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Reply #42 norezlin's post
banyak bank buat... tapi utk pekerja swasta mmg tinggi giler....
dah ko nak payslip cantik tak nak cacat...
so pasrah jer ler interest tinggi...
public bank mmg takder utk swasta company...
ko leh cuba bsn, al rahji, MBSB, Bank Persatuan |
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Reply #43 kipas_y2k's post
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bank persatuan ek? mcm x penah dgr jerk...ok nnti try call la...anyway thanks... |
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Reply #44 norezlin's post
kalau lembah klang nie ada kat shah alam jer cawangan dia...
kot blah utara banyak cawangan |
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Reply #45 kipas_y2k's post
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ha...dah call dah branch shah alam tuh...dia nak ada penjamin keje gomen, gaji rm1500 ke atas, loan sampai 8x gaji...tp lupa nak tanyer interest rate dgn cara byr balik mcm mana ek? |
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ada sesiapa penah buat loan dgn citibank tak? apa beza installment loan dgn ready cash yek? tinggi tak agak2nya instalment tiap2 bulan? |
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Originally posted by chebot81 at 21-8-2007 03:53 PM 
hye syclenz...
hmmm masalah nyer loan 10k tu dah abeh dah....zero!
tu yg problem tu...
ingtt nak suh dia wat loan tu untk setel mana yg dah berlubang2 tu..
pehtu leh dia bayar kat satu ba ...
ini cth my own experience. i work out , fikir itu ini camner nak settle, nak buat personal loan, rejected. at last, disiplinkan diri sendiri and rasa puas dgn hasil ni.
i bg you cth : hutang RM9,400
bank1 RM3300
bank 2 RM1800
bank 3 RM4300
mcmana dpt settle dlm 1 year without any personal loan?
bulan 1, 2, 3 , focus kat 1 bank, buat RM300 monthly. Then ada bonus, dump buat full settlement, dpt waive interest RM+-400.
---->so settle, from RM3300, kita byr RM2900
bulan 4-7, focus bank 2, buat RM300 mthly, 5instalment, dpt waive interest RM300
---->so settle, from RM1800, byr RM1500
at the same time, ada rezeki lebih, spend another RM200 mthly for bank3
bulan 8, focus bank 3, (dah byr RM800, ada lagi RM4K)
---->further discuss ngn banker, dpt waive RM700, keluarkan saving, buat full settlement RM2800.
---->so settle, from RM4300, kita byr RM3600
syukur & puas, takde lagi bebanan.....................
________________________________________________________________________________________________________
you pulak tk byk utang, dlm RM4K.
so, allocate RM400 sebulan. cth kalau u ada 4cc, RM100 per cc.
within 10 mths, boleh habis tanpa ada anymore debt (personal loan)
GOODLUCK TO YOU.
[ Last edited by syclenz at 23-8-2007 10:13 AM ] |
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Reply #47 syclenz's post
cara nie pun leh guna pakai....
aku setuju dgn ko...
yg penting jaga NAPSU jer ekekekk |
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blue_berry This user has been deleted
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aku nk buat personal loan ssh la
aku kje ngn swasta, bukan public listed pnye company
bank mne blh buat loan yek?
aku tgk majoriti bank gaji min rm2k, public listed company
huhuhu....ssh nye |
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hai korang sumer..
dah 2 ari tak jenguk...nih nak stori member chebot skang nih tgh dok tunggu gaji akhir bulan nih nak bayor kad2 dia tu...tula...lepas pk2 balik...rasa cam rugi jer wat personal loan sumer tu....yerla gali lobang tutup lobang buat aperkan?
ok gak cam syclenz cakap tu....cam kipas cakap jugakla....
memang chebot rekemen kat dier soh buat step cam tu..
tgk camner,kalo dia dah wat leh chebot crita kat sini... |
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Reply #40 norezlin's post
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ade...bank rakyat tak kaco payslip..dorang buat post dated cheque...mbsb pon senang kowtim.....stakat nak 6k tu aku rase within 2 weeks dorang dah poses...provided ko tak ade sangkot kat mane2 lar.. |
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Reply #51 hatemetoday's post
bank rakyat tu tahun bila punya prosedur tu...
bank rakyat sekarang nie hanya terima LOAN BARU dari mereka yg ada kemudahan potongan gaji dari angkasa dan terus dari majikan...
tapi bagi mereka yg nak buat overlap...
dulu menggunakan cara post dated check atau arahan tetap bank...
ianya masih boleh menggunakan cara yg sama
dgn syarat.. record payment cantik |
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bank rakyat ni leceh sikit...nak kena ada guarantor.. |
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Reply #52 kipas_y2k's post
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owhh padan le..aku nye overlap ...ehem ompiser bank rakyat le nihh... |
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bank rakyat patut tukar nama ke bank kakitangan kerajaan/listed company....susah sgt nk wat financing dgn dia....dah 2 kali g discuss mintak financing still x dapat....
My financial experience: Penah wat financing dgn bank rakyat tahun 1994 utk tempoh 5 tahun masa keje com. lama...so tahun ni g tanya lagi nak wat overlap....tp dia kata buat financing baru dan bayar utk selesaikan financing lama....okay ler tp bila submit permohonan dia kata tak cukup syarat sbb com keje skrg tak listed....the tanya diia cmner nak listed compeni dlm cawangan tu...dia cakap staf at least 50 org, pndapatan tahunan at least 1 juta,nk profile company...so saya cakap my company staf 20 org tp income 1juta sbulan takkan tak boleh...
dia cakap tak boleh sbb itu ibupejabat tetapkan...takder tolak ansur betul....
bank2 lain plak smua nak monthly income 2K...atau monthly epf deduction rm220...mcm ni pun satu kes gak...bnk nk monthly 2K atau 24K annum...so saya cakap klu annual income saya >24K boleh ke tak sbb saya dapat 13 bulan gaji..dia ckp tetap tak boleh...bangang betul...waktu saya takder komitmen apapun...cuma ansurans pada bank rakyat tu jerk rm350 tanpa tunggakan atau black record......takder loan kereta, crdt card, loan rumah....itu pun takleh consider...
Kat atas tu satu luahan perasaan..... |
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Originally posted by norezlin at 22-8-2007 09:30 AM 
tp ada x bank yg buat cara bayaran balik laon bkn terus dr majikan...sbb kalo terus dr majikan nie leceh la...payslip kotor...ingat nak just byr cash kat counter jerk....
rhb 1% mothly atas baki harian...wlupun 1% mothly tp diakhir settlement ia spt 5.6% per annum....income 1500 pn dh boleh apply...tp limit tak pasti...cuma ni konvesional ler... |
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Reply #55 mytrade's post
kenapa harapkan bank rakyat jer... banyak lagi bank lain...
dah polisi dia camtu...
bank lain letak polisi gaji 2k ko tak marah lak ekekekek
eran aku dgn ko nie ler...
setiap bank ada polisi... cam bank rakyat mmg nak listed company aje...
tujuan dia nak kurangkan risiko loan tak berbayar... dan polisi sekarang nie mereka pikir agak selamat... memandangkan listed company tu leh buat potongan gaji terus dari majikan... |
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ambank...cubala..i leh rekomen member kat sana |
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mana loan yang tak potong gaji? kita byq sendiri?
for personal loan |
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Reply #80 nazadiyah's post
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Reply #57 kipas_y2k's post
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ala takkan polisi tu semata-mata potongan gaji terus majikan jer...klu majikan buat potongan pastu staf tu brenti keje...apa jaminan plak...majikan nak bayar jugak...apa yg aku mintak adalah pertimbangan...ada satu cawangan la aku g tanya..staf dia tanya aku nama company...bila aku bagitau dia caka apa kompeni ni...?aku tau la kompeni aku kecik tak listing kat BSKL..Aku tanya HR pun diaorang kata takder masalah nak watpotongan...tp staf caw tu saja malas nk layan....kalau aku ada black record takkan aku nk pegi mintak....payment aku pun tak penah sangkut sblm ni...naper aku consider bank rakyat sbb islamik financing..bank lain pun aku tanya gak BSN, bank islam....bank yg mintak monthly 2K pun sama gak aku tembak... |
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Category: Belia & Informasi
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Post time 22-8-2007 10:21 AM
