Extract from BHarian
PERNAHKAH terfikir bagaimana bank menilai keupayaan kredit kita sebagai pelanggan walaupun tiada butiran didedahkan atau pernahkah terfikir sejauh mana maklumat yang dimiliki bank mengenai corak kredit kita?
Jawapannya ada pada sebuah sistem pangkalan data yang dikenali sebagai ‘Central Credit Reference Information System (CCRIS)’ yang berfungsi sebagai tempat rujukan bagi bank.
Sehubungan itu, Persatuan Akauntan Bertauliah (ACCA) menghuraikan dengan terperinci peranan CCRIS yang membolehkan kita tahu mengenai Biro Kredit, sebuah badan yang bertanggungjawab mengumpul segala maklumat kredit kita.
Diuruskan oleh Bank Negara Malaysia , Biro Kredit dibentuk mengikut Akta Bank Negara Malaysia 1958 dan beroperasi sejak 1982.
Sejak itu, ia sudah mengumpul maklumat hampir lima juta peminjam di Malaysia, yang diperoleh daripada lebih 50 institusi kewangan di Malaysia merangkumi bank perdagangan, bank Islam, syarikat kewangan, bank saudagar dan beberapa institusi kewangan lain. Maklumat yang dikumpul disimpan dalam CCRIS.
Selain memainkan peranan penting sebagai tempat rujukan bagi institusi kewangan untuk membolehkan mereka memberi keputusan cepat dan maklumat terkini mengenai setiap peminjam, Biro Kredit juga sebenarnya adalah sebahagian strategi Bank Negara untuk menyemai amalan baik dalam pengurusan risiko kredit di kalangan institusi kewangan.
Apabila kita ingin meminjam wang dari institusi kewangan atau memegang kad kredit, maklumat kita akan dikemukakan kepada CCRIS. Antara maklumat itu ialah butiran peribadi seperti nama, kad pengenalan diri dan alamat serta butiran akaun kredit seperti jenis kemudahan kredit, had kredit, baki belum dijelaskan, tingkah laku akaun dan status untuk tindakan undang-undang, jika ada.
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Popularity: 5% [?]
So you have been to Bank Negara and receive your credit report, but still could not understand those numbers. The explanations is in Malay.
Q-macam mana nak tau credit history kita tu kalau tak tengok sndiri ccris tu(bank negara report)??
A-pergi bank negara, pegi customer service counter, bagi i/c dan diorng print kan report ccris tu. dlm report tu ada segala loan facilities yg kita ambik ngan financial institution dan track record utk latest 12 bulan. cth:
credit card 0 0 0 0 1 2 3 2 1 0 0 0. (setiap no mewakili bulan utk latest 12mths)
0 = prompt
1 = 1 bulan arrears
2 = 2 bulan arrears
3 = 3 bulan arrears
kebanyakan bank, diorang akan reject case yg mana applicant ada due lebih 3
bulan ke atas, 2 bulan due pun kadang2 reject gak kalau byk kali jadi.
so drpd report yg kita dpt kat bnm tu, kita dah leh congak sendiri kebarangkalian loan yg kita nak apply tu sama ada bleh lulus ke tidak.
selain itu, jumlah penggunaan credit card pun kadang2 jadi isu walaupun kita bayar cantik. cth, kita ada 5 credit card setiap satu limit rm5000. dan masing2 pakai sampai maximum. mmg ada effect bila nak buat loan sbb kita di kategorikan sbg high gearing commitment.
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Popularity: 7% [?]
Introducing the new Citibank AirAsia Credit Card
Enjoy privileges exclusive to Citibank-AirAsia cardmembers:
1.Free Flights
Redeem free flights with the AA points earned
2.Priority Bookings
Cardmembers can book tickets 24 hours ahead of everyone else during AirAsia sales
3.Special Fares
Enjoy special fares and holiday packages not available anywhere else.
Silver AirAsia card will not receive any Travel protection or sign & Fly insurance
Exclusive Internet Only Offer!
RM20* AirAsia Voucher |
RM50*
AirAsia Voucher |
50 AA Points^ monthly with Statement Via E-mail
| Fee Waiver |
1 Year |
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Popularity: 7% [?]
AFAIK, loan approving officers look at several things when they are approving your loan request:
1. The kind of loan you are requesting (unsecured or secured)
2. Debt ratio (whether you are ‘high’ geared – >50% of your gross income paying off debts, or ‘low’ geared)
3. Your previous loan payment record (this is where CCRIS and CTOS comes in)
4. Your income record (whether it is consistent)
5. Your demographical background (Age, Sex, previous employment, Education level, etc.)
If you have a debt of 8k and other monthly commitments of 2k and you are making about 2.5k, most probably a loan for a house valued at 200k might not get approval.
But if you earn 5k (lower debt ratio, higher gross income) you should have a fair chance.
If you have been starting-quitting-starting-quitting-starting jobs for the past 2 years, it will trigger a red flag to the lender (bank), and your chance would be lower.
But if you have an FD of 10% of the loan amount (semi-secured), some banks would take that as a sign that you are cash-rich and a worthy borrower.
The approval given is not just because of CTOS or CCRIS, as these are only a factor in approving the loan. Most banks would allow their loan officers to fight your cause, thus they will be looking at the applications on case-by-case issue to gauge as accurate as possible your credit worthiness.
In lending out money, the bank wants to be 100% sure that you would be able to service out your loan throughout the full tenure. They are not as interested in taking back the property what more dragging you all the way to the courts for some NPL from John Doe.
Your responsibility is to provide them the necessary documents and evidence that you are worth their gamble.
Popularity: 8% [?]
PageRank is value that given by Google for certain web site. Pagerank have rank beetwen 1 – 10. To check your site pagerank you can use free services like checkpagerank.net and other pagerank checker services. If you want to make pagerank checker services site you need pagerank script. Pagerankrank script is not easy to find, if you can found it usually not free. Luckly i found free pagerank script on webmaster forum.
This is not just pagerank checker script. This script can be use to check Alexa Rank, DMOZ listed status, Yahoo Directory listed status, Google Backlinks, Yahoo Backlinks, Altavista Backlinks, Alltheweb Backlinks, Domain Age, and display your site thumbnails. This pagerank script also display recent site that has been checked.
This pagerank checker script is iPageRank. You can download it at http://ipagerank.org/download.php.
Pagerank checker requirement
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Google Pagerank PHP Script.
The current design of this website ( Ipagerank.org ).
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PHP (version 5).
MySQL (version 4.1+).
CURL library.
GD library for PHP with FreeType enabled.
How do I get my copy of the script?
It is really simple, all you have to do is to click HERE, and read their instructions.
Popularity: 5% [?]
Sekarang ini website yang menyediakan fasilitas untuk download mp3 dan mp4 secara gratis sudah bertebaran di Internet. Website tersebut biasanya berupa situs pertemanan seperti Friendster atau website tempat penyimpanan data online. Dengan begitu website tersebut hanya sebagai penyedia layanan bukan yang punya mp3. Mungkin hal ini untuk mengurangi resiko terkena jeratan hukum karena pembajakan. Berikut ini website yang menyediakan layanan download mp3 secara gratis :
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Website ini seperti halnya esnips, hanya saja kamu bisa upload berbagai macam file dari video, mp3, sampai aplikasi bisa masuk.
4. Myspace
Saya belum punya account di website ini, jadi belum pernah coba-coba, tetapi kelihatannya koleksi mp3nya cukup lengkap.
Popularity: 10% [?]
