanding atau settlekan jumlah outstanding kat Bank lain....
Kad Bank A = 10K
Kad Bank B = 0 -credit limit 12K
So...kalau dikira kad Bank A....kene bayar minimum RM500 sebulan....dan nak kene bayar jugak interest bulanan....so kat sini kita transfer RM10L dr Bank B ke Bank A....dan kendian buat early settlement dan kalau boleh kasik tutup akaun....
so menten dengan Kad bank B...so dalam penyata akan tertera jumlah RM10000 + transfer fees ( kalau ada ).....so....cara pembayaran plak sebenarnya bergantung pada pihak Bank nyer rules....ada bank :-
1. Kenekan sekali transfer Fees dan jumlah RM10K tu akan dibahagi pd jumlah plan ( ikut bulan)
2. Kenekan transfer fees dan bayar minimum 5% setiap bulan....
Mana untungnya??? mcm gali lubang tutup lubang jah.....
Untungnya adalah dr segi interest ....
katakan kita amik contoh yg no (1)...so pembayaran bulanan dikira hampir tiada interest sbb dah digazetkan monthly payment secara tetap setiap bulan. So kalau transfer RM10K...katakan transfer fees 5% = RM10x5%=RM500 utk one time charges....so continue dengan RM10K/36 ( sbg contoh) =rm277 SEBULAN....bayaran ni adalah tetap sampai ke bulan terakhir....so keuntungan kita adalah dr segi interest
kalau ikut cara ke 2 plak....6 bulan interest free tu bg kita peluang utk bayar semaksimum mungin selama 6 bulan denagn tiada interest...so pd bulan ke7 bila dah start dikenakan interest....berlkemungkinan amaun asal dah berkurangan dengan byk dan interest yg dikenakan semakin rendah..
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medangmru posted on 28-5-2013 11:42 AM
sbnrnya mende ni dah bincang kat post2 awal.....balance transfer ni sbnrnya konsep dia mudah...nak ...
thanks bro for the info 
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Aeon Credit Personal Loan
-0.84%monthly
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Aeon Credit |
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PloanSpecialist posted on 8-10-2013 12:00 AM
Aeon Credit Personal Loan
-0.84%monthly
ni ada check CTOS dan CCRIS tak?
nak tau gak.....
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medangmru posted on 8-10-2013 07:24 PM
ni ada check CTOS dan CCRIS tak?
nak tau gak.....
ada check....CCRIS & CTOS tak dapat apply
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BT ni ade hidden charge x?mcm processing fee ke.. |
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damiqula posted on 17-10-2013 09:25 AM
BT ni ade hidden charge x?mcm processing fee ke..
ada,,,,tp dipanggil ome time fee...bergantung kepada bilangan bulan yang diambil,,.,,ini bukan hidden charge to mmg dah tertera kat memana promosi BT,,,harap maklum..
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medangmru posted on 17-10-2013 07:19 PM
ada,,,,tp dipanggil ome time fee...bergantung kepada bilangan bulan yang diambil,,.,,ini bukan hid ...
kalo camtu xberbaloi kot sy bt,balance xsmpi 1k pun hehe
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damiqula posted on 18-10-2013 08:39 AM
kalo camtu xberbaloi kot sy bt,balance xsmpi 1k pun hehe
biasanya yg buat BT ni amaun yg agak besar....
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Category: Belia & Informasi
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Post time 27-12-2010 01:13 PM
