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pinjaman kereta kerajaan vs pinjaman bank..mana lebih baik?

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Post on 1-10-2010 09:21 AM |All posts

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salam..

nak minta pendapat warga bod ni pasai tajuk di atas...yang mana lebih baik antara pinjaman kenderaan kakitangan kerajaan dgn pinjaman bank dari segi interest...tempoh bayaran...urusan pembelian...dan lain2 yang berkaitan...

TQ
...a liar should have a good memory...
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Post on 1-10-2010 10:03 AM |All posts
pinjaman kerajaan selalunya potong gaji kan.....? jadi payslip jadi tak cantik... klu potong terlalu banyak nanti nak buat loan lain bermasalah gak kalu baki skit... cth loan umah... klu kita layak 200k tp payslip dah potong loan lain.... loan yg lepas nanti tak sampai 200k melainkan kita setle utang loan lain dulu....

dari segi urusan.. tempoh.. interest......  lebey kurang jer kot...
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Post on 1-10-2010 04:01 PM |All posts
siapa yg tahu ni~share sini~
ingin nak tahu apa bezanya dua pinjaman ni?
adakah interestnya lower siket?ada apa2 tawaran a?
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Post on 1-10-2010 05:48 PM |All posts
loan gov 4% baki berkurangan..loan bank memang le 3.XX% tapi takdak baki berkurangan..kesimpulannya, faedah gov loan lagi rendah dari bank loan..kalau tak silap haritu aku kira boleh jimat beberapa ribu utk loan saga aku..

loan gov aku haritu kena prepare dalam 10% gak cash sebab loan gov tak cover accessories pada kereta..so aku haritu kena byr dlm 3 ribu lebih kat dealer utk dptkan kereta dlm 41,498.00 punya kereta..bakinya baru loan gov cover..alaaa..kira sama mcm loan kereta bank biasa kena ada 10% gak kan..

aku kena bayar 519.41 utk saga yg harga 41,498.00 tu selama 7 tahun..cash aku byr berapa tak ingat 3,500.00 kot..kira loan gov 38k..so semua sekali 3,500 + (519.41 x 12 x 7) = 47,130.44..loan bank korang kira sendiri ek..hehe..wa tatau..

dari segi slip gaji yg tak cantik, aku tak kisah janji aku byr sikit..aku pun bukan nak buat loan apa2 dah lepas ni..setakat personal loan tu leh try bincang dgn bank officer utk daptkan nasihat..kalau tak layak, tak perlulah buat loan personal saja2 je buat tambah hutang..terutamanya hutang kad kredit...ya ampunn..aku dlam proses men'zero'kan hutang kad kredit..cuma tak tahan bila ada promosi, promosi yg boleh aku jimat sebab selalu harganya mahal..adehh..pening den..sori off topic..hehe..
Guna logo Tayar Falken..Rangkaian bengkel di Ipoh..Bahaya...
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Post on 1-10-2010 06:03 PM |All posts
Post Last Edit by pelitaHatiku at 1-10-2010 18:05

Reply 4# abas8888

try kira ngan autoworld tadi utk kereta yg sama monthly= 579.02

* dgn kadar purata 4.0% interest, 3.5k d/pmnt
...a liar should have a good memory...
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Post on 1-10-2010 06:16 PM |All posts
pinjaman kerajaan selalunya potong gaji kan.....? jadi payslip jadi tak cantik... klu potong terlalu ...
cmf_rambutan Post at 1-10-2010 10:03



pihak bank ada link dgn semua loan berdaftar yg peminjam buat ...w/pun dlm payslip tak tulis ape2 potongan tp kalu ada amik loan, bank akan tau gak. Sekaligus mempengaruhi jumlah pinjaman & bayaran bulanan tu
.
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Post on 31-1-2011 03:50 PM |All posts
aku call bendahari dulu baru leh tau jawapan ko tu....sbb aku pun ingat nk pinjam loan krjn...sbb katanya walaupun 4% tp lebih murah because dia tak kira permonth.. tp kira tahun.mmg murahkan..sbg kakitangan awam..baik gunakan kemudahan pinjaman yg ada hehe...
mulakan dengan bismillah..
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Post on 31-1-2011 04:33 PM |All posts
pinjaman kerajaan selalunya potong gaji kan.....? jadi payslip jadi tak cantik... klu potong terlalu ...
cmf_rambutan Post at 1-10-2010 10:03



    kalau payslip gaji bersih RM10k lepas potong EPF bagai, cantikkan... buat loan..

sampai kat bank, haku check CCRIS, semua info hutang kuar..

credit card - MBB RM16,483.45
credit card - BIMB RM6,483.71
personal Loan - Bank Rakyat RM45,000.00
hire purchase - RHB  RM135,412.46


perghh.. terus haku cantas.. wakakakka..
ape kena lar super mod giler kuasa nieh, kejap jadik Son of Odin, kejap jadik amazed.. lepas nie ntah jadik aper..miahahha
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Post on 31-1-2011 05:13 PM |All posts
Reply 8# Fast-N-Furious

besar periuk besar keraknya...
Pahit Akan Manis Akhirnya - GGH 019
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Post on 2-2-2011 09:25 AM |All posts
kalau pinjaman kete kjaan ni, akan effect masa nak wat loan beli rumah(pinjaman umah)... biasanya akan rugi kat situ... pengiraan terperinci tak tau sgt... tapi rugi sktlah...

so, kalau blh beli umah ngan gov loan dulu, baru beli kete ngan gov loan...
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Post on 2-2-2011 05:09 PM |All posts
kalau payslip gaji bersih RM10k lepas potong EPF bagai, cantikkan... buat loan..

sampai ...
Fast-N-Furious Post at 31-1-2011 16:33


korang tanya ke kat owner bank nih.. sumer pasal utang dia bleyy jwb...
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Post on 3-2-2011 07:41 AM |All posts
pinjaman kerajaan selalunya potong gaji kan.....? jadi payslip jadi tak cantik... klu potong terlalu ...
cmf_rambutan Post at 1-10-2010 10:03
cantek atau tak...sama ajer...kalo dia amik loan bank...payah jugak nak amik loan gomen....coz diorang dah tahu takat mana liabiliti kiter...nak approve bukannya sekejap...berbulan2 lamanya...tgk kenderaan nak beli apa...kalo takat keta murah2...bolehlaa dia amik loan kedua2nya rumah dan keta...org suka amik loan gomen..coz dah terikat dgn gomen...kalo bank leh main tarik tali lagi ...skip sebulan tak byr ke...byr sket ke...
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Post on 3-2-2011 07:50 AM |All posts
kalau pinjaman kete kjaan ni, akan effect masa nak wat loan beli rumah(pinjaman umah)... biasanya ak ...
cik_lin Post at 2-2-2011 09:25
Macam mana nak buat loan keta...kalo loan rumah dah cecah maksimum
biasanya...diorang dah kira siap2 utk satu pecahan...loan keta budget nih..loan rumah budget nih...dlm satu gaji...
mana2 dulu pun boleh...kalo nak beli keta mahal2..lebihan harga yg ditetapkan kena tambah sundriklah...
cuma susah nak cover belanja yg lain2 laa kot...anak ke...shopping ke...simpanan ke ...biasanya org amik loan rumah bila diorang berada dlm gred zone yg selesa...
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Post on 3-2-2011 11:35 AM |All posts
bila i dah besar nnt i pn nak beli keta besar yg laju
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Post on 10-2-2011 04:14 PM |All posts
kalau pinjaman kete kjaan ni, akan effect masa nak wat loan beli rumah(pinjaman umah)... biasanya ak ...
cik_lin Post at 2-2-2011 09:25


aku rasa statement ni tak berapa betul le bro...tp...kalau gaji ko lepas potong segala bagai tinggal 40% (termasuk bayar umah)..mmg sakit lee nak wat loan keter...
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Post on 11-2-2011 10:00 AM |All posts
aku beli wira , loan gomen tahun 2002
full aksesori pun boleh jerk, cuma aku layak loan gomen 45k sahaja
time tuh wira aku 46k++,
aku wat loan 44k
int 4% flat
inv slip gaji

now aku beli honda city bank loan
int 2.7
loan 73k
bayo kat bank sendiri maaaaaa
x kaco slip gaji
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Post on 15-2-2011 06:39 PM |All posts
korang....aku dah setel borang2 sumer...ambik loan gomen...kalo kira balik dapat le beza lebih kurang 6k...boleh guna dua link ni utk kira...

http://www.autoworld.com.my/v2/tools/loan_payment.asp
http://app.mohe.gov.my/biaya/index.php?page=about

kalo takleh bukak ebiaya yg gomen tuh...try g website moe...
...a liar should have a good memory...
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Post on 16-2-2011 12:16 PM |All posts
salam..

nak minta pendapat warga bod ni pasai tajuk di atas...yang mana lebih baik antara pinjama ...
pelitaHatiku Post at 1-10-2010 09:21



    Untung lagi guna gov loan.. walau dia 4% interest.. tapi 4% int. pada baki berkurang.. purata lebih kurang 2.2%.. mana bank yang ada offer semurah ni.. kecuali kereta kontinental..
Ada berani nak fitnah aku?.. aku heret kau ke mahkamah.. jangan main2 aaaa..
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