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5:19 pm
13 October 2008
Offline
Salam.. betul ape yg korang kira tu.. sorrylah tersalah type ;-) Nak edit tak boleh dah tu…
"OD against FD" pun ada jugak yg diamalkan oleh setengah2 Bank: ie Affin (BLR+2.5%), & Hong Leong Bank (BLR+1%)
Thx to dynn. Aku pun baru tau ttg Maybank OD Islamic tu. Aku tak check lak Maybank haritu ingatkan takde ;-)
Rate=BLR+0% ye. CUma processing mahal sikit 250.
Then mmg leh beat RHB & CIMB le Maybenk nye OD ni… Islamic pulak tu. (Walaupun dia based on ASB yg tak brp Islamic) ;-)
Anyway, ada jugak yg tak bersetuju gunakan hutang ni utk pelaburan. But there's Good Debt & Bad Debt. Jangan tersilap langkah, udah la ye. Kena disiplin mcm paksyed ckp kat atas tu ;-)
Yang penting, kalau kita pandai guna, kita leh minimizekan interest yg dicaj ke atas kita, dan kita jugak yg untung in the end.
P/S: Aku sendiri pun belum apply OD ni. CUme research2 around. Hopefully betul la apa aku cite ni. Kalau salah tolong jolokkan. Aku plan guna OD ni utk cover loan motor dan buat modal masuk rumah baru.. Tu je. hehehe… Takdela burn terus duit ASB 'bini' aku nnt tu;-)
5:28 pm
penggunaan OD nie bergantung kepada masing2 punya matlamat..apa yg ditekan semasa belajar OD ni adalah penggunaan jangka panjang..bermakna keuntungannya juga jangka panjang..ini bergantung juga kepada cash flow masing2…lain org lain cash flow dan lain juga matlamatnya..skurng2nya cash flow = 0…kalau +ve lagi cantik lagi banyak menyimpan.
ada org buat OD untuk settlekan hutang disamping menyimpan sikit2…ade yg menggunakan OD sebagai batu loncatan untuk pecutan yg lebih laju untuk mengumpul kekayaan…jadi ape yg penting kena ada longterm planning dan matlamat yg jelas.
ape2 hal study cara penggunaan yg betul kemudahan OD nie..sebab takut2 terjerut diri kalau takde displin dan matlamat jelas.
saya baru jer apply dan baru jer approve…tapi modal permulaan sikit jer…just nak dapatkan feel penggunaan OD nie..kalau dah expert baru la buat pecutan yg lebih laju.
5:31 pm
13 October 2008
Offline
Thx for the advice dynn.
Hang buat kat Bank mana?
5:34 pm
saya buat dekat maybank – OD dalam perbankan Islamik ni dia panggil Cash Line Facility-i.
5:45 pm
13 October 2008
Offline
Yang ni ye bro
Murabahah Cash Line Facility-i
Takleh tunjuk link pulak sbb m2u baru skg dlm FRAME. Hampes..
Features
- Based on the principle of Murabahah (sale and purchase contract)
- No commitment fee on unutilised amount
- Maximum financing period for particular ceiling rate is 5 years. Profit rate will be subject to periodical review
- Profit rate is at par with the Conventional OD rate
- Protection against rise in BLR by a fixed ceiling rate
- Third party financing is allowed
Scope
- For working capital requirements
- For personal consumption
- For purchase of assets/properties
Who can apply
- Muslim and non-Muslim individuals or joint account holders
- Companies incorporated under the Companies Act
7:11 pm
11 October 2008
Offline
sothye said:
Salam.. betul ape yg korang kira tu.. sorrylah tersalah type
Nak edit tak boleh dah tu…
“OD against FD” pun ada jugak yg diamalkan oleh setengah2 Bank: ie Affin (BLR+2.5%), & Hong Leong Bank (BLR+1%)
Thx to dynn. Aku pun baru tau ttg Maybank OD Islamic tu. Aku tak check lak Maybank haritu ingatkan takde
Rate=BLR+0% ye. CUma processing mahal sikit 250.Then mmg leh beat RHB & CIMB le Maybenk nye OD ni… Islamic pulak tu. (Walaupun dia based on ASB yg tak brp Islamic)
Anyway, ada jugak yg tak bersetuju gunakan hutang ni utk pelaburan. But there's Good Debt & Bad Debt. Jangan tersilap langkah, udah la ye. Kena disiplin mcm paksyed ckp kat atas tu
Yang penting, kalau kita pandai guna, kita leh minimizekan interest yg dicaj ke atas kita, dan kita jugak yg untung in the end.
P/S: Aku sendiri pun belum apply OD ni. CUme research2 around. Hopefully betul la apa aku cite ni. Kalau salah tolong jolokkan. Aku plan guna OD ni utk cover loan motor dan buat modal masuk rumah baru.. Tu je. hehehe… Takdela burn terus duit ASB 'bini' aku nnt tu;-)
hmmmm, menarik jugak bayar car loan pastu beli rumah ek… tapi asb kena minimum 50k kan untuk buat OD?
10:08 pm
syedkhalil said:
sothye said:
Salam.. betul ape yg korang kira tu.. sorrylah tersalah type
“OD against FD” pun ada jugak yg diamalkan oleh setengah2 Bank: ie Affin (BLR+2.5%), & Hong Leong Bank (BLR+1%)
Thx to dynn. Aku pun baru tau ttg Maybank OD Islamic tu. Aku tak check lak Maybank haritu ingatkan takde
Rate=BLR+0% ye. CUma processing mahal sikit 250.Then mmg leh beat RHB & CIMB le Maybenk nye OD ni… Islamic pulak tu. (Walaupun dia based on ASB yg tak brp Islamic)
Anyway, ada jugak yg tak bersetuju gunakan hutang ni utk pelaburan. But there’s Good Debt & Bad Debt. Jangan tersilap langkah, udah la ye. Kena disiplin mcm paksyed ckp kat atas tu
Yang penting, kalau kita pandai guna, kita leh minimizekan interest yg dicaj ke atas kita, dan kita jugak yg untung in the end.
P/S: Aku sendiri pun belum apply OD ni. CUme research2 around. Hopefully betul la apa aku cite ni. Kalau salah tolong jolokkan. Aku plan guna OD ni utk cover loan motor dan buat modal masuk rumah baru.. Tu je. hehehe… Takdela burn terus duit ASB ‘bini’ aku nnt tu;-)
hmmmm, menarik jugak bayar car loan pastu beli rumah ek… tapi asb kena minimum 50k kan untuk buat OD?
Minimum ASB untk buat OD dalam RM10,000 (depend on bank)…itu la tengok objectif masing2…kalau nak lagi cepat…buat la amount OD tu besar.
10:10 pm
sothye said:
Yang ni ye bro
Murabahah Cash Line Facility-i
Takleh tunjuk link pulak sbb m2u baru skg dlm FRAME. Hampes..
Features
- Based on the principle of Murabahah (sale and purchase contract)
- No commitment fee on unutilised amount
- Maximum financing period for particular ceiling rate is 5 years. Profit rate will be subject to periodical review
- Profit rate is at par with the Conventional OD rate
- Protection against rise in BLR by a fixed ceiling rate
- Third party financing is allowed
Scope
- For working capital requirements
- For personal consumption
- For purchase of assets/properties
Who can apply
- Muslim and non-Muslim individuals or joint account holders
- Companies incorporated under the Companies Act
yeap…tapi tu secara general..tapi kalau nak info complete..better jumpa dgn bank face-to-face.
10:12 pm
dynn said:
sothye said:
Yang ni ye bro
Murabahah Cash Line Facility-i
Takleh tunjuk link pulak sbb m2u baru skg dlm FRAME. Hampes..
Features
- Based on the principle of Murabahah (sale and purchase contract)
- No commitment fee on unutilised amount
- Maximum financing period for particular ceiling rate is 5 years. Profit rate will be subject to periodical review
- Profit rate is at par with the Conventional OD rate
- Protection against rise in BLR by a fixed ceiling rate
- Third party financing is allowed
Scope
- For working capital requirements
- For personal consumption
- For purchase of assets/properties
Who can apply
- Muslim and non-Muslim individuals or joint account holders
- Companies incorporated under the Companies Act
yeap…tapi tu secara general..tapi kalau nak info complete..better jumpa dgn bank face-to-face baru confident
10:48 pm
11 October 2008
Offline
hmmmm, kena buat calculation dulu, takut takut…. disiplin mau kuat owwwhhh OD…. dari segi interest lagi ok dari credit card, tapi dari segi disiplin lak….. perghhhh…
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