perghhh...
panjang lebor pegawai bank kita ni xplain...
wt penat ko menaip je botak.....
dia org ni kn comfirm lagi pun....
--- On Sun, 2/1/09, nik shahjaril <shahja...@yahoo.com> wrote:
From: nik shahjaril <shahja...@yahoo.com>
Subject: [hsm_muor] Re: Untuk orang bank
To: hsmuor@googlegroups.com
Date: Sunday, February 1, 2009, 6:04 PM
Assalamualaikum....
1.Yes BFR is Base Finacning Rate.. that is bank's cost for financing.
currently is 5.95%.(CIMB Islamic)
BFR nie rate dia kira sama cam BLR. Cuma dlm Islamic Banking dia tak boleh
pakai lending..dia pakai term financing.
2. Mana ada Islamic loan kat malaysia nie beb... yg ada islamic financing...
heheh (diorang ckp laa....). Ko jgn confuse ngan fixed rate tue beb... fixed
rate tak semesti nye islamic financing... ada gak conventional loan yg fixed
rate and ada gak islacim financing yg variable rate.
3. pakej cimb islamic BFR-2.15 nie beb tak sama ngan conventional... under this
pakej indeed it will vary depending on BFR movement but... dia ada ceiling rate
beb.. maybe 12% ke 15% ke... depends on the offer...maknanye whatwever happen to
the BFR ,movement..max rate yg ko kena bayar is the ceiling rate...
ex: ceiling rate 12%
a.BFR=5.95%.. effective rate ko adalah 5.95-2.15 = 3.8%
b.BFR= 7%...effective rate 7-2.15% =4.85
c. BFr=5% effective rate =5-5.15 =2.85
d. bfr=15% effective rate ko 15-2.15%=12.85 % tapi ko still kena bayar 12%
rate...
4. Offer Eon tue... is staggard fixed rate... yg nie ada advantage
jugak...pasal dia tak tag tu BFR... makna nye whatever happen to BFR nak naik
ker..turun ker,,, max rate yg kena bayar is as per the offer tue laa...in this
case 6.99% (3rd year onward)...
Dlm islamoc financing nie... dia pakai concept jual beli on deferred payment
basis... konsep nye bank tak bagi ko pinjam duit tapi dia jual kat ko rumah tue
but on installment... alal cam court mammoth laaa... rate yg dia charge
tue...dia nye profit laa..
diff with conventional is ..islamic nie dia tetap...
cth...ko nak beli rumah 500K.., 20 years islamic financing rate BFR-2.15%
ceiling 12%..conventional rate BLR-2.15%
islamic financing: bank jual rumah nie kat ko let say 1.0M (bayar dlm 20 thn).
1.0M tue dah calculation dia based on ceiling rate 12%. meaning whatever
happen...you only pay RM1.0M (max) in 20 years. but you could end up paying less
should your average rate is less than 12%...kira cam ko dpt discount laaa
tapi kalu rate dia cam eon bank tue 3rd year onward 6.99%... kalu dia kata
selling price let say RM800K (calculation dia based on 6.99% same tenor..20
years)...ko mmg kena bayar RM800K..takde discount beb....
COnventional... kalu based on BLR nie mmg takde selling price pasal ko
pinjam....thus no max payment specified...so in 20 year ko tak tahu total
payment ko RM1.0M ke 1.2M kerr..RM800K ker... Tapi kalu fixed conventional
laon plak... mmg ko bayar fixed.. tapi dia takde aqad jual beli beb...
so...based on hadis tue...concept nie..mmg ikut apa yg nabi s.a.w sabdakan
tue...
sekian utk pertimbang tuan tuan sekalian...
--- On Sun, 1/2/09, Khairil <creep_javaf...@yahoo.com> wrote:
> From: Khairil <creep_javaf...@yahoo.com>
> Subject: [hsm_muor] Untuk orang bank
> To: "hsm muar" <hsmuor@googlegroups.com>
> Date: Sunday, 1 February, 2009, 12:06 PM
> Nak tanya skit?....sesiapa yg kerja bank mintak penjelasan
> skit...
>
> 1.Apa maksud BFR?..Base Financing Rate.....
> Dan aper bezanya dengan BLR (Base Lending Rate)?
>
> 2. Apa beza jika bank offer fix rate loan dengan islamic
> loan?
>
> 3. CIMB Islamic ada buat pakej ----Variable Home
> Financing-i---- di mana pakej ini offer;
> BFR-2.15%(Whole Tenure) dan average interest rate
> adalah 4.34%.
> Soalan aku, ini bukan ke ala-ala macam BLR?
> Dimana kita masih tak tahu lagi secara tetap berapa
> amount yang patut kita bayar in the end of our loan.
>
> Pastu, jika bandingkan yang ini adalah fix rate loan dari:
>
> EON CAP Islamic Bank Berhad
> 3.00%(Yr1), 5.00%(Yr2), 6.99%(Yr3-25)
> Lebih tepat.....tahun pertama ko bayar 3%
> tahun kedua ko
> bayar 5%
> tahun ketiga
> sampai loan ko habis ko bayar 6.99%...
>
> Jadi...sesiapa yg faham,sila huraikan skit...pasal aku tak
> nampak mane satu yang islamic-i dan juga maksud "BFR -
> 2.15%" tuhh...
> Berpusing-pusing bank2 kasi offer, sampai dah pening dah
> aku.....
> Mcm nak beli flight Airasia kat internet, baekkk punyerr
> offer..last2 terkene...
> Keling tul Tony nih laaa.....hahahahahah!!
>
> Nabi s.a.w sampai ke Madinah dan penduduk Madinah membeli
> (menempah) tangguh tamar yang hanya akan diserahkan
> dalam tempoh dua tahun dan tiga. Lalu Nabi s.a.w bersabda :
> Barangsiapa yang
> ingin membeli secara tangguh (serahan barang iaitu belian
> as-Salam) hendaklah
> ia dilakukan atas barang yang diketahui, timbangan yang
> diketahui dan tempoh
> yang diketahui"(Riwayat Al-Bukhari, no 2086)
>
>
>
>
>
>
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