conventional full flexi loan & Islamic full flexi loan

xueli68

各位，请问你们申请银行是选择哪个贷款配套呢？RHB 给我选择这2个贷款配套conventional full  flexi loan and Islamic full flexi loan。。

有没有人选择这2种配套呢？要选择哪一个比较好？


1. Convential full flexi loan
每天算利息，BR 3.90 + 0.6% =4.5%
-如果遇到金融风暴，ＢＲ利息会调高
－如果超过９０天，没还钱利息加５％
－如果今天把母钱丢进去，隔天会省利息

２.Islamic full flexi loan
-每个月算利息
-interse rate may offer BR+0.55% or BR+ 0.6% with assurance
-capping ceiling rate:10.25%
如果超过９０天，没还钱，遇到金融风暴利息就是10.25%，不会调高



这2个都有lock in period 3年

kenty

Capping 10.25% 基本上可以不看，万一真的到达那个位置不管哪一个配套都死。

xueli68

kenty 发表于 13-7-2016 11:28 AM
Capping 10.25% 基本上可以不看，万一真的到达那个位置不管哪一个配套都死。

islamic capping 10.25% 的利息 很高。可是对于conventional loan 的BR 每次会不会调高很多？因为利息都算每一天的。
所以你是建议选conventional 的贷款？

kenty

xueli68 发表于 13-7-2016 11:45 AM
islamic capping 10.25% 的利息 很高。可是对于conventional loan 的BR 每次会不会调高很多？因为利息都算每一天的。
所以你是建议选conventional 的贷款？

10.25% 只有在经济风暴如1998年时才会发生。这是人算不如天算，没得算。
至于哪个配套不是简单两句就可以说白，要看你自己的需求，不是每个配套都适合每一个人。
fully flexi 每个月都会有RM10.60的手续费，一年就要约RM130。是否会真的将钱放在这个户头省利息？如果没有，fully flexi 就不适合了。
如果确定fully flexi 是适合你，那是否时常有现金进出这个户口？或打算将到期的定期存款存入？又或者直接将工资出到这个户口？
如果答案是确定的，那当然是日利息好。当然你还要了解islamic和传统有什么不同，每家银行的配套都会有些不同条款，这个就必须详细的读完整份LO了。

kenty

还有，日利息不是坏事，月利息也未必是好事。只要你了解以下的文章就可以好好利用日利息的设计。

自己动手轻轻松松省利息（房屋贷款）

zaqre

支持我國繼續回教化，就Islamic
不支持，就conventional

xueli68

kenty 发表于 13-7-2016 01:36 PM
10.25% 只有在经济风暴如1998年时才会发生。这是人算不如天算，没得算。
至于哪个配套不是简单两句就可以说白，要看你自己的需求，不是每个配套都适合每一个人。
fully flexi 每个月都会有RM10.60的手续费，一年 ...

banker 只是介绍和说明这2种的fully flexi loan 罢了。。
可是我不懂semi 和full flexi loan的差别？
因为我还在申请贷款中,banker要我选择其中一个贷款配套然后才跟银行申请贷款。
其实开户头只是要还贷款罢了。。没有想说把钱存在这个户口。

Quintusx

fully flexi
- borrower can pay additional amount anytime to knock off principle to save interest
- borrow can issue cheque to use the money in the loan - the money (principle) that the borrow has already paid. note that by taking out the money, interest will be charged based on the amount taken out
- need to pay RM10/month as there is a current account linked to the loan account
- good for people who need high liquidity of cash very often

semi flexi
- borrower can pay additional amount anytime to knock off principle to save interest
- borrow can only take out money with written notice to the bank. approximately ~5 working days of processing. note that by taking out the money, interest will be charged based on the amount taken out. each withdrawal will cost a fee of rm50 (whatever the bank want to call fee as)
- NO need to pay RM10/month, as no cheque book or current account involve.
- good for working class who often have additional saving, have bonus or kena lottery occasionally so that can dump in the money to knock off interest.

copy 自老鸭论坛