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为什么Ｍａｙｂａｎｋ收Misc. Charges
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本帖最后由 wynnest 于 1-7-2015 08:51 PM 编辑
银行刚刚发放我的房屋贷款，昨天我看是没有Misc. Charges 可是今天看多了一个Misc. Charges 请问这个是什么？？？该不会时不时就来个奇奇怪怪的费用，那不是永远供不完？？？Financing Type : | Maybank Islamic Loan | Account number: |
| Account name(1): |
| Outstanding balance: | -RM254,039.00 | Outstanding Cost of Finance: | RM253,839.00 | Outstanding GPP: | RM0.00 | Payment due date: | 01 August 2015 | Monthly instalment amount: | RM1,613.00 | Instalment due: | RM0.00 | Payment in advance: | RM0.00 | Profit rate: | 4.55% | Payment frequency: | Monthly | Misc. Charges: | RM200.00 | Product name: | Maybank HomeEquity-i | Total asset price: | RM0.00 | Customer ownership %: | 0.00% |
果然不出我所料，才不到一个月，有来多一条款项Ｐｒｏｆｉｔ Ｃｈａｒｇｅｄ
30-Jun-2015 PROFIT CHARGED RM632.86
请问这个是什么？
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发表于 13-6-2015 05:36 PM
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200块应该是setup fee吧。。。flexi loan? |
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楼主 |
发表于 13-6-2015 06:31 PM
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是一次性的吧？还会有什么而外的费用吗？ 我的是这个
HomeEquity-iA Shariah-compliant home financing based on the concept of Musyarakah Mutanaqisah
Features & Benefits - Based on the principle of Musharakah Mutanaqisah (diminishing partnership via leasing)
- No compounding of profit and other charges
- No early settlement charge/ lock-in period penalty
- Competitive financing rates and margin of financing
- Lower monthly instalment with the longer payment period of up to 35 years or until the age of 70, whichever comes first
- Higher financing eligibility of up to 70% of your gross income*
- Higher financing margin of up to 100% of the value of the house (including capitalisation of related expenses such as MRTT contribution)
- MRTT coverage, which settles your outstanding mortgage and transfers the title deed to your family in the event of death or total and permanent disability
- 20% reduction on stamp duty for new financing & waiver of conversion from Conventional facility
- Convenient payment options of your instalment via Maybank and Maybank Islamic branches, ATMs, Kawanku Phone Banking, and online via Maybank2u.com
- Minimal documentation compared to other home financing plans
[size=1.1em]*Terms and Conditions apply
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楼主 |
发表于 13-6-2015 06:33 PM
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本帖最后由 wynnest 于 13-6-2015 06:39 PM 编辑
那setup fee也是算利息的咯？ |
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发表于 14-6-2015 12:31 AM
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Financing Type :
Maybank Islamic Loan
我的也是
我打去loan branch, 讲了不知什么东东， 就算了 |
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楼主 |
发表于 14-6-2015 10:15 AM
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发表于 14-6-2015 09:31 PM
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好像300+
28-Feb-2015AUTODEBIT 02001 MABFIRE *RM337.29
06-Feb-2015SELLING PRICERM1,295,742.35
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发表于 15-6-2015 12:55 AM
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发表于 15-6-2015 09:49 PM
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发表于 17-6-2015 10:18 AM
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RM200那个是Processing fees, 一次性~
我也有房产在Maybank的贷款~ |
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楼主 |
发表于 17-6-2015 10:00 PM
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楼主 |
发表于 1-7-2015 08:50 PM
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果然不出我所料，才不到一个月，有来多一条款项Ｐｒｏｆｉｔ Ｃｈａｒｇｅｄ
30-Jun-2015 PROFIT CHARGED RM632.86
请问这个是什么？ |
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发表于 1-7-2015 09:39 PM
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本帖最后由 sheng6222 于 1-7-2015 09:50 PM 编辑
你好
RM200.00 是手续费，只还一次而已（这个banker should be unfront let you know 因为letter offer有写）如果屋子是completed,当银行出完钱时，多数隔一个月才开始@month installment
eg ： 6月22出完钱，银行就会要你8月开始@month installment
所以 9天 （6月22至30日) 和7月需要还利息而已（银行出多少钱就还多少利息）
不过之后你还有一个fire insurance的费用（这个是complusory的，每一年扣一次）
希望我的意见可以帮到你
谢谢
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发表于 5-7-2015 08:37 AM
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Profit Charged 就是利息。根据伊斯兰教义，利息是不被允许的。所以当设计伊斯兰产品时必须避开利息，最后就以Profit来取代。
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楼主 |
发表于 5-7-2015 09:17 AM
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