Under BNM guidelines, a single loan repayment should not exceed 1/3 of your gross salary and all combined loan repayments cannot exceed 1/2 of your monthly gross pay.

If your monthly salary is not enough, perhaps the annual bonus can help, say monthly salary is RM3K with one month bonus, then your annualised monthly pay is

With Bonus RM3K * 12 months + RM3K (one month bonus) / 12 = RM3,250.
Max monthly repayment = RM3,250 * 1/3 = RM1,072 rounded down to RM1,070.

Without Bonus Max monthly repayment = RM3K * 1/3 = RM1,000

However, it does not help if based on the CCRIS you have a lot of outstanding Credit Card debts.

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Get up to RM120K with Citibank Personal Loan.

Apply today andget 60 mins in priciple approval. SMS cash to 36700, or call 03-23824099 now

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Jom kita bincang tentang penggunaan Over Draft bersandarkan sijil ASB (OD ASB) nie.. mari kita share pengiraan-pengiraan dan fungsi-fungsi OD ASB..

Salah satu tujuan utama OD ASB nie supaya kita boleh maksimumkan saving kita…. sebagai contoh, kata lah sebelum nie kita cuma saving ke dalam ASB RM300 sebulan tapi kalau guna kaedah OD ASB kita boleh gandakan saving sampai RM600.. tapi sebelum tue masing-masing kenalah tahu masing-masing punya tahap kewangan dan juga cashflow sebab setiap orang mempunyai cara perbelanjaan yang berbeza..

sebagai permulaan katakan kita ada duit simpanan

ASB = RM11000 (jumlah minimum nak memohon OD ASB)

Bank akan bagi 95% dari jumlah ASB
95% x RM11000 = RM10450

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