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For me, I would say Variable rate is much better since we could reduce loan period and total
payment for interest.
Then in Variable interest, we have Daily rest and Monthly rest that mostly used now.
From this two, which one is better?
Daily rest
Interest will be calculated based on the previous day’s outstanding balance. The advantage
for daily rest is that you have a chance to save more if you like to make lots of pre-payments
on top of your regular instalments.
Monthly rest
Your loan interest for the current month will be calculated based on the previous month’s
outstanding balance.
If your monthly installment is $644, for Daily rest, paid for principal(pokok) is $150.85,
while with Monthly rest, you paid $144. This means, with Daily rest, you’re paying more on
your principal. This is how you can settle your loan early.
Hope you guys are clear now which interest rate you should looking for when applying loan.
http://www.carigold.com/portal/forums/showthread.php?t=60493&page=10
Quote:
saya dlm proses apply loan al-rajhi..rate skrg BFR - 2.2%..pastu yg bestnya loan ni islamik n
ada promo zero entry cost..in terms of service x berani nak komen lagik sebab sumer sdg
dalam proses..hopefully sumer ok la..
I baru ambil loan Standard Chartered. BLR - 1.9%, dalam 3.9% la kira. Zero entry
cost, maksudnya kos guaman dan stamping percuma.
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1. g bank
-bg maklumat lengkap hartanah
-bgtau niat nk beli rumah tu or refinance
4. g tanye jiran sekitar hartanah yg rumahnya lebih kurang sama brape diaorg
beli rumah n tahun bile
1: lokasi
2: keluasan
3: status(pertanian,kediaman,perdagangan,industi)
4: pegangan (pajakan,kekal)
5: syarat nyata(cth:tanah rizab melayu)
6: apa ada atas tanah (cth:rumah,pokok getah,kelapa sawit,belukar,)
7: bebanan (kaveat,cagaran)
8: zonning(perancang bandar)
9: kepadatan penduduk
10:senang cte bawak je 1 salinan geran hakmilik tu ke bank.hehe. sume
maklumat dlm hakmilik tu diperlukan.
11.kalau ade bangunan atas tanah maklumat tambahan turut diperlukan.
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aku pun baru jer dalam proses beli rumah ke2 aku di kl.
rumah flat aku lar dia jual dalam 84k.
1- tengok market value? = 90k
2- bayar diposit = 5%, rm 4.2k
3- apply loan = 90k (kira makeup la sikit)
4- dapat LO = ni aku tengah tunggu
5- buat S&P = ni pun aku x buat lg??
6- berlakulah proses apa2 entah la dalam 3bln (kena tanya orang pengalaman
lar)
7- bank bagi duit dekat lowyer
8- lowyer bg duit dekat penjual
9- lebihan bagi dekat aku, tu pun kalau ada
10- penjual bagi kunci @ tranfer jer diposit sewa rumah dekat aku "tu pun kalau
penyewa dah ada la"
11- rumah ni memang milik kita lar sekarang..
betul ker ni apa yang aku mengarut??
1. pi visit mana2x branch BR. Biasa nyer week 3, aka 20hb-25hb dia wat lelongan. Diffnt
branch, diff timing
3. Amik borang dari customer service. Isi form tu, letak reference, and put the reserve price.
Then bayar RM5/- untuk each bidding.
Format isian can refer to the customer service. The detail list ada terpampang kat notice
board, dekat pameran barang2x kemas tu.
4. Bayar kat kaunter, nanti dia bagi balik borang berserta bank in slip yg di staple
7. Datang Bank, deposit la duit, angkat emas tu. Insist for cert if possible
Sekian, enjoice..
http://www.carigold.com/portal/forums/showthread.php?p=6938566