1) Bagaimana cara / kaedah untuk menggunakan kemudahan Overdraft?
Konsepnya lebih kurang sama dengan kad kredit. Cuma kadar faedahnya adalah berbeza dengan kad kredit.
2) Adakah teknik Rahsia Bank boleh digunapakai untuk Pembiayaan Peribadi (Personal Loan)?
Boleh, selagi pihak bank menawarkan kemudahan yang diaplikasikan dalam teknik Rahsia Bank.
3) Apa kelebihan E-Book dan Teknik "Rahsia Bank Terbongkar' & "Rahsiabank Lagi"?
Dalam kehidupan, kita akan membuat perancangan wajib untuk membeli sebuah rumah dan jika mempunyai lebihan wang sudah tentu kita ingin menambahkan aset tetapi biasanya tempoh masa untuk kita menyelesaikan hutang tersebut melibatkan masa yang lama dan membebankan. Ini kelebihan E-Book dan Teknik ini. Rahsia yang dibongkar amat membantu dalam memendekkan tempoh pinjaman.
4) Adakah maklumat / teknik yang disalur dan dibongkar boleh menjadi kenyataan?
Ya, sudah tentu. E-Book ini dihasilkan dari pengalaman ahli Team RahsiaBank.com sendiri yang pernah memberikan nasihat serta bimbingan yang mendalam berkenaan Teknik yang dibongkarkan ini. Teknik telah pun terbukti keberkesanannya dan bakal membantu sesiapa sahaja yang mencari cara alternatif untuk menyelesaikan bebanan pinjaman rumah.
Wednesday, June 10, 2009
Friday, September 5, 2008
CTOS
Credit grantors the world over place great importance to the age old and proven maxim: " Know Your Customer!"
Credit grantors need information. In Malaysia, CTOS is clearly the preferred choice of these credit grantors for lead information.
CTOS collates factual information into an electronic media for easy, instantaneous, and accurate retrieval.
Information collated is not based on hearsay or speculation but upon some publication or advertisement or based upon searches normally deemed reliable.
CTOS information does not attempt to show the ?current status? of legal cases, searches, etc. it is solely meant as a source of ?first? or ?lead? information to aid decision making, it must be read intelligently and skillfully. The type, nature of information, date and times are thus crucial factors to consider, if users feel the case may have a significant impact on the matter under consideration they should conduct further probe on these ?first? information to find out more.
CTOS however does not rank, rate or give opinions as to the credit worthiness, integrity, character of the subject inquired. It merely provides information that are historical that credit grantors want in their bid to know more about their customers better, past track record, etc.
When you apply for loans, credit cards, hire purchase or leasing facilities, etc in Malaysia, the chances are the credit grantor will make an enquiry in the CTOS system for information leads.
They follow up on these either with the subject concerned or with other relevant parties to find out more.
Credit evaluations are made not based on a single factor but upon how an applicant matches up to a set of lending criteria laid down by the credit grantor. These lending criteria inherently reflect the risk attitudes and risk tolerance levels of the credit grantor concerned.
In short, these criteria reflect how the credit grantors want to do business, their business policies, strategies, their risks propensity etc.
The risk attitudes, tolerance, business philosophy, policies & strategies however vary from one credit grantor to the next. What one credit grantor find unacceptable may well be within tolerable limits of another.
Ultimately, credit grantors will only assume risks that they find it comfortable and acceptable within the limits set by their organization. CTOS plays no part in defining these criteria or the factors considered by them.
Source: http://www.ctos.com.my
Credit grantors need information. In Malaysia, CTOS is clearly the preferred choice of these credit grantors for lead information.
CTOS collates factual information into an electronic media for easy, instantaneous, and accurate retrieval.
Information collated is not based on hearsay or speculation but upon some publication or advertisement or based upon searches normally deemed reliable.
CTOS information does not attempt to show the ?current status? of legal cases, searches, etc. it is solely meant as a source of ?first? or ?lead? information to aid decision making, it must be read intelligently and skillfully. The type, nature of information, date and times are thus crucial factors to consider, if users feel the case may have a significant impact on the matter under consideration they should conduct further probe on these ?first? information to find out more.
CTOS however does not rank, rate or give opinions as to the credit worthiness, integrity, character of the subject inquired. It merely provides information that are historical that credit grantors want in their bid to know more about their customers better, past track record, etc.
When you apply for loans, credit cards, hire purchase or leasing facilities, etc in Malaysia, the chances are the credit grantor will make an enquiry in the CTOS system for information leads.
They follow up on these either with the subject concerned or with other relevant parties to find out more.
Credit evaluations are made not based on a single factor but upon how an applicant matches up to a set of lending criteria laid down by the credit grantor. These lending criteria inherently reflect the risk attitudes and risk tolerance levels of the credit grantor concerned.
In short, these criteria reflect how the credit grantors want to do business, their business policies, strategies, their risks propensity etc.
The risk attitudes, tolerance, business philosophy, policies & strategies however vary from one credit grantor to the next. What one credit grantor find unacceptable may well be within tolerable limits of another.
Ultimately, credit grantors will only assume risks that they find it comfortable and acceptable within the limits set by their organization. CTOS plays no part in defining these criteria or the factors considered by them.
Source: http://www.ctos.com.my
Monday, September 1, 2008
Pinjaman Kewangan
Pinjaman Berjangka
- Ansuran bulanan tetap.
- Pinjaman Pokok + Faedah.
- Dalam tempoh tertentu.
Overdraf
- Boleh digunakan bila-bila masa berdasarkan had kredit.
- Faedah berdasarkan baki harian.
- Ansuran bulanan tidak tetap.
- Bayaran balik fleksibel.
Segala maklumat terdapat di dalam E-Book Rahsia Bank Terbongkar!
Team RahsiaBank.com
- Ansuran bulanan tetap.
- Pinjaman Pokok + Faedah.
- Dalam tempoh tertentu.
Overdraf
- Boleh digunakan bila-bila masa berdasarkan had kredit.
- Faedah berdasarkan baki harian.
- Ansuran bulanan tidak tetap.
- Bayaran balik fleksibel.
Segala maklumat terdapat di dalam E-Book Rahsia Bank Terbongkar!
Team RahsiaBank.com
Loan
A loan is a type of debt. This article focuses exclusively on monetary loans, although, in practice, any material object might be lent. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.
The borrower initially does receive an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.
A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.
Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money.
Source: Wikipedia
The borrower initially does receive an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.
A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.
Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money.
Source: Wikipedia
Team RahsiaBank.com
Rahsiabank.com merupakan satu pasukan yang spesifik menerangkan tentang pengurusan hutang rumah (pinjaman perumahan) dengan lebih efektif..
Tidak seperti lain-lain pasukan, kami hanya menerangkan "Teknik untuk mempercepatkan penyelesaian pinjaman perumahan".
Melalui bengkel, kami akan menerangkan dengan lebih detail teknik tersebut. Bengkel tersebut akan mula diadakan selepas Hari Raya Aidil Fitri iaitu dalam bulan Oktober 2008.
Nantikan tarikhnya.
Sebarang pertanyaan atau cadangan sila emailkan kepada
info@rahsiabank.com atau teamrahsiabank@gmail.com
Tidak seperti lain-lain pasukan, kami hanya menerangkan "Teknik untuk mempercepatkan penyelesaian pinjaman perumahan".
Melalui bengkel, kami akan menerangkan dengan lebih detail teknik tersebut. Bengkel tersebut akan mula diadakan selepas Hari Raya Aidil Fitri iaitu dalam bulan Oktober 2008.
Nantikan tarikhnya.
Sebarang pertanyaan atau cadangan sila emailkan kepada
info@rahsiabank.com atau teamrahsiabank@gmail.com
Pengurusan Kewangan
Assalamualaikum dan salam sejahtera buat semua pengunjung blog ini.
Saya menggunakan blog ini adalah untuk memudahkan urusan pengunjung untuk bertanya atau memberi pendapat.
Hari tajuk kita adalah "Pengurusan Kewangan"
Apabila sebut sahaja wang semua orang tahu tentang nilai disebalik sekeping kertas hatta kanak-kanak yang belum bersekolah pun tahu apa gunanya wang atau duit.
Ramai dari antara kita (termasuklah saya) tahu macam mana untuk menggunakan wang tapi berapa ramai yang tahu bagaimana untuk menguruskannya. Hah... ini baru intro sahaja..
Mari kita ambil contoh yang mudah.
Pendapatan vs perbelanjaan dalam sebulan. Berapa ramai antara kita membuat analisis kewangan pendapatan sebulan. Saya rasa tidak ramai.
Antara faktor-faktor yang perlu anda ambil sebagai kiraan adalah:-
1. Pendapatan bersih
2. Perbelanjaan tetap (ansuran rumah, kereta, insurans* dll)
3. Perbelanjaan anjal (barangan keperluan dapur, petrol, tol, persekolahan anak-anak dll)
4. Cukai pendapatan
5. Simpanan
6. dan lain-lain faktor.
Dengan kiraan tersebut, kita boleh menilai tahap kewangan semasa supaya dipenghujung bulan tidak keputusan wang.
Saya menggunakan blog ini adalah untuk memudahkan urusan pengunjung untuk bertanya atau memberi pendapat.
Hari tajuk kita adalah "Pengurusan Kewangan"
Apabila sebut sahaja wang semua orang tahu tentang nilai disebalik sekeping kertas hatta kanak-kanak yang belum bersekolah pun tahu apa gunanya wang atau duit.
Ramai dari antara kita (termasuklah saya) tahu macam mana untuk menggunakan wang tapi berapa ramai yang tahu bagaimana untuk menguruskannya. Hah... ini baru intro sahaja..
Mari kita ambil contoh yang mudah.
Pendapatan vs perbelanjaan dalam sebulan. Berapa ramai antara kita membuat analisis kewangan pendapatan sebulan. Saya rasa tidak ramai.
Antara faktor-faktor yang perlu anda ambil sebagai kiraan adalah:-
1. Pendapatan bersih
2. Perbelanjaan tetap (ansuran rumah, kereta, insurans* dll)
3. Perbelanjaan anjal (barangan keperluan dapur, petrol, tol, persekolahan anak-anak dll)
4. Cukai pendapatan
5. Simpanan
6. dan lain-lain faktor.
Dengan kiraan tersebut, kita boleh menilai tahap kewangan semasa supaya dipenghujung bulan tidak keputusan wang.
Kita bersambung dilain masa...... insya_Allah
Team RahsiaBank.com
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