lol.. agreed.. u also quite free maaaaa 

oh, cause i'm a cleaner, my boss said as long as finish the office and toilet cleaning, then can online. 
U this programmer also free what.  

ckhong, u taking semi flexi loan, right ? what is this diff from flexi loan then?

lol.. unimportant people.. is free..

yup semi flexi loan..
diff is

semi flexi                         
each month chargex              free
every transaction[take out]    RM50                             

full flexi
each month chargex              RM10 per month
every transaction[take out]    free

u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..

seems semi flexi is the right one.
got limitation on number of transaction per month for semi flexi?

elek...
bt each withdrawal is a multiplier of rm1k with min withdrawal rm5k...
depends on ppl de..
some prefer semi..some prefer full...
for me..i take full...need show u full calculation only u can understand the savings between semi n full flexi...

u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..

No need think so much la...

just ask Jooekh kor to point out which & where to buy, then you follow up... he took Full flexible.. then u follow also...then 3 years later...huge gain

**Not guaranteed by me but Jooekh kor..

No need think so much la...

just ask Jooekh kor to point out which & where to buy, then you follow up... he took Full flexible.. then u follow also...then 3 years later...huge gain

**Not guaranteed by me but Jooekh kor..

Yes, can show me? can have an example of this? do u have?
I need a clear picture of this, it would be great if the calculation in in excel format, so that i can see how the calculation is being done.
Do u have one? can share with us? 

haha, can't, can't just follow blindly. U think i so rich like u guys ar, so many property to cover later.
If i failed, then failed. Later cry also no tears. 

put me on table again...

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Added on July 11, 2011, 12:56 pm
i got excel formula..
bt i also lazy to fill up the whole sheet...

hahaha,,,,now u start to ask liao... later will like what Jooekh colleagues said ....ask from Kajang till Cheras ... then Puchong to xxxxxx...
then cover Kota Damansara and etc....

sure today Jooekh go and tell his colleagues fren... hey... in the net got someone like u xxxxxx....

not follow up blindy lah... Jooekh steady & smart one...

just buy Sutera Maya since you are here... support sikit...

just buy Sutera Maya since you are here... support sikit...

why not u give me the formula then i fill up and show u if it's correct? 

flexi loan calculation..
housing loan is based on daily interest rate which will be added every month into our loan amt..
if use flexi loan, the extra money that we put into the acct can reduce the daily interest rate...
let say example...

ur daily rate (without putting extra money into the acct) is rm100
then end of month 28 x rm100 = rm2800 / month..
then this rm3000 is added to ur loan and the daily interest rate for next month will be based on this new loan amt..

but if u got put extra money...
then ur daily interest rate will be like...
1st week = rm100
2nd week u dump extra money to offset interest, 2nd week = rm75
3rd week, u dump more moeny, 3rd week = rm50
4th week u need use money, so take some money out (flexi loan can take out anytime u want), then 4th week = rm75
end of the month = (rm100 x 7) + (rm75 x 7) + (rm50 x 7) + (rm75 x 7) = rm2100

compare above n below, u save rm700...
but this calcualtion off la...coz i use high amt..

the rm75 i mention is the daily interest rate (dont care too much abt the higher value, its jz an example)..
as i menitoned,,,normal rate, ur daily interest will be rm100
but if u put extra money into the ur current acct..this money will not straight go into ur loan but instead used to offset the interest rate (some bank diferent policy, better check properly 1st)..

let say another example, u loan 400K, then the interest wll be ocounted using 400k, let say is rm100/day
but if u got rm5k, u can put this rm5k into your current acct to offset the loan amt..mean the interest will only calculate 400k - 5k = 395k, this would reduce the daily interest rate to like rm90/day

and u can take back this rm5k anytime..

then following week, u got another 5k and u put into the acct, mean the interest for 3rd week will based on 395k - 5k = 300k, reduce to rm80/day

then 4th week, u wan take out 5k for emergency, then interest rate will be 390k + 5k = 395k, rate rm90/day

this is how we play with full flexi loan...

bt take note that full flexi got maintenance fee of rm10/month..

     
i think joe gor.. said last time.. in sutera maya thread also.. lemme find it out
[thou its just an example]  wait har..
this showed how pro joe gor is..  all thanks + credit will go to joe gor.. if by any chance after 5/6 years i'm getting another props for investment.. i will get fully flexi 
since i already in semi flexi now.. so i can't change it [unless i'm willing to pay the charges for changing semi > fully flexi]

hallo...
itu example de..nt too accurate..
i lazy use real example with real calcualtion...
in real life...dont have such a good example de...

I will try to dump in some actual figure and see.
Btw, for the term loan, the interest is only re-calculate every month end by it's balance, right?
It's a monthly basis interest calculation?

hallo...
itu example de..nt too accurate..
i lazy use real example with real calcualtion...
in real life...dont have such a good example de...

quite hard to do the real calculation
cus let say beginning of month.. salary is out.. u put all into the bank..
then first and second week u save some $$.. then when it goes to mid-end of month.. u spend the money.. then from that few last day.. u didnt save up much..
hard to count also if you're trying to save the money from ur salary..
or maybe you're a business man.. early month u dump in 50k > the money have to paid to others.. let say u have to hold on paying him for 2 weeks.. u save 2 weeks $$

i knw its very hard to calculate..
we can use that as a guideline / estimation...
later i try put in more realistic figures..let me settle some work n go meeting 1st...

i knw its very hard to calculate..
we can use that as a guideline / estimation...
later i try put in more realistic figures..let me settle some work n go meeting 1st...

cohee lover gonna thank u so much
u might just have a thank u kiss/hug from her 
i also thank u for the calculation..  but no kiss/hug since u and I also not going to give/receive one  HAHHAHAA