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31 Oct 2007, 10:39 pm
adzimi
I would say in the long run, fixed rate is the middle path, it wont necessary be the best, but its the least risk and gives you peace of mind. In terms of conventional loan, true, blr has risen over the years, but banks are also adjusting to ensure the
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31 Oct 2007, 10:38 pm
adzimi
Harris, thats my point exactly, because of all factoring in, it becomes more expensive than what it should be. In terms of fixed rate tu, there are pros and cons. For me, i have reasons why i didnt go for fixed rate as i want flexibility.
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31 Oct 2007, 10:24 pm
harris
ISLAMIC financing (in lay mens term), have to borrow money from CONVENTIONAL due to lack of fund. 2ndly, islamic financing dont have COMPOUND INTEREST (intergral part of conventional finance) so BANKS have to factor in the OPPORTUNITY COST LOSS.
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31 Oct 2007, 10:20 pm
harris
is ISLAMIC loan more expensive than CONVENTIONAL? hmmm there are many scenario's. what ever the loan rates are, it depends on the COST OF FUND. sometimes, islamic fund suffers from higher cost due to LACK of ISLAMIC deposits / fund available.
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31 Oct 2007, 10:18 pm
harris
in 3 years, we have seen BLR moves from 6 to 6.75. Due to ever changing money market environment, u shld expect a very volatile rates within this 3 - 5 years.... so find the best FIXED RATES that you possibly can.
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31 Oct 2007, 10:13 pm
harris
a misconception = ISLAMIC LOAN more expensive than CONVENTIONAL LOAN
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31 Oct 2007, 10:13 pm
syahiid
aku rasa diorang design atm tu tuk spec org kuwait kut. so klu org malaysia g sana mmg susah kut nak kuar duit,, cian mat yie. :P
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31 Oct 2007, 9:44 pm
naz
mat yie, aku nak tergelak je tgk gambar atm machine tu. kenapa tinggi sgt? ada ke org ambik duit kat situ.
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31 Oct 2007, 9:39 pm
web mod
bank rakyat more lenient to govt servant sbbnya byk penipuan. so kalau korang kerja gomen or spouse kerja gomen bleh la apply...
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31 Oct 2007, 9:03 pm
Smiling MY
Even u pay same amount, but u gain in term of money depreciation. But we have to bear in mind, it's NOT a discount! Cos our need after 10 yr wut b bigger than 20% (child/car/etc), but normally the income also go along with our age?  |
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31 Oct 2007, 8:56 pm
Smiling MY
Sorry... -20%, then -10%, then 0%, then +10%, then +20%. It means if u take 25 yr loan with 1k/month installment, u'll pay 0.8k for 1st 5 yr, then 0.9k for 6-10th yr, then 1k, so on so forth.
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31 Oct 2007, 8:52 pm
Smiling MY
Regarding bank loan, I think "manzili 2" of Bank Rakyat is the best for fixed interest. It divides ur loan into 5 terms, giving -10% of ur actual installment for 1st term. Subsequent payment increase 10%/term.
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31 Oct 2007, 8:33 pm
Smiling MY
Aini.. U r rite. Aku tak rasa dia boleh widen jln tu sbb rail komuter kat atas tu, unless kena tutup utk at least 12 bln. Tp personally aku rasa I&P takkan buat sbb bkn tanah dia kat situ. Rasanya ia kan jd bottleneck spt jln UK Perdana.
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31 Oct 2007, 7:58 pm
syahiid
adzimi, bila aku nak beli rumah aku akan get ur consultancy. tq in advance.
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31 Oct 2007, 7:36 pm
naz
adzimi, kota kemuning 233 landed or high rise?
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31 Oct 2007, 7:13 pm
adzimi
cam besttt je nak duduk sana, ala2 resort. Power of marketing  . |
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31 Oct 2007, 7:12 pm
adzimi
Hari tu nampak ad for Twin Palms in Sg Long, selling for around 500K! Sg Long tu seingat aku dalam 3 4 years ago, orang tak nak duduk sana, my friend bought a house there and its been abandoned for years sbb takde orang nak masuk. Now after rebrand, rasa
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31 Oct 2007, 7:11 pm
adzimi
Nowadays the power of marketing, developer comes out with so many fancy names and re-brand the area, nampak cam best sgt nak duduk sana. Alam Sari nyer concept ni kinda reminds me of Alam Impian (also by I&P) in Shah Alam/Klang.
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31 Oct 2007, 7:06 pm
adzimi
the area would be more crowded than usual + lots of apartments around. Tapi from investment point of view, close to LRT is good, better potential to rent out if need to.
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31 Oct 2007, 7:05 pm
adzimi
Bangi is far, but not everybody thinks so, sebab Bangi ikut highway ke KL dekat. So when its choosing where to live, there's lots of factors to consider. Good for one person does not mean good for others. Personally i dont like to stay near LRT, sebab
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