Category Archives: Pinjaman

Bank Negara Should Reinstate DIBS For First Time Buyers Of All …

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Follow this link: Bank Negara Should Reinstate DIBS For First Time Buyers Of All …

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Cara Cara Mengira Pinjaman Kereta – era jinbei . komuter van …

 Saya dapati ramai lagi yang tidak tahu mngira pinjaman mereka , di sini saya sediakan berapa cara yang mengira pinjaman , selanjut seperti dibawah:

Cara mengira dengan App laman seperti dibawah :

 atau Cara Seperti dibaweah:

 Contoh Pengiraan Monthly Installment Kenderaan Anda

 Anda beli kereta Viva berharga RM33,000                                                                     
 Anda berikan downpayment RM3,000                                                                               
 Jumlah pinjaman bank adalah RM33,000 – RM3,000 = RM30,000
Katalah “interest” tahunan yang dikenakan adalah 4%/year
Katalah anda mahu bayar pinjaman “installment” anda selama 9 tahun
Jumlah “interest” setahun Untuk 9 tahun = RM30K x 4% x 9 years = RM10,800
Jumlah hutang = Pinjaman Bank + Jumlah “Interest 9 tahun” = RM30K +RM10,800 = RM40,800
Jumlah bulanan “bulan” untuk 9 tahun = 9 years x 12 bulan = 108 bulan
BAYARAN BULANAN “car installment” = Jumlah Hutang/Jumlah Bulan = RM40,800/108 = RM378 sebulan

Mudah sahaja bukan. Harap anda faham dan dapat mengikuti tentang cara pengiraan Bayaran Bulanan Pinjaman Kenderaan ini.

Here is the original post: Cara Cara Mengira Pinjaman Kereta – era jinbei . komuter van …

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Rosmah's ex-confidante Deepak owes Bank Rakyat RM215 million …

Ketua Penerangan PAS Pusat, Datuk Mahfuz Omar menyerahkan satu memorandum kepada Pengarah Urusan Bank Rakyat, Datuk Mustafha Abd Razak bagi meminta penjelasan berhubung dengan baki pinjaman RM32?…

More: Rosmah's ex-confidante Deepak owes Bank Rakyat RM215 million …

Pinjaman Peribadi Hong Leong | Personal Loan

Hong Leong provides two main financial options for personal loans based on conventional banking and Islamic banking concept to suit the customer’s preference. Although Hong Leong sounds like a Chinese based bank, it has the platform for Islamic financing which is impressive.
Islamic financing is known as Personal Financing-i which assists customers meeting their personal consumption such as purchasing of computers, personal investments, renovation, and furthering tertiary education. It adopts Murabahah via Tawarruq arrangement structure as the underlying transaction.
Features & Benefits of financing with Hong Leong:
Monthly installments as low as RM133.33
Fast approval within 48 hours
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
Loan financing amount min will be from RM 5,000 to RM 50,000 depending on the customer’s eligibility. The repayment period depending on the amount is min 1 year to 5 years. Please take note that the Interest Rate is a flat 1% per month. Actual monthly installment will be rounded up to the nearest RM5.
Malaysian citizens only, aged between 21 to 60 years old and who earn a minimum annual income of RM24,000 per annum is eligible to apply for the loan.
ForSalaried Earner, please prepare
Latest 3 months Salary Slip
EPF Statement dated within last 2 months
EA Form dated within last 12 months
For Self Employed, please prepare
Latest 3 months Company Bank Statement
Latest B/BE Form or EPF Statement
Business Registration
Important Information
For Islamic Financing:
Ibra’ shall be granted to the Customer who settles their financing facility(ies) before the end of the financing tenure. Settlement prior to the end of the financing facility tenure by the Customers shall include, but is not limited to the following situations:
Customer who make an early settlement or early redemption
Settlement of this financing facility(ies) due to financing restructuring exercise
Settlement by Customer in the case of default
Settlement by Customer in the event of termination or cancellation of this financing facility(ies) before the maturity date
Ibra’ (Rebate) shall be calculated as follows:
Ibra’ = [remaining unearned profit] +[undisbursed principal (if applicable)] – early settlement charges* – current month profit
*cost that have not been recovered because a financing contract has a structure with discount elements at the initial period of financing; and/or
The rebate shall only be deemed granted upon receipt of the settlement/redemption sum as determined by the Bank
Hong Leong financing also provides options with 20% Cashback with Terms & Conditions.

July 08, 2014

More here: Pinjaman Peribadi Hong Leong | Personal Loan

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Pinjaman Peribadi Bank Islam | Pinjaman Peribadi

Bank Islam Personal Financing-i Facility
Any Malaysian regardless or religion can open an account, invest and apply for banking facilities from Bank Islam. Bank Islam offers Personal Financing-I subject to a minimum of RM5,000.
Benefits customers will enjoy:
Competitive rate
No commitment fee
No hidden charges
No guarantor is required
No processing fee
Flexible financing tenure
Selling price – fixed and known
Fast approval
Customer Eligibility for Personal Financing-I
Applicant must be 18 years and up to retirement age or 70 years old (last entry age at 65 years old)
Malaysian citizen
Earning a minimum fixed income of RM1,500.00 per month
Salary earner or sole proprietorship/partnership
For sole proprietorship/partnership – minimum 2 years in business
Total deduction must not exceed 50% of gross salary or 75% inclusive of home financing
Margin of Financing:
Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
Up to 60% if secured against unit trust
Payment Period for Personal Financing-I is secured against fixed deposit or structured investment:
Maximum of 5 years (60 months) with no age limit
Secured against unit trust
Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier
Document needed for Salary Earner:
Photocopy of Identity Card
Latest payslip
Latest letter of confirmation from employer (salary earner)
Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
And at least one (1) of these:
Latest income statement (Form B/eBE/ EA/EC); or
Latest 3 months Bank Statements of salary crediting account; or
Any other latest supporting document such as EPF statement, if required
Document needed for Sole Proprietor/Partnership:
Photocopy of identity card
Business Registration
Last 6 months current account statement
Latest Annual income statement (BE/B Form) with payment receipt
Last 2 years financial statement
Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
Customers will be given the option in selecting the payment method to suit their payment style:
Salary Deduction
Salary Transfer to Bank Islam with Auto-debit Instruction
Auto-debit Instruction from other Banks (from salary credited account)
For Sole Proprietorship or Partnership:
Auto-debit Instruction from Bank Islam or other Banks (from salary credited/business account)
Standing instruction from current account linked to the Personal Cash Line-i
Just for the record, Bank Islam Malaysia Berhadis an Islamic bank that has been in operation since July 1983. The bank currently provides Shariah-compliant card services and mobile banking, in addition to traditional banking.

Read the rest here: Pinjaman Peribadi Bank Islam | Pinjaman Peribadi

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