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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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