Kadar faedah Kad Kredit rendah jika bayar ikut jadual

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KUALA LUMPUR, 10 Julai (Bernama) — Beberapa bank sedang mempertimbangkan untuk mengenakan caj pembiayaan atau kadar faedah yang lebih rendah daripada 15 peratus setahun sekarang bagi pengguna kad kredit…………..

………Mulai 1 Julai tahun ini, caj pembiayaan ke atas transaksi kad kredit dikurangkan kepada 15 peratus daripada 18 peratus setahun bagi pengguna yang melunaskan baki bulanan dengan segera selama 12 bulan berturut-turut.

Ini adalah mekanisme di bawah struktur harga bertahap yang diperkenalkan oleh BNM pada 26 Jun tahun lepas.

Caj tahap kedua ialah 17 peratus, apabila pengguna membayar tepat masa selama 10 bulan daripada 12 bulan.

Di bawah tahap ketiga, caj 18 peratus dikenakan ke atas pengguna kad kredit yang kerap gagal membuat pembayaran tepat masa.

Gan berkata penjimatan daripada caj pembiayaan itu adalah lebih daripada pembayaran balik tanpa faedah selama 20 hari, yang telah dihapuskan.

“Caj pembiayaan sebanyak 15 peratus itu juga dianggap lebih rendah berbanding pasaran serantau yang mengenakan purata 20 hingga 34 peratus.

“Struktur harga bertahap ini juga diperkenalkan bagi membantu bank menguruskan pinjaman tak berbayar daripada kad kredit,” jelasnya.

Apa faedah kepada pengguna kad kredit? Jawapannya senang sahaja, TAKDE FAEDAH. Tujuan pihak bank adalah supaya mereka boleh collect duit dari korang…dan korang pun akan lebih menggunakannya sebab rasa faedah dah rendah.

Kat bawah ni aku dh buat kira2 secara kasar beza antara 18% setahun dgn 15% setahun. Katakan korang ada 5k baki hutang dgn kad kredit, pembayaran minumim bulanan adalah 5% dari baki atau minimum RM50. Katakan bila pembayaran minimum korang dh kurang dari RM200, korang tetap bayar RM200. Berapa korang dapat jimat?….dalam masa 2 1/2 tahun, korang hanya jimat RM250. Ini ke yang korang nak?…ciput tu bro.

So kesimpulan, settlekan terus semua dan potong aje kad kredit korang.

Malaysia Will Likely Increase Interest Rates In Q3

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KUALA LUMPUR, July 9 (Bernama) — Malaysia will likely increase interest rates in the third quarter in an effort to curb inflation, having adopted a neutral stance for the whole of 2007, said an economist.

Bank Negara Malaysia’s policy setting meeting is scheduled for later this month. It has kept the overnight policy rate unchanged at 3.5 percent at its last meeting.

Malaysia’s inflation, as measured by the Consumer Price Index (CPI), was at a 22-month high at 3.8 percent year-on-year in May.

A lot of central banks in the Asia-Pacific have or will be raising rates as inflation across the region has soared in recent months and price growth momentum remains strong going into the second half of the year.

Moodys Economy.com’s economist, Sherman Chan, said the food crisis remained a central concern and continued to put upward pressures on prices. She said the fuel price increases implemented by several economies in the last two months would have a notable impact on inflation during the September quarter.

“The Asean economies are facing a similar inflation and monetary policy outlook. For Indonesia, Thailand, Malaysia, Singapore, the Philippines and Vietnam, CPI growth will likely peak in the third quarter and gradually slow in the final months of the year,” she said in a research note.

She said inflation, despite eventually cooling, would remain at uncomfortably high rates. “This will see Indonesia and the Philippines continue with their tightening agenda in coming months.

“Malaysia will likely increase interest rates in the third quarter, having adopted a neutral stance for the whole of 2007. Thailand also looks set to begin its tightening cycle this month,” said Chan. …more…

Part 1 – Experience with MLM

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In Malaysia, everybody knows what MLM is. It stands for Multi Level Marketing. How this business influences Malaysian people?…including me.

Since I first start working in 2003, until before I get married, my salary was just good enough for me. Even I can’t save much, but I still could make some saving. But it changed after I get married. My commitments were become different. There were a lot of things that we need when we are in a family. Then I realized that my current salary is not good enough for us to get better life. So what we did?

I started looking for side income. But I couldn’t do part time job at that time. I was an Engineer at one of Semiconductor Company in Kuala Langat. I always turn back late, even without OT…too bad huh!…but that was my first job…biasala, semangat lebih…haha.

So what we could do to get side income is by doing MLM. No need huge modal, with less than RM100, you can become a member. I joined few MLM…start from Elken, Amway, Network 21, and then Uptrend. The last one was JAI…most people said JAI is not MLM, but now the company’s account has been frozen by Bank Negara and charged illegal. I heard the company has been charged because they doing MLM business without a proper license. So now I considered JAI as MLM too.

What we get after few years with MLM? We lost our time, we lost few k especially with JAI, but we got a good lesson. In fact, none of my uplines in each MLM are really success with MLM after few years. Its not easy as what they keep said to me huh. Now I really 100% don’t believe with MLM or any other business that similar with it.

What I’m doing now? I’m doing financial planning, and hope can share with you guys how I clearing my debts. To be continue…

Welcome to Bebas Hutang

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Welcome to Bebas Hutang. This blog is to share experience to achieve bebas hutang (financial freedom) with tips and article about financial and also advise to your financial.