Nasihat untuk Refinance

12 07 2009

Sumber:forum
Nasihat saya….

Sebelum nak refinance kena tanya pada diri kita
Kenapa nak refinance, Apa Matlamatnya,
Nak cash, nak bayar bulanan rendah, saja nak buat hutang etc…

Katakanlah matlamat nak buat cash..
Jadi kena calculate…
Berapa kos untuk fully settle – Ada penalty???
Berapa kos untuk refinance
Berapa total new refinance loan…
Berapa cash dapat?
Berapa return cash akan generate?

Kalau cashflow refinance ni +ve… Teruskan tiada masalah…

Pasal Nak cari bank pulak…
Kita jangan bagi tahu macam ni
Quote:
Originally Posted by irrisa
Saya pun minat nak refinance rumah.
Lokasi di Kajang
Current Value RM160k
Balance loan RM80K+
Ini dikira peminjam emas…
Sangat disukai oleh bank…
Sebab tak tahu ape benda…

Patutnya tanya bank macam ni…
Contoh:

Please give me your best offer for housing loan with this parameter

Double Story House, 2km from Kajang town
5 years old, Leasedhold
Current value 160k

Loan margin 85%
Daily rest, monthly compounded
Prepayment is allowed without asking permission
Prepayment any value is allowed
Prepayment reduce principle
Lock in period 3 years or better/less
Etc…

Please Quote rate for Zero Moving Cost (ZMC), Non Zero Moving Cost (NZMC)

Lepas tu bank akan perasan..
This customer ada knowledge….
Don’t play-play…

Dekat internet banyak info….
Info free dari Loan Consultant pun ada…
Siap boleh datang rumah untuk discuss pun ada…

Semuanya available…


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2 responses

6 10 2012
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