Bankers BUKAN KAWAN YOU! [Q&A] JANGAN senang-senang SIGN LOAN!

Рет қаралды 13,713

Күн бұрын

Assalamualaikum dan selamat pagi. Hari ni haa nampak tak? Style dia dah lain sikit. Sebab I dah ada Creative Director yang baru. Dia yang kata "Buatlah macam ini, kita cuba yang lain." Okay so selain daripada penampakan yang lain ya, this is a shout out to people yang follow I on Telegram, dan setiap hari kitorang akan tanya soalan-soalan yang berkenaan dengan kehidupan you.
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00:00 Intro
01:14 Tak faham tapi sign
02:46 Belajar untuk faham
03:46 Agreement jual rumah
04:45 Dapatkan softcopy LO
06:11 Tak minta reduce interest rate
07:45 Best practice untuk MRTT
10:11 Rate SJKP lagi tinggi
12:10 Kesimpulan
#financialfaiz #qna #bankers
Bankers BUKAN KAWAN YOU! [Q&A] JANGAN senang-senang SIGN LOAN!

Пікірлер: 58

@FinancialFaiz 28 күн бұрын

🌐 Web ➜ financialfaiz.com 🐼 Tiktok ➜ financialfaiz.com/TikTok ❄ Twitter ➜ financialfaiz.com/Twitter 🥑 Spotify ➜ financialfaiz.com/Spotify 🍋 Lemon8 ➜ financialfaiz.com/Lemon8 🍎 KZbin ➜ financialfaiz.com/KZbin 🧊 Telegram ➜ financialfaiz.com/Telegram 📘 Facebook ➜ financialfaiz.com/Facebook 🍇 Instagram ➜ financialfaiz.com/Instagram For business inquiries and job inquiries, please contact us at: 📧 Email ➜ marketing@financialfaiz.com Duit Aku, Hidup Aku! 👉 financialfaiz.com/DuitAkuHidupAku Beli buku Financial Faiz pertama di Shopee! ASB Financing 👉 financialfaiz.com/asbf Melabur di dalam ASB menggunakan financing! Takaful hibah dan medical card 👉 financialfaiz.com/takaful Dapatkan perlindungan diri dan keluarga!

@qayyumzaibidi9246 4 ай бұрын

Besar jasa TN.faiz mbuka minda kami sbg anak muda yg msih mentah dlm ilmu kewangan..tambah lg diuji ngan trend2 / budaya yg merugikan diri ini..

@FarhanNajmi02 4 ай бұрын

Kalau banyak pilihan ada. Pilih lah, haaaa kalau ada pilihan.

@alfedzs77fedzs8 4 ай бұрын

Tahniah atas penganugerahan Rakan Strategik Hasil🎉🎉🎉🎉🎉🎉

@johnsan8115 4 ай бұрын

From my experience. Here are the least trustworthy ranking 1. Banker (least trustworthy) 2. Property Agent 3. Insurance agent Bankers will sell you those investment product but honestly, those bankers they are not well versed themselves also! So those investment product some of it is junk investments! If they are good at investment I think they don’t need to work in front of counter trying to sell you investment product. Property agent seems to have a long vision where can predict what will happen to the property in the near future. But it’s BS. Completely BS. Insurance agent, be wary on the plan they try to sell you. They like to sell Investment Link Product because that’s where they get the most money by selling this! Truth hurts. So for those who don’t agree with my statement. Too bad

@FinancialFaiz 4 ай бұрын

Hahah 😅👍

@zakrikipli1852 4 ай бұрын

Betul apa yg tn faiz. Baca & pahamkan sblm nak sign.

@jjgg7677 4 ай бұрын

Thank you very much🎉 ya, konsep sofa ni smart🎉

@harrazmasri2805 4 ай бұрын

editor financial faiz mantap la

@yogrine 4 ай бұрын

Proceed podcast format ni. Menarik

@ranjit_kaur 4 ай бұрын

Nice new concept 👍🎉🎊🥳. Thanks for sharing 👍👌👏. Can please share info on life insurance.

@symbiketour4704 4 ай бұрын

saya ex banker, jika tak faham tanya saya, saya akan bg tau apa yg banker tak suka customer tahu waktu sign agreement. hehehe...

@amaninahma2065 2 ай бұрын

Boleh kongsi ke encik?

@adisafwan2513 4 ай бұрын

New concept is such refreshing, keep it up!

@MrBaik123 4 ай бұрын

terima kasih untuk ilmunya Encik Faiz

@alexfrans1267 4 ай бұрын

Thank you sir, and your new layout is nice

@thilaks5666 4 ай бұрын

You are awesome too...tq brother for the good info.

@aimanaliff1014 4 ай бұрын

Lebih santai👍. Good job!

@harithhadi5886 4 ай бұрын

I suke konsep baru ni

@pcgametechreview7808 4 ай бұрын

nice concept nampak really professional...

@ericlai3221 4 ай бұрын

great advice as usual👍

@KhairulkharExplorer 29 күн бұрын

i dah sign LO minggu lepas, hari ni baru tengok video ni 😅

@ratlittle 4 ай бұрын

Aku pun,bila sign siap2 tanya max bunga mungkin naik.boleh standby bayar lebih klu ada perubahan.

@najhifauzi3605 4 ай бұрын

terbaik

@bongsc5648 4 ай бұрын

Well said

@Zeon_SpaceX 4 ай бұрын

Can talk about "cooling-off period" in loans how does it work?

@PdudeZZ 4 ай бұрын

Konsep nice macam main game dlm ps

@user-gw6nu8tz3m 4 ай бұрын

Untuk peminjam yang kurang fasih dalam bahasa inggeris..adakah peminjam boleh mintak segala dokument dalam bahasa melayu?

@LesungPadi 4 ай бұрын

Salam Tuan proses tukar nama pemilik rumah adakah rumah itu akan dinilai semula mengikut harga semasa

@leena9586 4 ай бұрын

Encik faiz, rumah saya loan maybank interest 4.85, MRTT dah tamat after 10 years sebab initial plan nak jual dan beli rumah lain . Memandangkan harga rumah mahal sangat sekarang so tak jadi jual la. Cuma sy dah apply extension MRTT dari maybank di reject. Patut ke saya convert ke LPSSA alang2, interest lebih rendah dan boleh buat MRTT baru.

@achekholbeckal889 4 ай бұрын

Mejoriti nak loan lulus , stigma " nanti aku tanya lebih lebih tak lulus pulak" mentaliti asking for favour, wahhal kalau hidup sederhana dengan apa yang ada biar sehingga bank cari client

@cac1504 4 ай бұрын

Takde loan macam mana nak enjoy?

@hazwanhanafi3294 2 ай бұрын

Assalamualaikum Tuan Faiz. Saya ada 1 soalan. Bolehkah saya submit housing loan untuk 1 biji rumah(rumah lelong) kepada banyak bank dalam 1 masa dengan menggunakan 1 payslip yang sama. Tujuan saya adalah untuk mendapatkan interest rate yang terendah. Contoh saya submit dekat 10 bank ini semuanya untuk 1 biji rumah sahaja dalam masa yang sama. 1. Maybank 2. CIMB Bank 3. Public Bank 4. RHB Bank 5. Hong Leong Bank 6. AmBank 7. UOB Malaysia Bank 8. Bank Rakyat 9. OCBC Bank 10. HSBC Bank Dan apakah kesannya. Dari, Insan yang ingin belajar.

@adibtarmuzi1225 4 ай бұрын

Assalamualaikum Tuan Apa beza BANK Maybank dan Binance Exchange?

@athiranatasya9333 4 ай бұрын

Salam tuan ...nak tanya blh ke kita sign SPA/SNP kalau guna skim Maybank houzkey ?

@TheUrbanRebel 4 ай бұрын

Nak tanya. Kalau kita beli rumah guna SJKP, dia boleh jamin loan kita 100% termasuk downpayment, legal cost semua dan boleh juga tambah 20% dari harga jual rumah untuk renovate dan beli furniture. Adakah ini bermakna kita akan bayar 120% loan instead of 90% + 10% cash untuk downpayment? so kiranya monthly kita lagi tinggi lah dari beli rumah cara biasa sebab kita bayar loan 120%?

@asyhzmy8815 4 ай бұрын

Tuan Faiz, boleh ke saya report banker, yang mana saya ada bukak ASB, tapi banker suggest bukak ASBF. Saya cakap saya taknak ASBF, saya baru umur 20 saya belum ready nak ada commitment dengan bank, saya pun cuai jugak sebab tak baca betul, terus sign. Sekarang saya nak kena tunggu entah berapa lama baru boleh terminate ASBF tu takut kena penalty. Sedangkan saya dah highlight saya taknak ASBF, tapi banker pandai pandai bukak ASBF.

@pangeran92 4 ай бұрын

Macam saya kena tapi saya buat tapi surrender awal lepas tu nama kena blacklist dengan Maybank.

@amirhamzah9463 4 ай бұрын

dah sign, apa boleh buat,

@hermawansyuffery8025 4 ай бұрын

nak tanya.. boleh tak minta bank untuk turunkn interest rate loan kereta? ke hanya boleh untuk loan rumah sahaja?

@manothkumarpadmanaban8855 2 ай бұрын

Salam en faiz. If housin Loan the bal amt upon death ., in case the installment is paid off within 20 years , we can claim back the MRTA for the bal 10 years . is that true?

@AbuSufia-sb2if 2 ай бұрын

Baru kena loan lulus mintak keluarkan mrtt dari loan terus dia cakap interest akan naik hahahhaa

@mohamadzulhazrynoorhazlan261 4 ай бұрын

Sy dlm proses nak sign agreement, loan rmh. Value 310k, loan 90%, int 4%. Bsn. Mohon advise, ok ke?

@brian5682 4 ай бұрын

So memang xda recourse untuk orang yang kena tipu dgn bank?

@ahmadeqbal3755 4 ай бұрын

Bukan kena tipu. Tapi cust yang gelojoh. Sign semua tak baca agreement, then lepas tu terasa tertipu. Silap sendiri la tak baca agreement. Silap sendiri, sendiri tanggung. Bukan orang lain tanggung.

@brian5682 4 ай бұрын

@@ahmadeqbal3755 U tengok balik video ni, jangan salahkan customer iaitu peminjam pasal bank patut ada accountability untuk explain benda2 mcm ni. Bank ni untuk sales sanggup menipu rakyat marhain untuk keuntungan berlipat kali ganda bayaran walaupun ianya islamic loan tapi keuntungan flexi. Cuba pergi bank terdekat tanya pasal loan rumah untuk rumah kerajaan rm100k bayar sampai rm300k pasal interest saja. Pasal tu kebanyakkan org keluar duit epf bayar habis rumah pasal taknak bayar bunga 2-3 kali ganda

@FarhanNajmi93 4 ай бұрын

Sy nk tnya klu loan rmh full loan 100% brapa interest bank yg normal?

@amiadam522 4 ай бұрын

Betul tu, banker bukan kawan, walaupun dia tu jiran kita. 😂 Dh terkena. Terjumpa ex-jiran yg kerja bank dekat tempat kerja dia. Mcm kena pukau bila dia suruh sy ambik sekali lg loan utk beli ASB, pdhal sy baru jer selesai byr loan utk beli saham ASB utk kali pertama. Lps tu, terus x nmpk muka dia.

@amiadam522 4 ай бұрын

Masa nk byr loan kali pertama hr tu rs senang jer nk kasi setel. Loan yg kali kedua ni, liat betul nk habis. Maybe sbb anak2 dh makin ramai dan makin byk komitmen.

@s112252 4 ай бұрын

This whole concept behind signing letter offer without full understanding is not purely because malas. I will label them naive and ignorant. You x nak baca T&C, x nak faham, means you sendiri terang terang telling others to fool you. To my mind, if one cannot even protect themself (or know how to protect themself), x payah lah susah payah nak ambil tanggungjawah besar such as taking loan from bank.

@zul-fikrimahfudz5056 4 ай бұрын

Salam tn.. Saya baru lepas sign LO untuk rumah 200k interest 4.60% bulanan 1022k.. Adakah saya masih boleh minta bank turnkan interest rate atau kurangkan bayaran bulanan dengan 100% loan?

@hokageke8139 4 ай бұрын

Tak