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Old 03-01-2020, 05:07 PM   #16
Legentram
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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.
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Old 03-01-2020, 05:08 PM   #17
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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.
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Old 06-01-2020, 09:38 AM   #18
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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
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Old 06-01-2020, 09:38 AM   #19
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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
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Old 06-01-2020, 09:40 AM   #20
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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...
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Old 06-01-2020, 09:43 AM   #21
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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
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Old 06-01-2020, 09:44 AM   #22
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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
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Old 06-01-2020, 10:43 AM   #23
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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.
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Old 06-01-2020, 10:45 AM   #24
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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.
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Old 06-01-2020, 10:48 AM   #25
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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 . 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

Last edited by Legentram; 06-01-2020 at 03:03 PM..
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Old 06-01-2020, 10:51 AM   #26
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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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