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Personal loan..

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Post time 21-1-2019 10:08 AM From the mobile phone | Show all posts |Read mode
Salam.. Sy nak tanya pendapat/nasihat pd forumer dlm ni.terima kasih.

Sy ada buat personal loan dgn cimb bln 11 tahun lps. Tp bila nak byr semua. Cimb suruh mohon, bila dh mohon dlm seminggu akn htr surat. Sampai skrg dh sebulan  xdpt surat. Bila p bank, pihak bank kta bayar jumlah yg nyata dulu. Sy nk settle semua senang. Apa patut sy buat?.
P/s;First time buat personal loan.
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Post time 23-1-2019 04:27 PM | Show all posts
Edited by tanak-balik at 23-1-2019 04:28 PM

mmg ken tgu bank kuarkan "redemption statement" dlu baru bole p bank bayar habis..follow up sampai pecah tipon selagi tak dapt
kena check loan personal tu ade ade lock in period ke x atau penalty charges kalau nak buat early settlement.

So, buat masa ni, bayar bulanan macam biasa dlu, sambil tu call customer service die follow up redemption statement tu.
Jangan lupa lepas bayar habis, amik resit and mintak release letter lepas smgu habis bayaran sbb kalau akan dtg kalau pihak bank kata x abis byr lg..tjk die release letter.

Harap membantu. Thanks.
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Post time 23-1-2019 04:38 PM From the mobile phone | Show all posts
Kena selalu buat follow up dan pegi bank
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Post time 24-1-2019 09:31 AM | Show all posts
baru buat mmg dia payah nak bgi settled semua....

cuba check kang kot ada kena penalty...sbb maybe ada locking period...

aku pernah buat....kena tambah rm6k lebih daripada baki statement bila lepas dapat surat apa entah derang panggil....dah la nak surat tu aku kena bayar rm50....
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Post time 24-1-2019 10:35 AM | Show all posts
Kita senang je sebab duit yang dia nak ambik tu datangnya dari akaun yang dia hirup tiap tiap bulan. So Campak kan je amount yang nak disettlekan dalam akaun tu, lepas tu tiap tiap hari kasi telepon dia punya cust care sampai lah kita dapat apa yang kita nak. Diaorang ni kekadang lupa nak follow up. Kekadang key in dalam system tapi system tak update kat Main centre. Tak perlu marah marah bila call, just buat follow up je. Kata orang mengingatkan je.
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 Author| Post time 24-1-2019 01:30 PM From the mobile phone | Show all posts
Terima kasih semua ats maklum balas..
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 Author| Post time 24-1-2019 06:42 PM | Show all posts
tanak-balik replied at 23-1-2019 04:27 PM
mmg ken tgu bank kuarkan "redemption statement" dlu baru bole p bank bayar habis..follow up sampai p ...

terima kasih..
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 Author| Post time 24-1-2019 06:43 PM | Show all posts
kaseh80 replied at 23-1-2019 04:38 PM
Kena selalu buat follow up dan pegi bank

Tq
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 Author| Post time 24-1-2019 06:49 PM | Show all posts
seri_mawr replied at 24-1-2019 09:31 AM
baru buat mmg dia payah nak bgi settled semua....

cuba check kang kot ada kena penalty...sbb mayb ...

mesti akan ada penalty.. tapi x kisah as long as dapat bayar semua.
pihak cimb mcm susah benor nk bgtau hal sebenar, member ada buat loan rhb bank,dia pn kes sama,tp pihak rhb kata tempoh utk bayar semua sekurang2nya selepas 6 bulan tempoh pinjaman. ok gak la.. at least dia x tertanya/tertunggu.

terima kasih,ats komen/nasihat.

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 Author| Post time 24-1-2019 06:54 PM | Show all posts
twinbeeboo replied at 24-1-2019 10:35 AM
Kita senang je sebab duit yang dia nak ambik tu datangnya dari akaun yang dia hirup tiap tiap bulan. ...

betul, sy bayar ja semua yg di nyatakan & hari2 call..nasib diri ni bukan suka nk marah2.terima kasih.
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Post time 25-1-2019 10:37 PM | Show all posts
tanak-balik replied at 23-1-2019 04:27 PM
mmg ken tgu bank kuarkan "redemption statement" dlu baru bole p bank bayar habis..follow up sampai p ...

bayar lambat ...kena interest
bayar semua...kena penalty
adoii..hahaha. sumpah aku baru tau bayar semua kena penalty. kalau mcm tu, baik letak je duit jumlah baki loan yg tinggal, kat saving akaun dari bank yg sama...pastu tarik dari situ. biar diorg tarik je sampai habis.
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Post time 28-1-2019 12:47 PM | Show all posts
Edited by tanak-balik at 29-1-2019 09:11 AM
LuLu^Lost replied at 25-1-2019 10:37 PM
bayar lambat ...kena interest
bayar semua...kena penalty
adoii..hahaha. sumpah aku baru tau baya ...

huhu..begitu la kalau minjam dgn bank..
selalunya kalau personal loan, locked in period 6 bln atau penalty 2-5% daripada loan balance kalau nak buat early settlement.

Kalau ade xtra cash tu xyh la buh semua dlm tu..interest loan takkan reduce pun unless interest rumah yg flexi atau semi-flexi interest rest.
daripada buh dlm akaun loan nak suh die tarik sesikit baiklah uols buh dlm asb ke..atlease minimize sikit interest tu drp rugi trs sbb uols ade cash.

Kalau nk citer bab financial ni byk..kena tuntut la ilmu sesikit utk kehidupan and manage losses..
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Post time 28-1-2019 12:59 PM From the mobile phone | Show all posts
tanak-balik replied at 28-1-2019 12:47 PM
huhu..begitu la kalau minjam dgn bank..
selalunya kalau personal loan, locked in period 6 bln ata ...

Bukan akaun loan. Tapi akaun saving. Contohnya... beli rumah kat 1 bank ni. Sebelum ni mmg xde akaun langsung kat bank tu. Tau2..loan lulus..maka ada la akaun loan dan automatically diorg buat terus akaun saving, padahal xminta pun. Sebelum ni beli kereta kat bank unta, xde pun bank tu buat saving akaun. Ada loan je. Tp bank ni pelik. Hehe(Akaun loan + akaun saving dari bank yg sama)

So kalau aku letak dlm akaun saving bank tu sama gak ke?

Actually letak asb antara yg terbaik juga. Cuma aku malas nak keluar masuk bank tiap2 bulan.
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Post time 2-2-2019 11:12 PM From the mobile phone | Show all posts
Dah settle Lum
Maybank senang ke susah wat early settlement
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 Author| Post time 3-2-2019 04:47 PM From the mobile phone | Show all posts
Kena selalu follow up...
X settle lg
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 Author| Post time 3-2-2019 04:48 PM From the mobile phone | Show all posts
tanak-balik replied at 28-1-2019 12:47 PM
huhu..begitu la kalau minjam dgn bank..
selalunya kalau personal loan, locked in period 6 bln ata ...

Noted.. Tq
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Post time 4-2-2019 10:12 AM | Show all posts
lamanya loan u sampai 11 tahun dah bayar..
berapa lama loan u amik?
i cimb gak 3 tahun pun rasa seksa..
selalu bayar lebih..
pastu last month tengok tinggal talk sampai rm500..
so call bank dia suruh amik redemption statement..
baru pi last week..
dia kata tunggu 2 minggu..
ikutkan loan habis bayar bln 6 tahun ni..
so cepat 4 5 bulan tak apa kan klu nak settle?
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Post time 4-2-2019 11:16 AM | Show all posts
LuLu^Lost replied at 28-1-2019 12:59 PM
Bukan akaun loan. Tapi akaun saving. Contohnya... beli rumah kat 1 bank ni. Sebelum ni mmg xde aka ...

u..kalau loan rumah biasanya bank akan reduce loan amount masa charge interest tu..
Nnti u check ngn bank balik lg sng..

Kalau untuk personal loan yg fixed rate interest..kalau buh sume cash dlm tu tu tetap dorg charge sama rate unless u buat full settlement baru ade discount /penalty bergantung pada bank tu.
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Post time 14-2-2019 10:00 AM From the mobile phone | Show all posts
korang buat lersonal loan ni utk apa?

tak reti manage kewangan ke apa?

korang beli apa nak berloan personal bagai?
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 Author| Post time 17-7-2019 04:02 PM | Show all posts
prettyuglybabe replied at 4-2-2019 10:12 AM
lamanya loan u sampai 11 tahun dah bayar..
berapa lama loan u amik?
i cimb gak 3 tahun pun rasa se ...

maksud sy bulan 11 ambil loan ,bukan 11 tahun buat loan..hoho penat 11 tahun.
semua dh settle.
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