ADE PENYELESAIANNYA .. LUANGKAN SEDIKIT MASA ANDA UNTUK FAHAMI
Saya ingin memperkenalkan 1 program Balance Transfer yg br dilancarkan bg membantu para pemegang card credit mengurangkan kadar interest dr 18% setahun kepada 6% setahun. Cara ini amat praktikal sekali bg mereka yg outstanding balance telah up to credit limit, dan mungkin juga bg mereka yg berhajat membuat personal loan bg melangsaikan hutang tersebut.
Kadar interest dan tempoh pembayaran balik adalah mengikut bank issuer credit card kite, eg MAYBANK up to 3 thn (6% sthn), CIMB 30 bln (6% sthn), EON 5 thn (5% sthn) (jadual pembayaran balik akan di listed kemudian).
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Popularity: 10% [?]
Notes: We could expect reduce hire purchase rate to encourage interest.
The automotive industry is in for a challenging period in 2009 as slower economic growth will translate into lower sales volume.
The country’s gross domestic product (GDP) is projected to grow at 3.5% next year.
In line with the slower GDP growth, the total industry volume (TIV) is expected to contract between 10% and 13% in 2009 due to slower consumer spending.
Another factor that could hold back sales next year is financing as the financial and lending institutions will be extra cautious in approving loans due to uncertainties in the global economy.
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Popularity: 4% [?]
This video gives a brief insight into the world of the book, “MONEY $ENSE, Getting Smart With Your Money”.
Popularity: 6% [?]
One of the tools used by banks to evaluate the credit worthiness of a customer is to refer to the CCRIS report obtained (and maintained) by Bank Negara Malaysia (BNM). Beginning August 2001, CCRIS has become a crucial tool to the decision-making of the bank to approve the customer’s application. The report provides for real-time and on-line functions for banks to query for computerized customer credit reports as well as report relevant credit information to BNM.
CCRIS gives valuable details to the bank such as:
- Details of all existing personal credit facilities of a customer, such as type of facility, and ownership of the credit facilities
- Details on the total financial commitment, which includes the balance outstanding and the total limit for each of the credit facilities
- Conduct of each credit facility for the past 12 months, including legal status
- Other relevant information such as Date of Information Update, Frequency of Payment and Type of Collateral.
However, before you get worried about your credit information being abused, please note that the information can only be accessed by authorized persons in the bank, and is not available to the public in general. Your credit report:
- Can only be obtained by the bank IF a formal CREDIT application is made by you to that particular bank
- Cannot be viewed by other banks, at any time
- Does not show your deposit / investment accounts
- Does not show from which financial institution you borrowed from
- Does not show the tenure of the credit facility enjoyed by you
- Does not show the conduct of facilities for periods above one year
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Popularity: 11% [?]
Hire purchase (HP) financing is one of the most common ways for people to buy private vehicles. If you take on HP financing, you become the hirer while the financier financing the vehicle is the owner. As the hirer, you will have to pay installments to the financier based on an agreed duration while you will have possession of the vehicle. When all installments are paid up, ownership is then transferred to you, the hirer.
A Hire Purchase agreement must contain the following important information:
- Description of motor vehicle
- Calculation of total sum payable
- Minimum deposit
- Term charges and annual percentage rate
- Late payment charges
- Date on which hiring commences
- Number of installment repayments
- Amount of each installment repayment
- Person to whom repayments are to be made, time and place of repayments
- Address where the motor vehicle is to be kept
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Popularity: 6% [?]
