2012 is not a good year to start off. Bank is setting up a new set of rules and regulations that would strictly control the disbursement of loan. It’s no longer easy to get a loan approval these days. Previously, they would use basic income as part of the calculation to get the maximum of loan one could apply, however, they are now using the net income as a point of reference. This would significantly decrease the chance of getting loan approval if you have a high commitment. In addition, they would also take your marital status into account.
PS: Hmmmmm. For example, one who has a basic salary of RM 1,500 could purchase a Perodua Myvi, but now, that person might not be able to get it. If his basic is around RM 2,00o, then he might have a chance.
9:08 pm on 28 January 2012
net income includes the allowances?that’s good..my allowances r higher than basic pay..so can i get a forte 1.6sx with 10k DP, 9yrs tenure..no guarantor?how much the minimum nett pay should i get?
12:43 am on 29 January 2012
#Vortex – Net Income is only your basic pay after tax, kwsp and your commitment if any. Allowance is excluded and that’s the sad part.
7:09 am on 6 February 2012
da 1bln tgu bank approved loan
anta kat pantai baru-meru
booking RM150 (baru dpt tau yg booking sbnrye xpyh byr slagi loan x approved)
mgu lepas salesman tu mitak lg 4K untk harga kete
walhal loan tatau lg ape status nyer
dah ler kaler kete mitak tukar , katanya dah x leh tukar
yelah ari tu igt nk pakai kte cepat, amek jelah kaler yg ade
skrg ni dah 1bln kalo aku amek flx 1.6 dah leh bwk lik kg daa
tlg bg jln cmner nk wat… da rase terkene dgn dealer ler
3:42 pm on 7 February 2012
#Liana – Boleh cuba report kepada bos salesman tersebut dan anda tidak perlu mengeluarkan sebarang wang selagi loan anda tidak diluluskan. Jangan terpedaya dengan salesman seperti itu.
1:43 pm on 19 February 2012
hye nak tanye pasal grad scheme,
1.grad scheme applicable untuk semua jenis kereta ke?kereta tempatan sahaja?
2.Bagaimanakah cara pengiraan bulanan untuk pelan grad ini?
3.Apakah kebaikan grad scheme ini??
sila bantu.TQ