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AsiaMan 26-12-2019 11:38 AM

Buat loan utk buka business
 
Hi geng! Aku plan mcm nak buka cyber cafe. Sbb dekat area rumah aku ni ramai gak ah budak sekolah and student cakap takda tempat like untuk diorang nak cari bahan assignment and all. Maklumlah aku stay dekat area Perak. Kawasan aku ni kampung sikit haha. So aku minat nak buka cyber cafe dkt area sini biar anak anak muda senang nak belajar and cari bahan yg perlu. Masalah dia skrg modal aku tak banyak sgt so plan nak buat loan dulu je. Korang ada suggestion tak loan apa yg aku patut guna?

WanAzrai 30-12-2019 05:47 PM

uish sedihnya takda cyber cafe sana huhu. Aku stay area rembau kampung pun ada wei hahaha. Cari yg kerajaan punya loan lah boleh caya sikit

WanAzrai 30-12-2019 05:49 PM

boleh try survey dulu boss. Skrg ni bank banyak dah pilihan loan yg diorang buat. Kena study gak benda ni sbb bukan benda kecik tau nk buat loan

WanAzrai 31-12-2019 11:37 AM

Quote:

Originally Posted by AsiaMan (Post 17478)
Hi geng! Aku plan mcm nak buka cyber cafe. Sbb dekat area rumah aku ni ramai gak ah budak sekolah and student cakap takda tempat like untuk diorang nak cari bahan assignment and all. Maklumlah aku stay dekat area Perak. Kawasan aku ni kampung sikit haha. So aku minat nak buka cyber cafe dkt area sini biar anak anak muda senang nak belajar and cari bahan yg perlu. Masalah dia skrg modal aku tak banyak sgt so plan nak buat loan dulu je. Korang ada suggestion tak loan apa yg aku patut guna?

Aku ada jumpa loan company ni mmg khas untuk peniaga kecil and sederhana. Dia punya loan pun pantas dalam masa 24 jam dah lulus. Tp tak tahu lah boleh caya ke tak, pape boleh refer link ni https://quickloanmalaysia.com/ms/pin...rniagaan_pks/?

Legentram 03-01-2020 09:51 AM

Satu loan yang aku boleh suggest yayasan ihsan rakyat sbb tgh guna loan ni sekarang...

Legentram 03-01-2020 09:53 AM

Quote:

Originally Posted by WanAzrai (Post 17545)
uish sedihnya takda cyber cafe sana huhu. Aku stay area rembau kampung pun ada wei hahaha. Cari yg kerajaan punya loan lah boleh caya sikit

Mmg kawasan kampung susah nak cari cc tmpt aku belajar dulu pekan pon takde cc... harapkan pergi library je, tu pun kadang2 tutup... susah nak buat keje.

Legentram 03-01-2020 09:56 AM

Quote:

Originally Posted by WanAzrai (Post 17546)
boleh try survey dulu boss. Skrg ni bank banyak dah pilihan loan yg diorang buat. Kena study gak benda ni sbb bukan benda kecik tau nk buat loan

Mmg byk mcm2 loan tapi lepas tak lepas tu lah masalahnya... klu loan yayasan senang skit.

Legentram 03-01-2020 09:57 AM

Quote:

Originally Posted by WanAzrai (Post 17549)
Aku ada jumpa loan company ni mmg khas untuk peniaga kecil and sederhana. Dia punya loan pun pantas dalam masa 24 jam dah lulus. Tp tak tahu lah boleh caya ke tak, pape boleh refer link ni https://quickloanmalaysia.com/ms/pin...rniagaan_pks/?

Byk info takde la kat website dia mcm interest rate semua, hati2. Ni bukan syariah loan ni.

WanAzrai 03-01-2020 11:45 AM

Quote:

Originally Posted by Legentram (Post 17572)
Satu loan yang aku boleh suggest yayasan ihsan rakyat sbb tgh guna loan ni sekarang...

Apa yg special?

WanAzrai 03-01-2020 11:47 AM

Quote:

Originally Posted by Legentram (Post 17573)
Mmg kawasan kampung susah nak cari cc tmpt aku belajar dulu pekan pon takde cc... harapkan pergi library je, tu pun kadang2 tutup... susah nak buat keje.

biasa ah kawasan kampung kot. Maybe ada lah dlm satu dua. Kalau area tu ada universiti or college baru akan ada banyak cyber cafe

WanAzrai 03-01-2020 11:47 AM

Quote:

Originally Posted by Legentram (Post 17574)
Mmg byk mcm2 loan tapi lepas tak lepas tu lah masalahnya... klu loan yayasan senang skit.

Ni mesti ander goverment kan? sbb selalu nama yayasan ni kerajaan punya eh yeke? hahahahaha

WanAzrai 03-01-2020 11:48 AM

Quote:

Originally Posted by Legentram (Post 17575)
Byk info takde la kat website dia mcm interest rate semua, hati2. Ni bukan syariah loan ni.

Apa pula beza syariah dgn yg lain? Selalu saya tgk interest rate rendah saya ambik je

Legentram 03-01-2020 05:02 PM

Quote:

Originally Posted by WanAzrai (Post 17578)
Apa yg special?

Banding ngn loan lain profit rate dia rendah, blacklist pun boleh lepas. mcm aku dulu pinjam RM38,500 sbb nak berniaga burger. Beli van and barang barang semua lah. Dia punya profit rate 7.99% je tau. total aku kena bayar balik termasuk profit RM69,261.50

Legentram 03-01-2020 05:04 PM

Quote:

Originally Posted by WanAzrai (Post 17579)
biasa ah kawasan kampung kot. Maybe ada lah dlm satu dua. Kalau area tu ada universiti or college baru akan ada banyak cyber cafe

Tak jugak area kawasan kadang takde jugak, tu yg mencari sampai pekan tuu, klu kawasan2 camni mmg best la buat cc, mesti ramai yg pergi.

Legentram 03-01-2020 05:05 PM

Quote:

Originally Posted by WanAzrai (Post 17580)
Ni mesti ander goverment kan? sbb selalu nama yayasan ni kerajaan punya eh yeke? hahahahaha

ye, yg ni loan dia utk staff kerajaan n badan berkanun terpilih je.. boleh tgk website dia yir.com.my/

Legentram 03-01-2020 05:07 PM

Quote:

Originally Posted by WanAzrai (Post 17581)
Apa pula beza syariah dgn yg lain? Selalu saya tgk interest rate rendah saya ambik je

Syariah compliant ni profit rate dia fixed tak de turun naik, n dia ade procedure akad yg mana officer akan terangkan balik agreement n peminjam kena sebut ya klu setuju.

Legentram 03-01-2020 05:08 PM

Quote:

Originally Posted by WanAzrai (Post 17581)
Apa pula beza syariah dgn yg lain? Selalu saya tgk interest rate rendah saya ambik je

Profit rate dia mmg rendah dalam 6.5% ke 9.99% je. Ikut pada peminjam punya kredit score n financial profile, tapi mostly kwn2 aku pun dpt dlam 8% kebawah.

WanAzrai 06-01-2020 09:38 AM

Quote:

Originally Posted by Legentram (Post 17589)
Banding ngn loan lain profit rate dia rendah, blacklist pun boleh lepas.

gila ah record tak cantik kena blacklist pun boleh lepas ya? Kalau apply dkt bank mcm ni auto 100% kena reject hahaha

WanAzrai 06-01-2020 09:38 AM

Quote:

Originally Posted by Legentram (Post 17590)
Tak jugak area kawasan kadang takde jugak, tu yg mencari sampai pekan tuu, klu kawasan2 camni mmg best la buat cc, mesti ramai yg pergi.

Tp lagi ramai budak yg main game dari buat kerja hahaha tu bahaya kena pantau sikit

WanAzrai 06-01-2020 09:40 AM

Quote:

Originally Posted by Legentram (Post 17591)
ye, yg ni loan dia utk staff kerajaan n badan berkanun terpilih je.. boleh tgk website dia yir.com.my/

alamak susah gak kalau dia kasi utk staff kerajaan je. Yg untuk private company takda ke jenis loan yg mcm ni? Mudah & pantas...

WanAzrai 06-01-2020 09:43 AM

Quote:

Originally Posted by Legentram (Post 17592)
Syariah compliant ni profit rate dia fixed tak de turun naik, n dia ade procedure akad yg mana officer akan terangkan balik agreement n peminjam kena sebut ya klu setuju.

kalau bank dia punya rate tak sama tiap bulan. So susah gak nak control money flow. mcm proses akad tu ada bukti record conversation ke? At least apa apa senang kalau ada masalah

WanAzrai 06-01-2020 09:44 AM

Quote:

Originally Posted by Legentram (Post 17593)
Profit rate dia mmg rendah dalam 6.5% ke 9.99% je. Ikut pada peminjam punya kredit score n financial profile, tapi mostly kwn2 aku pun dpt dlam 8% kebawah.

rendah juga rate company ni. Saya tgk kalau bank punya rate selalu paling busuk pun 8% ke atas

Legentram 06-01-2020 10:43 AM

Quote:

Originally Posted by WanAzrai (Post 17621)
gila ah record tak cantik kena blacklist pun boleh lepas ya? Kalau apply dkt bank mcm ni auto 100% kena reject hahaha

Boleh, even high komitmen pun lepas tapi dia ada credit scoring dia jugak.

Legentram 06-01-2020 10:45 AM

Quote:

Originally Posted by WanAzrai (Post 17622)
Tp lagi ramai budak yg main game dari buat kerja hahaha tu bahaya kena pantau sikit

Tu lantak diorg la duit dorg, yg penting jgn buat benda bukan2.

Legentram 06-01-2020 10:48 AM

Quote:

Originally Posted by WanAzrai (Post 17623)
alamak susah gak kalau dia kasi utk staff kerajaan je. Yg untuk private company takda ke jenis loan yg mcm ni? Mudah & pantas...

Yang private staff tak tau la loan apa, mungkin boleh tukar kerja kerajaan pulak lepas ni :D . Loan dia mmg sesuai klu emergency mcm utk medical ke sbb 2 hari je dah boleh lulus. kawan saya buat loan utk emergency anak dia. Total pinjam RM32,500 and dia punya profit rate 7.99%. tempoh byr 10 tahun. total kena bayar balik semua RM58,467.50

Legentram 06-01-2020 10:51 AM

Quote:

Originally Posted by WanAzrai (Post 17624)
kalau bank dia punya rate tak sama tiap bulan. So susah gak nak control money flow. mcm proses akad tu ada bukti record conversation ke? At least apa apa senang kalau ada masalah

Bank pun ade yg syariah loan jugak. Tapi susah nak dapat. Yang akad tu mmg dia akan rekod utk rujukan.


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