大骗子 EPF 新 Rules 没结婚不能拿钱买房子！!！!！!

seangky

不是十巴仙啦！是頭期十巴仙+屋价十巴仙=20%,我同事是這樣告訴我的，有誰拿過超過屋价二十巴仙的嗎？我也不確定！等拿過的人確實一下lor

seangky

卡..................

5050

原帖由 thomas_ng 于 1-12-2008 12:22 PM 发表
不好意思，小弟有个问题想问个位大大 ，在EPF第二户口里拿钱出来给头期有限制的吗？例如要买70千的flat，在EPF第二户口里有25千++，那我可以拿20千给头期吗？

依你的SPA日期三年爲期限都可以從EPF戶口2提錢出來減輕房屋貸款
你可以踢出RM25K，一分錢都不留也可以

seangky

第一次申請EPF不是只可以拿頭期十巴仙加屋價十巴共二十巴仙罷了嗎？如果thomas_ng的屋价是70仟，20仟好像超過20巴仙了！我印像中好像有這條咧，有誰可以確定一下嗎？

thomas_ng

原帖由 5050 于 2-12-2008 09:28 AM 发表

依你的SPA日期三年爲期限都可以從EPF戶口2提錢出來減輕房屋貸款
你可以踢出RM25K，一分錢都不留也可以

可以吗？如果真的可以就好 ，也谢谢你的回复，还有其他人懂吗？

momojia

原帖由 5050 于 2-12-2008 09:28 AM 发表

依你的SPA日期三年爲期限都可以從EPF戶口2提錢出來減輕房屋貸款
你可以踢出RM25K，一分錢都不留也可以

那天有问到这问题，好像改去SPA日期1年爲期限了！！！！ :@

momojia

原帖由 thomas_ng 于 2-12-2008 06:22 PM 发表
可以吗？如果真的可以就好 ，也谢谢你的回复，还有其他人懂吗？

听朋友讲 acount 2 可以拿完~

pipi88

EPF better than stock market
It never gives negative returns



IN general, most people have the impression that the money placed in the Employees Provident Fund (EPF) always generates lower returns compared with the returns from their own investments.
In this article, we will look into the returns from EPF versus returns from the KL Composite Index (KLCI). We assume that investors are able to generate their own returns equivalent to the returns from the KLCI.
Based on our 23 years of data compilation, it is generally true that the average returns generated from EPF are lower than KLCI returns. From 1986 to 2008, the average return of EPF was 6.7%, 2.3 percentage points lower than the average return of 9% from the KLCI (see table).
However, most people do not understand the risks they need to undertake when they invest by themselves. The standard deviation of EPF is only 1.5%, 22.2 percentage points lower than the standard deviation of 23.7% from the KLCI.
We use standard deviation to measure risks. Most investors only look at how to generate the extra 2.3 percentage point returns, forgetting that they need to undertake a much higher risk to generate the extra returns. The extra return is unable to compensate for the extra risks that investors need to take.
Let’s assume one investor invested RM10,000 in the EPF and the KLCI respectively at the beginning of 1986. Logically with the average KLCI return higher than the average EPF return, the fund in KLCI should be higher than the fund in EPF in most periods.
However, as the table shows, by the end of 2008 (we assume that EPF will only be able to generate a return of 4.25%), the fund placed in KLCI would have reached RM40,000 versus RM43,946 generated by EPF, a shortfall of RM3,946.
The main reason behind this shortfall is that the EPF never gives negative returns whereas the KLCI generated negative returns eight times over the past 23 years.

There is a market saying that out of 10 people who invest in the stock market, only one can make money, the others will lose money. Warren Buffett says if you want to win, you don’t lose. Hence, we disagree with some people who advise others not to place money in EPF because it generates lower returns.
In most periods, the money in EPF gets lower return than the money placed in KLCI. However, the main reason for the lower fund value in KLCI by the end of 2008 was the market crash during 1998.
The money in KLCI dropped by 47.1% to RM18,105 in 1998 from RM34,246 in 1997 whereas the money placed in EPF increased further to RM26,594 in 1998 from RM24,924 in 1997. After 1998, it took nine years for KLCI to catch up with the fund value in EPF.
Last year the fund value in KLCI (RM46,000) finally surpassed the fund value in EPF (RM42,154). However, as a result of the recent market crashes, we are anticipating the fund value in EPF to overtake KLCI again this year.
It will take a few years from now for the KLCI to catch up with the EPF again. Unless investors are constantly monitoring their own investments and are able to avoid most of the negative returns, we think it is safer to put money in the EPF rather than withdraw it for their own investments.
For latest MSEB indices, charts and other information click here

momojia

原帖由 pipi88 于 3-12-2008 02:11 PM 发表
EPF better than stock market
It never gives negative returns



IN general, most people have the impression that the money placed in the Employees Provident Fund (EPF) always generates lower ret ...

是好赚~但是我不觉得是他们用心良苦咯~ 我觉得是把我们的钱拿完去救市多点~ 怎样都是我们的血汗钱当我们需要的时候就应该给我们申请出来。

keatsmon

看这里：

http://cforum3.cari.com.my/viewthread.php?tid=1432843&page=1#pid52507535

thomas_ng

我之前上产业的网页有看到，原来真的是可以拿完第二户口的钱来给头期的 ，只是要如何做就不清楚，英文看不懂

therockey

今天..我以经拿到....EPF钱了......你的 case ler ??

therockey

今天我以经....拿到 EPF 钱了...你的case 了 ??

therockey

今天我以经拿了EPF 钱  你了?

therockey

今天我以经拿了EPF 钱..........你的case 了?

seangky

rocky兄你的錢拿到了嗎？

seangky

恭喜你啊rocky兄！我的他還在拖，一下說在處理，一下說公務員去公干，气死！你的是兩個都批准申請嗎？

5050

原帖由 seangky 于 2-12-2008 05:09 PM 发表
第一次申請EPF不是只可以拿頭期十巴仙加屋價十巴共二十巴仙罷了嗎？如果thomas_ng的屋价是70仟，20仟好像超過20巴仙了！我印像中好像有這條咧，有誰可以確定一下嗎？

5050申請的時候是可以一分錢都不留地拿完出來的
而且5050和男朋友拿出來的數目絕對是超過頭期的10%
不過。。。或許是5050是在十一月四號就拿到該筆錢的關係，當時可以說一切都很順利的

原帖由 thomas_ng 于 2-12-2008 06:22 PM 发表
可以吗？如果真的可以就好 ，也谢谢你的回复，还有其他人懂吗？

當時的OFFICER真的告訴過我是SPA的日期爲期三年的。有沒有更改，就不得而知了

原帖由 momojia 于 3-12-2008 01:42 PM 发表
那天有问到这问题，好像改去SPA日期1年爲期限了！！！！ :@

如果是真的，就。。。。。唉！

5050

原帖由 seangky 于 2-12-2008 05:09 PM 发表
第一次申請EPF不是只可以拿頭期十巴仙加屋價十巴共二十巴仙罷了嗎？如果thomas_ng的屋价是70仟，20仟好像超過20巴仙了！我印像中好像有這條咧，有誰可以確定一下嗎？

原帖由 thomas_ng 于 2-12-2008 06:22 PM 发表
可以吗？如果真的可以就好 ，也谢谢你的回复，还有其他人懂吗？

原帖由 momojia 于 3-12-2008 01:43 PM 发表
听朋友讲 acount 2 可以拿完~

不客氣
5050申請的當事真的可以一分錢都不留的
5050和男朋友提出的數目是超過頭期的十巴仙的

原帖由 momojia 于 3-12-2008 01:42 PM 发表
那天有问到这问题，好像改去SPA日期1年爲期限了！！！！ :@

5050當時也有問過這個問題，那位OFFICER說的是從SPA的日期開始算三年，每年都可以提出來的
她還解釋說，"今年你們提出的錢解決了頭期的問題，明年和後年提出的就可以減輕貸款的負擔”
不過，當時是十一月五號之前的事了，不懂是不是有什麽改變了

therockey

是的..我们两个都拿到了钱...之前他们也在拖..你要每天..打电话..给EPF..不然他们睬你都傻....我打电话打到Officer 怕..然后他给我..approver officer 的电话...call 了..等四天..就出钱...你要帮他们拿..approver officer 的电话.... 那些废柴..customer service officer...是帮不了你的...希望..你可以快快拿到钱.......