Skim Simpanan + Pelaburan + Perlindungan
Waaaah,..syiokss tgk offer from Maybank, moreover it is islamic bnking,.. Yeay I LIKE...
This skim was fabulous n gud for future saving, ahahaha without compromise i registered the maximum loan with maximum years. Meaning dat i took loan of RM200K for 25yrs. After 25yrs i have money for my kids education or else i can settle my home financing... From dis skim i also enjoy their bonus and also dividen...ahaha i might use it to regenerate back my yearly loan from dat skim, therefore my 2nd year loan will be lower than the 1st year,.. dat's how we control d saving.. InsyaAllah,.. i'm still waiting for approval.. i hope everything goes well as i really need saving!
Ahaha after i settle d registration i called my LALING
Me : " LALING, syg da terbuat" (pretending dat i'm not guilty..ahakss)
LALING : "Dah terbuat ape?" with curious
Me : "Mmm da terbuat la..."
LALING : "Hmm da terbuat?" he sound knew dat i'm just pretending...(ahaha kantoi!)
Me : "Ha'ah da terbuat!"
LALING : "Terbuat dgn sengaja je ke dgn x sengaja?"
Me : "Terbuat dgn sengaja..." uhuhu masih lagi dgn nada x bersalah (ish2)
LALING : "Itu bukan terbuat, itu dah buat! ha ape die?"
Me : "Syg da wat loan ASB -Maybank yg syg ckp arituh,..." Actually my dad has explained n show me how to calculate n generate d loan. He really encourage me to take dat as he also want my siblings to do d same.
LALING : "hmmm.."
Me : "LALING, nnt kt umah syg explain n tunjuk cmne nk kire yearly installment eks..?"
LALING : "Ok.."
Dat nite we sat together n discuss about the loan,.. Even though we will have tough 1st year for the installment but at the end it really benefit us as we will grow older n d older days there will lotss of money to be used (kids, education,health, extra living cost etc)... InsyaAllah we gonna LOVE the loan at the end,..
LOVE u LALING,.. Thanx...
9 comments:
wow 200k??
Bgs pun sbnarnye amik the highest ni. Aku br nak menuju ke situ...slow sket as i started that scheme since univ. Mase tu kalo amik byk2 kang org bank tny lagikkkkk banyakkkkkkkkkkk...leceh bile takde income ms tu.
hmm...ni buat aku nak buat comparison gak ni. Average...bape eh monthly pmt yg ko kene byr with that 200k?? Average. rm1k++?
kene amik utk my little sis juga...sian dia takde lg =p
hmm tuk jangka mase pnjg mmg bagus la izyan,.. depends to each individu jugakss,.. klu mau cepat ke lambat ker,.. yg aku amik nih 25 yrs so tuk tahun pertama aku byr dlm 1200++, tp nih share la dgn hubby, klu aku sorg nk byr x larat woooo... installment for year 2nd da kurg bnyk sbb masukn blk d dividen! just pay the balance for yearly installment,..at least we have some saving n set aside d money for d kids.. hey, just grab d max!
ayoyo....cant simply grab the max.
Tak mampu lagi lar nak bayar sorang2. (kene ade hubby a.s.a.p gak ni hahaha). coz now is the best time to do this kind of things.
As to date, mine is not for the kids yet...=). Mungkin juga nnt tukar fikiran...depending on "who's is my hubby"
ahaha klu bukan tuk kids, its gud jugak for other things jugakss kan!?! ish2,.. ahaha xpe2 ko kan lg terer bab financing nih,.. aku nih bile bapak ku advice n encourage means it's d best lah kan,... ahahaha tp my dad la jugakss kate rugi klu amik sket, better go for d max n max year of financing,.. but depend jugak kite nk byr pki ape kan!?! klu pakai daun x leh la,.. pakai duit monopoli buleh kotsss...lalalala
mmg la. Utk long term mmg perlu amik byk. Skrg ni...aku increase slowly la (mengikut keperluan). Sbb at the same time kene pk gak komitmen yg lain2...huhuh perut perlu di-isi juga =p
Ape2 pun...selamat saving!!!
eh chop2...sorry kiena nyemak sini lagi.
Aku nasihatkan (cewahh..mcm bgs sgt). Tp bg pendapat aku la, better not to use yr dividend for the upcoming years payment. Byr je mcm ko byr ms 1st year. Ikut pengalaman aku (yg kire baru gak dlm bende ni)...kalo wat mcm tu, it will lead to BIG JUMPs in the future. Aku punye, dah increase by more than 15% of original amount (we called it present value (PV) of loan). In yr case PV is 200k.
Tapi zakat jgn di-lupa.
ohohoho.. mekaseh yer,..
aku baru je amek maybank asb ni.. maklumla baru kerja.
bagus la TED wat ASB loan tuh~
mmg sgt bagus~
mase awal2 amik pon bnyk promo kawan2 bg kawan2 untung juge~
amik brpa?
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