Progressive INTEREST? Beli Rumah? [Property] Banyak benda kena bayar!

Ha, ramai yang tak tahu ini, dah sign loan agreement, baru tahu kena bayar. Bayar apa? Bayar progressive interestlah masa beli rumah. Eh, progressive itu kan bagus maknanya kita ke depan, kita untunglah. Haha, yalah itu. Macam I selalu cakap, bank ini kan adalah satu profit-making entity, maknanya dia wujud untuk buat keuntungan
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00:00 Intro
01:00 Tiga jenis cara beli rumah
02:38 Schedule of Payment
03:26 "Progressive Interest"
04:25 Kenapa bayar progressive interest?
05:01 Interest/bunga vs. Instalment
06:02 Masa construction bayar bunga sahaja
06:40 Contoh: Rumah RM500,000
07:27 Kira-kira bunga/interest
08:09 Daily-rest, cas setiap hari
09:27 Progressive interest naik tiap bulan
11:21 Bloopers
#financialfaiz #property #progressiveinterest
Progressive INTEREST? Beli Rumah? [Property] Banyak benda kena bayar!

[@FinancialFaiz]

🌐 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 ➜ [e-mail] 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!

[@faridishak5953]

Terbaik.. Manfaat ilmu yg sgt berguna..tqvm tuan

[@mahmoodsahar]

Salam tuan Faiz. Boleh tahu tak, ketika progressive interest ni, jika ada duit lebihan, adakah kita lebih baik bayar principal atau simpan dlm ASB? Kalau ada video penerangan sgt saya hargai

[@hisyam2121]

JOM kita support channel tuan Faiz yang bermanfaat ni dengan TAK SKIP IKLAN... Ilmu yang Tuan Faiz share ni sangat bermanfaat. Hadap lah sekejap iklan tu walaupun ada yang dekat 5 minit. 😅

[@syafiq3543]

Ad eh iklan? Aq rse smua dlm video tu ilmu baru. Dgr je smpi abess😍😍

[@hisyam2121]

@@syafiq3543 Maksud aku KZbin punya Iklan, bukan iklan yang Tuan Faiz dok promote. Bila tak skip iklan, sekurang2nya content creator akan dapat income tambahan. Sebab tu ada team ASIK (Anti Skip Iklan) dalam channel Azfar Badrul. Lagi banyak orang tengok iklan sampai habis, lagi banyak youtuber tu dapat income, lagi banyak dia tolong orang. Secara tak langsung kita pun tolong sama youtuber utk create lebih banyak content yang bermanfaat.

[@syafiq3543]

@@hisyam2121 oh yeke. Sry sbb aq pkai utube premium😅. Xde iklan

[@hisyam2121]

@@syafiq3543 wahh!!! Untung laaa. Tapi ok jugak boleh support youtuber. 😁😁

[@FinancialFaiz]

Tq3 for the support

[@syafiq3543]

TQ tuan Faiz sbb share knowledge nie.sy bru sign S&P agreement smlm dgn lawyer dan die ckp psl nie sy kurang paham. bile tuan faiz share trus faham!. TQ :D

[@FinancialFaiz]

Alhamdulillah dpt membantu, semoga matlamat sya mewujudkn channel ini dapatmemberi manafaat kpd semua

[@MrDalimahat]

terbaik Tuan Faiz, klu boleh nk part 2. penerangan yang jelas dan mudah difahami. sy dah sign snp awal tahun hri tu. mmg bank ada explain tp x berapa faham sgt. skrg bru faham..

[@ahmadfitri3662]

Semakin cantik editing, makin menarik org nak tgok.. terbaik 👍👍👍

[@FinancialFaiz]

Thank you!

[@senariahabdlatif2863]

@@FinancialFaiz cuma baju x tukar 😁😜

[@FinancialFaiz]

Baju rezeki nih haha

[@syakinahfaudzi1777]

Terbaik Financial Faiz 👍🏻 I suka dengar your explaination esp with example. Senang faham 👍🏻👍🏻👍🏻👍🏻👍🏻

[@MrBebot21]

terbaik tuan faiz..setiap video ade je tips ilmu

[@FinancialFaiz]

saya cuba yang terbaik

[@MrFahmiazman]

very clear explanation !!! terbaik !!!

[@FinancialFaiz]

Glad it helped!

[@aliffadam4176]

Terbaik.. Manfaat ilmu yg sgt berharga 😍😍👍🏻👍🏻👍🏻

[@khairinnabilaidrus7892]

pekerja kerajaan tak perlu byr kan ?😕

[@ridhzwanrashid3218]

Wow. New look la kali ni, siap ada background. Terbaik 👍👍👍

[@sahliwafiqsamoinulraseil7116]

terbaik channel Financial Faiz ni, makin lama makin cantik video heheh 😂😂😂saya baru umur 19, banyak dapat manfaat dan ilmu dari channel ni. Terima kasih channel Financial Faiz 😘

[@FinancialFaiz]

sama2~ share my channel dgn kawan2 ye

[@sriwati7476]

Semakin faham term2 kewangan yg bank guna. Terbaik. Share pd femly spy smua ada pngtahuan. Moga pahala trus mngalir berkah tuan brkongsi ilmu yg brmnfaat kpd msykt. Aamiin.

[@FinancialFaiz]

Aamiin ya robb!

[@redzabahrefi1273]

What if, bayar installment yg sepatutnya kena bayar selepas da dapat kunci tapi bayaran start buat ketika rumah masih under construction ?

[@zarithzarizal529]

Salam tuan..maksud nye 10% yg di bagi tu bank akan tolak sepanjang progress fee ke? Maksudnye smpai siap rumah...kalau sy buat kire2 dh smpai 50% untuk rumah 400k Progress fee dh jdi anggaran rm1600...otak sy Ni kdg pickup Kdg sangkut kt gear 2 Tuan...Faktor umur..tlg jelas kan tuan ...🙏

[@TheJlm2947]

betul ke tuan, rumah under construction ni. kiraan montly installment dia lain? mcm sy, dia letak 3 tahun rumah siap, total loan 35 tahun. tapi kiraan monthly ikut selepas rumah siap which is 32 tahun walhal tempoh pinjaman 35 tahun contoh rumah 150k loan 35 tahun = monthly 700++ tapi sebab under construction 3 tahun = monthly 800++(kiraan loan 32 tahun)

[@hazrilhanzar]

Alhamdulilah I learn new topic today...terima kasih Tuan Faiz.

[@FinancialFaiz]

Welcome!

[@muhammadzulkiflee4055]

Fuhhhh...xsesia aku ngadap kelas tuan faiz ni...mmg terbaekkkk...😁😁😁

[@FinancialFaiz]

Semoga bermanfaat

[@zahrain1979]

Very important knowledge nie👍

[@FinancialFaiz]

Glad it helped

[@ismimohd8036]

terima kasih tn ilmunya...

[@BILZA]

Perghh bestt ah dgr pencerahan cikgu Faiz

[@mohdradzuanibrahim3463]

Satu penjelasan yang jelas dan tak ada yg tersembunyi.. terima kasih bro Faiz

[@FinancialFaiz]

Tq for the support

[@candilier]

Terbaik…. Tqqq

[@izzat-hamid]

terbaik tuan! ilmu baru untuk saya

[@FinancialFaiz]

Alhamdulillah

[@michaelpramaha2295]

Thank you Mr Faiz

[@FinancialFaiz]

Your welcome Michael as usual

[@tunzulatfi]

Tq tuan faiz, sekarang baru sy faham..rumah yg sy beli sekarang pun still dlm construction..sebelum beli tu agent tu ada ckp yg sy tak perlu bayar apa2 sampai dpt kunci..tiba2 tiga bulan lpas bank bg tahu kena bayar progressive payment dari 350 sekarang dah jadi 950..sakit hati jugak dgn agent mcm ni tak terangkan semua secara detail, sedangkan ini rumah pertama saya jadi dah tentu sy sendiri pun tak tahu apa procedure..harap tuan dpt buat video yang penuh manfaat seperti supaya kami semua dapat faham dengan lebih mendalam

[@FinancialFaiz]

Thank you for validating my point about agents/jurujual memang susah nak explain benda2 macam ni. Sebab lebih banyak you tahu, lebih banyak you tanya, lebih lambat you nak sign. Agents of all pelbagai memang prefer that you close the deal as soon as possible. That is their sesuap-nasi kan, memang tak boleh dielakkan. Isu betul-salah I tak nak cerita lebih-lebih, only you sebagai pengguna boleh stand against this Macam mana nak lawan? EDUCATION. KNOWLEDGE. Jadi lah pengguna yang bijak, yang banyak tahu dan banyak soal balik. Jangan jadi "client mudah closed" atau "client bodoh" "haha senang gila aku closed mamat tadi tu, dia tak tahu apa2, semua benda aku cakap dia percaya, dia ambil. Because I am such a bloody awesome salesman"

[@shazwanzafran2494]

boleh tahu berapa harga tuan beli rumah tu...

[@tunzulatfi]

@@FinancialFaiz hurm tu la..xpela benda dah jadi.. so hadap je la..

[@tunzulatfi]

@@shazwanzafran2494 dalam 570k

[@shazwanzafran2494]

​@@tunzulatfi tkt dgr tuan kena byr progresive tinggi begitu tpi rumah still under cons...

[@keretalama]

Perkongsian yg menarik

[@adamalias8345]

Terbaikkkkkk di atas perkongsian tuan

[@kasvinimuniandy4178]

👍👍👍👍 Terima kasih! Senang nak faham!!

[@RNaren7]

Hi Faiz. Very good video on progressive interest. May I know if a customer can request for instalment payment to kick start during the progressive interest period? If so how and will that be beneficial to the customer due to not having interest on a higher sum when full drawdown is made. Hope you can cover this in another video.

[@goldenhour9488]

Cannot because of the bank release the loan of customer by schedule. Of customer pay in advance bank have to ammend the progressive interest.

[@muhdnurali2505]

Detail..memang padu tuan

[@FinancialFaiz]

terima kasih~

[@prakashpk23]

Terima Kasih Tuan Faiz 💖

[@FinancialFaiz]

Sama2 ye!

[@syazwanmutalib8334]

Terbaik, baru saya faham lepas tonton video ni 👍👍

[@FinancialFaiz]

Thank you Syazwan!

[@rayzeckz4573]

Sakit bayar progressive fee serentak dengan sewa rumah semasa. Da la rumah tu tak dapat lagi, tapi masih kena bayar progressive fee

[@faizzamri8120]

Salam Tuan Faiz, saya rasa maybe kena ada part 2 untuk topik ni. Sebab saya rasa penerangan topik ni agak 'deep' untuk sesetengah orang dan mungkin perlukan pemahamam lebih. Sebab saya sendiri pun ulang 2x kali baru faham. Terima kasih tuan

[@FinancialFaiz]

Insyaallah, boleh²

[@farhansiddiq7826]

Penjelasan yang jelas dan padat. Terima kasih kongsikan ❤

[@KaizerZH07]

Saya nak faham balik, kira progressive interest ni cuman bayar interest je eh? Dia x tolak principal langsung ek?

[@mohdamin87]

Terbaik tuan. Kipidap :)

[@FinancialFaiz]

Don't give up!

[@fadhlulimran5935]

Salam Tuan.Video terbaik,makin berwarna warni.Tapi mungkin background music kuat sangatt,itu pada saya la,orang lain maybe rasa okayy.

[@FinancialFaiz]

noted on the background sound.. will discuss with editor

[@nurulizahahsing4412]

nice info.😀

[@FinancialFaiz]

Glad it was helpful!

[@adnan_cheese]

wahhhh ada background baru... yeahhhh

[@ibrahimahmad4293]

Terima kasih kepada info terbaik semoga Allah amin

[@abesmats4198]

terbaek tuan

[@hasiefnaqiuddeennaqiuddeen1861]

Salam Tuan Faiz. Betul tu. Kena ada part 2. Kesan kalau developer benkrap n apa jadi pada buyer. Terima Kasih

[@FinancialFaiz]

sure, memang ada to buat topic tu

[@hasiefnaqiuddeennaqiuddeen1861]

@@FinancialFaiz thank you Tuan Faiz

[@nazedit3709]

klu bayar progressive payment rm300 selama 3 tahun dah total 10k. spa dan lain2 fees 4k anggaran. rumah dah siap buat grill 2k, lighting 2k, tabletop 2k. daftar meter syabas/tnb/unifi. kemudian baru bagi sewa bare unit. jumlah duit dah keluar lebih kurg 20k. kadar sewa bare unit rm800-900 . maintenace fee pula kena bayar rm200

[@helmihelmimmi9039]

Bgs sgt di bahasa Melayu, terima kasih bos

[@none3759]

Betul sangat2 di minit ke 5:09 tu, ramai pembeli ingatkan Progressive Interest tu adalah Monthly Installment rumah.

[@azlilatif2627]

Sangat2 membantu Saya Tuan tm kasih

[@finayaakob3181]

terbaik🎉

[@mr.s3567]

Salam, Encik Faiz. Tq kerana buat video penerangan pasal Progressive Interest nih ! Mmg terbaik. Kalau dari dlu ada org jelas kan mcm ni kan senang. Org bank explain krg faham. Btw ada satu soalan, konfius jap. Skrg ni sy bayar progressive interest Rm700+ setiap bulan. Then kt dalam agreement tuh tulis installment Rm2k+ sebulan bila rumah siap nnt. Mean sy kena bayar both ke bila rumah siap ? Ke progressive dah xyah bayar bila rumah siap ? Lari plan lah dan bajet bulanan dah nnt 😅

[@FinancialFaiz]

Bila dah dapay kunci, bank dah fully disburse the loan, dah boleh start bayat installment, tak perlu bayar progressive interest lagi

[@mr.s3567]

@@FinancialFaiz Okay jelas ! TQ so much En.Faiz ! btw Road to 100k subs (:

[@nekonara]

@@FinancialFaizso basically progressive interest will not reduce the loan amount la kan? since bayar bunga je

[@FinancialFaiz]

Correct! So be careful when buying underconstruction. These are basic things that sadly plenty of property buyers do not know. Main beli je, ingat beli sayur ke?

[@nekonara]

@@FinancialFaizaduh dah terbeli "sayur". why then orang cakap "rumah under con murah"? kena lagi banyak topik pasal ni 😥

[@muhamadnuraffieq370]

Sir,, boleh tak present include info graphic, I’ve questions for you, example: Bank realese 10/15/20/25%,, setiap nilai yg di kenakan akan berubah berdasarkan progress projek sehingga siap. Lets say project 1-2 tahun xperlu bayar, then tahun 3-4 dah start progressives interest. 1. I nak tahu aliran duit tu akan membuat kan total nilai interest kita berkurang atau tidak (hutang)? 2.Berapa per-cent berkurang. 3.Apakah kesan seandianya terlewat bayar progressives 4.Pembayaran tu adakah ada pecahan lain (like 90% interest + 10% insurance rumah) ,atau fully payment to bank? Hope boleh share info,, tq 👍🏻

[@minma02262]

Mr faiz is the best.

[@FinancialFaiz]

Thank you Ravin!

[@danielfayyadh8576]

Baru saya faham

[@FinancialFaiz]

Alhamdulillah

[@dr.lathahg2901]

So it's mean we gonna pay only interest for 3 to for 4 years until the project is fully furnished than we start our instalment for 25 to 35 years. Wah bank really making good money. 👍

[@FinancialFaiz]

Exactly. Thats how it is set up. Thats why some people refuse to buy under construction projects

[@thehighlighter1525]

yang sedih nya banyak rumah selangorku under construction projects@@FinancialFaiz

[@zarifjumaat1944]

Salam Tuan. Thanks and very good sharing. Boleh tak explain more tentang kesan x bayar progressive pymnt ni dan apa pilihan yang pembeli ada jika tak mampu bayar progressive pymnt ni?

[@FinancialFaiz]

Soalan dan jawapan pendek. Nanti saya jawab di tiktok

[@srawutawaebesa3572]

Salam tuan faiz sya nak tahu apa jadi klu meninggal masa progressive adakah mrtt mrta cover hutang loan kita

[@RNaren7]

Hi, I would like to ask, if I am doing progressive interest payments, does it reduce my interest portion over the period of 35years? Or do I actually pay interest more as the final disbursement happens only about 2 years after signing of spa? The above question is without asking the bank to kick start progressive instalment, only progressive interest.

[@hnfnamia6605]

Hi, i asked multiple property agents and confirm it with banker. Progressive interest does not reduce the loan interest. Basically you are paying progressive interest + loan

[@hannanirezel2051]

So sad 😭 loosing more money

[@honeystudioofficial2526]

assalamualaikum..tuan..harap tuan dpt buat video tentang principal reduction untuk pendekkan tempoh pinjaman dan kurangkan kadar interest next ya😊

[@ez450]

parking

[@hafizazis7185]

kalau boleh, jangan letak background music tu tuan. Agak mengganggu fokus & pendengaran. Haha.

[@qayyimismail4254]

Terbaik

[@mohammadfirdaousmohdarof4848]

Salam En Faiz. Saya tak jumpa topic 5% last payment dalam schedule progressive payment tu 😅

[@petaipetai5921]

Dah sampai masa kerajaan buat Dasar Pemaju kena siapkan rumah baru bole Jual . Pemaju juga kena submit harga cadangan Jual .kerajaan kena kawal harga Jual Tiada pencaturan harga rumah Yg utama kerajaan kena haouskan semua undang2 pematuhan pembinaan rumah supaya Kos dapat dikurangkan Kerajaan kena buat undang2 syarikat TNB. ..bekalan air Dan Majlis daerah kena rangung semua cost . Pembeli hanya tanggung cost dlm rumah sahaja . Jika tiada perubahan Dasar ...future rakyat Malaysia yg tidak miliki rumah Semakin ramai . Dimana Dasar kemanusian ...setiap rakyat berhak memiliki rumah basic APA yg tak kena Dasar perumahan negara ...dah merdeka masalah ni bukan Makin berkurang ...malah Makin memburuk ? Bukit menteri perumahan tido . Masing2 hanya fikir tembolok sendiri .

[@FinancialFaiz]

perhaps. tapi itulah, kerajaan pun kena jaga kepentingan byk2 pihak, bukan rakyat je. This question is way beyond me for now hahaha

[@senariahabdlatif2863]

@@FinancialFaiz hai tuan faiz, BTS TBS ke teori je, developer x mampu

[@nuraifaapahlavi8297]

Pemaju pn kroni jgk..xpon bff org politik.. jd undang2 mmg jaga geng2 diorg lah

[@faridaiman146]

Salam En Faiz. Untuk diskaun PTPTN bole suggest x whether nk apply direct debit 10% or full settlement 15% lg berbaloi. Tq

[@Abgyus76]

Slm tuan. Boleh bagi info tak cara2 nak beli tanah individu. Step by step..saya kurang arif pasal nak beli tanah ni.. .. Apa yg perlu kita periksa sebelum nak beli.apa yg perlu kita sediakan.. Cara nak dapat kan peguam.. . Tq jugak pada tuan sbb bg info pasal load lidi.... Niat mmg nak beli terus tak jadi . 😁

[@FinancialFaiz]

cara nak beli tanah ye, ok boleh insyaAllah

[@CIKGUAd]

Background cntik...=)

[@FinancialFaiz]

Kan!

[@izzahderham2163]

Sir, do mind to share more why moratorium causing the whole cost of financing increased.

[@ariffmuzamel7857]

Salam tuan faiz, saya nak tanya jika loan bayar lebih, adakah akan memendekan tempoh pinjaman dan dapat kurang dari interest dikenakan? Sepertimana aplikasi loan culculator.

[@muhammadhafizuddin9673]

Salam tuan faiz nak tnya progressive payment yang kita bayar tu tak de portion principle ke

[@threemglobal]

Mantap

[@m.o.h.d3220]

slm tuan, boleh ke bank caj progressive interest under construction lebih dari bulanan bila rumah dh siap nanti, katanya developer yg claim mcm tu, contoh bulanan sebenar x 35 tahun 500 tapi bank mintak bayar progressive interest 800

[@Mcflytribe]

Tuan Faiz, sy ada 2 soalan. 1) Macam mana kalau projek perumahan tu terbengkalai? Adakah bank masih charge interest? 2) Apa pandangan tuan tentang investment dalam cryptocurrency seperti bitcoin, ethereum dsb?

[@ez450]

parking

[@axelrod1168]

Awesome video. Thank you Sir.

[@FinancialFaiz]

Tq for the support

[@NorfaidhiAkram]

Backdrop baru!

[@FinancialFaiz]

Demi penonton saya berkorban

[@daddyraffles7083]

Tak sabar nak tunggu sambungan video ni... berkaitan bayaran 5% terakhir dalam jadual progressive payment itu.. Mohon Tuan Faiz selitkan juga bayaran berkaitan perfection Of charge oleh lawyer apabila strata title telah dikeluarkan oleh pihak berkuasa

[@FinancialFaiz]

sure boleh, byk topic nakcakap ni

[@daddyraffles7083]

@@FinancialFaiz 👍👍👍

[@nekonara]

@@FinancialFaiz yes please!

[@azrulkuyakob1179]

Hi En Faiz. Let say kita bila rumah under construction. Buat loan 35 tahun. Our 35 years start after sign SPA ke? Or is it after we start pay installment (principal + interest).

[@goldenhour9488]

Loan akan mula bayar selepas project siap. Sebelum tu kene bayar progressive interest sampai project siap.

[@amirulizzatradzi5979]

tak best ada music dekat background. Nak faham jadi distracted dengan music

[@FinancialFaiz]

Terima kasih di atas pandangan

[@kubeyran]

Hai Faiz, need your opinion on housing loan. Is it advisable to pay more during the progressive interest for a house under construction? I hear some say that it’s not worth to pay extra during progressive interest but I’m not sure why. Scenario :- House worth RM500k.. Phase 2 (RM50k is the current loan outstanding and progressive interest would be around RM130 (Interest Rate = 3.95%).. Full Flexi Loan (Maybank).. Could you please share your thoughts regarding extra payments during this stage? Thanks.

[@Nerzification]

Just my 2 cent Progressive interest ni based on principal amount, so if bayar lebih, bayar as principal ke bank. Thing is, progressive interest takkan berkurang, loan term je berkurang

[@threemglobal]

Mntap

[@meorfaiz9810]

Sy pnah keje sbagai customer service bank .n mmg ramai pembeli rumah dalam pembinaan tk tau pasal PI ni...ia sgt rugi utk pembeli sbb ni byar interest je...masa bli mmg agent or banker tk ckp..last last nyesal...alhmdullh sy mmg ada ilmu ni...mmg nk elakkan bli rmh under construction...nk lg nyesal kalo bli rumah under construction yg tergendala....byar je smpai bebila...rmh tkdpt...

[@FinancialFaiz]

Ah yes actually nak masuk list topik pasal rumah pembinaan tergendala soon.

[@AinaaHadirahZ]

Nak tanyaaa, so once rumah dah siap, barulah installment bulanan bayar for principle and interest kan kan? Ooo

[@pharhunt2989]

Tuan Faiz boleh try buat next video tanpa background music. Tengok camne.

[@FinancialFaiz]

YEs, try je kali ni. apparently ramai juga orang tak suka the background music

[@syakirzlqr9]

Hi En Faiz, just wondering.. so is it better utk beli rumah time dekat2 dah nak siap so that tak perlu byr progressive interest? for some cases mcm rumah selangorku, price ceiling wont go higher than what lphs dah tentukan, i believe.. so developer tak boleh naikkan harga rumah (tpi up until some point je kot). cuma the risk is, kita maybe tak dpt the best or desired unit la sebab org lain dah grab dulu.

[@FinancialFaiz]

Hahaha not just you save on progrssive interests, sometimes sebab tak habis jual, the total rebate given to later buyers are higher than rarly birds. True story for a development i know in Putrajaya, and ive been told this applies to many others

[@syakirzlqr9]

@@FinancialFaiz thank you En Faiz, very quick response! hehe tpi ada one more question. i was told by the dev yg this progressive interest that we pay will somehow lessen the overall interest (from installment), i might understand this wrong tho. but from your video, looks like customer or consumer is on the loss side.

[@FinancialFaiz]

Salespeople bullshitting potential buyers. What else is new?

[@syakirzlqr9]

@@FinancialFaiz 🤣🤣 i can already tell something's fishy from the way they explain when i asked this question. so yeah.. i probably wait next year then since it is expected to complete end 2023. at least sebelum all good units are sold out. thank you again En Faiz! 👍👍

[@sysyar6583]

Hi syakir,bole bg emel x ? Sy ada concern perkara yg sama... situasi yg sama. Nak bincang sikit tq

[@bebelstory]

En hafiz… apa yg akan jadi lepas owner dpt kunci… hutang terkumpul total akan dibayar + interest yg baru atau duit yg release masa pembinaan dilakukan tu tidak dikenakan interest…?

[@Nerzification]

Progressive interest ni pure profit untuk bank, lepas dapat kunci, monthly macam biasa

[@wdjayy4243]

Salam Encik Faiz...Currently saya sedang bayar progressive interest melalui standing instruction di bank bagi property yang saya beli which is under construction. Dalam masa yang sama, saya bayar extra money secara manual deposit in internet banking melebihi dari jumlah sepatutnya yang saya kena bayar for monthly repayment. Adakah extra money yang saya bayar dalam tempoh rumah masih under construction ini akan mengurangkan principal? My idea is even i take the maximum tenure, but I want to settle the loan earlier. How i wish to be debt free before 50 years old

[@senariahabdlatif2863]

Kena negotiate dgn bank, ambil flexible loan utk cepat settle principal dan kurangkan interest.😄

[@FinancialFaiz]

Correct.

[@wdjayy4243]

@@senariahabdlatif2863 yes saya ambil pakej semi flexi housing loan sama seperti loan2 rumah saya sebelum ini...di mana excess payment amount yang saya bayar boleh dikeluarkan kembali anytime jika mahu...tak salah saya bank kata kena bayar RM50 fees jika nak withdraw the excess

[@wdjayy4243]

@@FinancialFaiz noted Encik Faiz

[@aqmarfirdausmohdfauzi3462]

Tuan Faiz, kalau kita dah bayar interest during construction period, adakah dia akan tolak siap2 interest amount under instalment after rumah dah siap? Bila pula instalment untuk tolak principal akan mula kena bayar?

[@FinancialFaiz]

Tidak! Bunga ni semata-mata keuntungan bank, bila bayat installment kena bayar bunga lain pula

[@muhammadazfar5770]

@@FinancialFaiz tlng tekankan isu in tn. Faiz. Ramai yg tak sedar perkara ini, baik & buruknya. Mcm mana nak elakkan perkara ini berlaku.

[@senariahabdlatif2863]

@@FinancialFaiz utk loan rumah, bank akan bayar bunga dulu, 80/20 to principal. Thn ke 5 baru 20/80 to principal. Terbalik dgn motoring loan, bayar principal dulu then bunga 😪😳

[@nekonara]

@@FinancialFaiz ohh.. so bila orang cakap "beli rumah under cons ni untung sebab murah" maybe direfer kepada bayaran bulanan masa rumah masih dibina which is progresssive interest lah kot? walhal kalau campur interest loan + progressive interest dah jadi tak murahlah! (betul tak?)

[@FinancialFaiz]

No they are actually referring to the actual prices plus all the cashback and rebates. But they forgot to mention all the risks and liabilities For example the interest paid during construction, known as the progressive insterest is entirely profit for the bank (less their cost of funds but that is for another story) There have also been instances where later buyers of a project got better rebate deals from the developers to get rid of stock, so earlier buyers had to pay more progressive interest and received fewer perks Properties man.

[@zulkifliabdullah6972]

Beberapa bulan lepas sign snp banker pun ada terangkan pasal ni...

[@aliffzulkifli8112]

hujung bulan 1 tahun dpn dah kene byr progresive interest pertama..baru nak merasa bebas hutang sekejap

[@nzmcr77]

ada tempoh ke utk developer siapkan rumah? buatnya terbengkalai bertahun2 duk bayar bunga je.. rumah tak siap2.

[@afas9360]

financial faiz, saya nak tanya ..saya ada balance personal loan 11k bulan2 rm300 under angkasa.. bulan depan sy dapat keluarkan kwsp 11k...jadi soalannya,adakah saya patut settelkan loan atau 11k tu sy simpan je dlm asb2?

[@FinancialFaiz]

depends on personal loan interest. if higher than ASB2 returns, settle the loan

[@powerrangers16712]

if effective personal loan rate lagi tinggi vs asb dividend, elok bayar loan. biasa bank quote flat rate utk personal. kalo effective lagi tinggi (rule of thumb 2x)

[@afas9360]

@@powerrangers16712 tgk situ interest die 2.7% je..bulan2 300..lupe plak brape tahun..

[@afas9360]

@@FinancialFaiz interest die 2.7% je..sbb personal loan under angkasa

[@KumeresenVairavan]

Terbaik sir. Really helpful and please keep going and really appreciate your sharing!

[@noratiqahmahmood6399]

Slm tuan, boleh share LAD dikira based on SPA or tarikh booking property.. Developer ckp based on spa, tp sy ade terbaca ikut tarik pembayaran booking.. Mgkin utk content akan dtg

[@akukumucik]

Tarikh sign agreement.

[@farhan9107]

Banyak orang terlepas pandang bab ni

[@FinancialFaiz]

Will cover LAD sometime soon ye

[@sidi67890]

Assalamualaikum tuan, sy gov. servant dan bercdang nak beli rumah, tp bleh ke sy beli rumah guna skim my 1st home dr bank

[@effa2129]

Tq so much bg penerangan pasal ni.. bru je beli 1st rumah.. rumawip.. masa nak apply tu seller kata "rumah akan siap 2026, nnti dpt rumah baru byr installment. Slagi x dpt rumah, x perlu byr.." So kita mcm ok la.. sbb target 2026 nnti gaji dh naik, dh ok.. last2 bila loan lulus, nak sign.. dia baru bg tau psl progressive interest ni.. Kenapa la x bg tau awal2 kan.. so that pembeli ni boleh fikir dh cost apa yg perlu dikeluarkan dr awal utk beli rumah ni..

[@FinancialFaiz]

like i said, and ada la agent sorang tu marah2 sebab I said this. You sebagai pembeli has to be aware of the words that come out of their mouth (or things that they do not say). Sebab bila dia cerita banyak2, you akan tanya banyak2 dan paling penting is that you akan fikir banyak2... dia tak nak la, dia nak close the sales, they are commission-earners. Sama la semua industri. Jual rumah ke, jual kereta ke, jual perabot ke, jual takaful ke... That is the nature of commission-earners. They can only earn as they close the deal, diorang mana la ada gaji. Bukan buat kerja tak-halal, tapi kita sebagai pengguna kena lah jadi lebih bijak - hati-hati semua benda yang diorang cakap atau tak cakap. You kena tahu-menahu sebelum jumpa diorang nak beli. Standard tactics diorang selalu pakai? Create urgency - "can you imagine if you mati bila balik rumah nanti? Better you beli sekarang, ada 15-days grace period" things like that are being trained by the agencies to their agents. Kita sebagai pengguna kena tahu benda2 ni supaya dapat jadi pengguna yang BIJAK

[@aliffzulkifli8112]

beli rumawip mana sis?

[@effa2129]

@@aliffzulkifli8112 rumawip jalan ipoh

[@khidhirkhiruddin6163]

Baikkk

[@FinancialFaiz]

Alhamdulillah

[@jaliyahabubakar2183]

Tuan faiz.. saya beli rumah guna loan bank biasa.. ok ke jika saya nak convert loan bank ni ke loan government?

[@Qs7452]

Hi, nak tanya Let say condo ada dua block. Block A bayar progressive interest lebih awal dari block B and end up VP sama sama. Is it owner from block B lagi untung? Sbb dia punya progressive interest baru bayar halfway je pstu dh dpt kunci?

[@nurelmyr]

If boleh explain in english and subtitle malay or otherwise . At least sign s&p in real xdela gopoh gapah sbb dah study n financial faiz

[@mohdyunos5286]

En Faiz saya nak tanya kes default payment macamana bank charge interest

[@FinancialFaiz]

biasa bakn akan naikkan kadar interest kalau default

[@narvin3]

Salam Hormat Tuan, Saya baru survey rumah tadi, dalam proses pembinaan dan dijangka siap hujung tahun depan mengikut kata pemaju tetapi 2 tahun mengikut kata Ejen, Cuma show house je ready dan padang semua dah siap, mmg saya faham progressive interest tu hisap darah dan mungkin untuk setahun kena bayar or mungkin lebih tapi harga rumah juga mungkin naik dalam masa tu, itu juga dilema untuk kita kan? Sebab dia ada dua fasa dan fasa satu yang belum siap lagi pun sudah almost habis booking. Kalau tuan nak beri pendapat bagaimana yeah? Bank boleh keh suruh bayar straight away? Nak beli kemudian risau dapat lagi mahal, mmg sales person akan bullshit dan bodek, especially ejen, so saya minta masa untuk respond, tak bayar booking straight away, I need your advice, it's not cheap though 568k tolak rebate semua jadi 544k.

[@mohammadsyaril8028]

maaf tuan nk tnya.. kalau construction delay disebabkan pandemik mcm skrg nie.. means duration utk kita bayar progressive interest nie akan panjang jugak ke?

[@FinancialFaiz]

correct. that's why kena hati2 hen buying undercon properties