Category Archives: Pinjaman
Bank Negara (BNM) has raised the overnight policy rate (OPR) by 25 basis points or 0.25% to 3.25% in July 2014. The OPR rate was last changed in May 2011 and this increase will definitely will be transferred to banks customer.
Major banks will adjust their base lending rates (BLR), Maybank for example is raising its BLR to 6.85% from 6.6% previously. Other banks such as Hong Leong Bank Bhd (HLBB), CIMB Group Holdings Bhd, Public Bank Bhd, Alliance Financial Group Bhd and OCBC Malaysia has also make some changes on the rates.
The party is now over for some because those with BLR-based or variable loans will have to brace themselves for higher monthly payments on their loans.
On a more positive note, savers can now breathe a little easier, especially retirees with little more than what they have saved through their own efforts and via their Employees Provident Fund accounts as banks, in tandem with the raising of their BLR, will also raise deposit rates.
Fixed-deposit rates which averaged 3% to 3.15% for six-month to one-year tenures will now rise to at least match inflation.
Tags: BNM, OPR rate malaysia
Continued here: Banks to raise rate | e-pinjaman – Personal Loan
mencari pinjaman bank Loans, Credit Cards. … Thanked 6 Times. Active Level. Default. bank rakyat, mbsb, agro bank, BSN contact 019-3527198 / 017-2108389 utk maklumat lanjut. aizat1612. View Public Profile.
Read the rest here: mencari pinjaman bank – CariGold Forum
Cashback Credit Card. A cashback credit card is quite simply a credit card that gives rebates in cash. Instead of collecting rewards for spending with the card via treat points and freebies, the bank will give a cash rebate.
Read more here: Best Credit Card in Malaysia | Pinjaman Peribadi Malaysia
Djamaluddin, Muh. Yunus
This study investigates empirically the existence of monetary policy proxied by official rate (BI’s rate) to realization of bank lending channels by conventional commercial banks in Indonesia between 2010 and 2013. The data used are monthly data of 88 conventional commercial banks, which are categorized into three bank size, (1) large bank, (2) medium bank, and (3) small bank. The model is estimated using static panel analysis. Moreover, this study categorized types of loans into four categories, (1) gross loans, (2) small and medium enterprise loans, (3) non-small and medium enterprise loans, and (4) property loans. The result showed that there isn’t existence of transmission monetary policy on bank lending channels in Indonesia. This study found the characteristics of conventional commercial banks such as assets and liquidity reacting bank lending channel differently in different bank size.
The rest is here: Kebijakan Moneter, Ukuran Bank, dan Pinjaman Bank: Studi …
Maybank Personal Finance
Malayan Banking Berhad is the largest bank and financial group in Malaysia, with significant banking operations in Singapore, Indonesia and the Philippines. The bank also has large interests in Islamic banking through Maybank Islamic Berhad and insurance via its Etiqa subsidiary. Maybank is the largest bank in Malaysia with 401 domestic branches.
Maybank offers loan such as Maybank Personal Loan &Maybank Islamic Personal Financing-i (MIPF-i) with a theme “Live a Brighter Life”.
Customers can apply for a loan based on their preference with Maybank using the quick application process which ensures hassle free, fast approval and no guarantor or collaterals required. To apply for a Maybank financing, you will just need to provide a fixed monthly instalment. Customers can apply for loan amount of minimum RM5,000 to a maximum of RM100,000.Repayment period for the loan is minimum of 2 years or a maximum tenure 6 years.
Loan amount RM5,000 to RM20,000 (8% per annum fixed rate)
Loan amount RM20,001 to RM50,000 (7% per annum fixed rate)
Loan amount RM50,001 to RM100,000 (6.5% per annum fixed rate)
Customers who are eligible for the loan will enjoy benefits such as:
Monthly repayment as low as RM102.78 per month for Basic Loan (depending on the loan amount and repayment period)
No documents stamping
No processing fee
Personal Care Insurance Protection
Customers must fit in the criteria to be eligible for the personal loan:
Individual Malaysian Citizen aged between 21 to 60 years old
Minimum income of RM30,000 per annum
Customers need to provide the bankers with the updated documents for loan application:
Copy of NRIC (both sides)
Latest BE form with official tax receipt
Latest 3 months’ salary slips
Latest 6 months’ savings account activity/current account statements
Copy of NRIC (both sides)
Latest BE Form with official tax receipt
Copies of Business Registration
Latest 6 months’ Bank Statements
Please also take note of the additional fees & charges for loan application:
No processing fees or stamping fees
Late payment Charges: 1%p.a on the amount in arrears, calculated from overdue date till date of full monthly payment
Early settlement fees: RM200 or a sum equivalent to 3% of the outstanding balance of the loan whichever is higher, only is settled within first half of the tenure
Customers who apply for financing will be briefed on the monthly repayment table to enable customers to plan their repayment well.
Read more: Maybank Personal Loan | Pinjaman Peribadi