Pijal, To be honest, i'm not a perfect person and good example, so not issue of heart broken or downing my self esteem.We got a lot of thingy to learn from our mistakes.... No hard feeling.bro!.....variable equation....hehehehe
--- On Mon, 2/2/09, mohd rafizal hassan <ijal_m...@yahoo.com.my> wrote: From: mohd rafizal hassan <ijal_m...@yahoo.com.my> Subject: [hsm_muor] Re: Untuk orang bank To: hsmuor@googlegroups.com Date: Monday, February 2, 2009, 12:39 PM ambil kau pol...cakap x belapis...kan dah kecil hati.... Daripada: Khairil <creep_javaf...@yahoo.com> Kepada: hsmuor@googlegroups.com Dihantar: Isnin, 2 Februari, 2009 12:18:56 Subjek: [hsm_muor] Re: Untuk orang bank Bukan masalah nak beli umah bangalow atau idak.... Ini kan discussion FAQ.....so,salah ker aku menanya kat saper yg tau? Itupun kekdg yang tak tau buat-buat bodoh sombong tau.... Aku pun tak suruh nik nak tulis pepanjang....ikut die la nak tulis camne... dan kalau aku beli depan umah mahadir pun, ada masalah ker?.... Takmo la depan umah mahadir, baik aku buat umah sebelah kubur cam umah wahab suradi.... Kurang2 ingat gak mati....! --- On Mon, 2/2/09, Ariffin Ahmad <joe...@gmail.com> wrote: From: Ariffin Ahmad <joe...@gmail.com> Subject: [hsm_muor] Re: Untuk orang bank To: hsmuor@googlegroups.com Date: Monday, February 2, 2009, 12:07 PM ko nak beli banglow kat ner pek?... Mines ker? depan rumah mahathir?... 2009/2/2 Khairil <creep_javaf...@yahoo.com> Many thanks Nik for your humble explaination......great job! I appreciated it. -------------------------------------------------------------------------------------------------------------------- Korang baca di add ni ; http://www.zaharuddin.net/content/view/587/101/ aku petik dari website zaharuddin.......apa komen korang? --- On Mon, 2/2/09, Ariffin Ahmad <joe...@gmail.com> wrote: From: Ariffin Ahmad <joe...@gmail.com> Subject: [hsm_muor] Re: Untuk orang bank To: hsmuor@googlegroups.com Date: Monday, February 2, 2009, 10:23 AM pada aku pek, tak kesah conventional atau islamic. aku prefer yg mana lagi murah. after all, nampak cam islamic lagi mahal. kan ker ada satu kes dulu. masuk sok kabar, tv. mamat tu default islamic loan rumah dia.. beli rumah 200k lebih... tapi, bila bank bawak court, demand 500k aku tak nampak islamic lagi dah camtu... in fact lagi teruk dari convertional. tapi, kalau ko nak feel good kononnya.. ok kot... 2009/2/2 nik shahjaril <shahja...@yahoo.com> 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) > > > > > > Get your new Email address! Grab the Email name you've always wanted before someone else does! http://mail.promotions.yahoo.com/newdomains/aa/ Dapatkan nama E-mel keutamaan anda! Kini anda boleh @ymail.com dan @rocketmail.com. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "HSM (class of '91 - '95)" group. To post to this group, send email to hsmuor@googlegroups.com To unsubscribe from this group, send email to hsmuor+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/hsmuor?hl=en-GB -~----------~----~----~----~------~----~------~--~---
