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> KWSP-cara keluarkan $ dari akaun 2., how ah ?

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snetha11
post Apr 10 2012, 08:44 AM

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rasanya itu saje kot leh kuarkan. utk beli rumah kedua x pasti.

eh wait. utk beli unit trust boleh guna akaun 2 jgak! smile.gif
snetha11
post Apr 10 2012, 08:47 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 08:45 AM)
apo tu?  brief sket  hmm.gif
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huhu. kena elaborate ke? jap x sure. tp rasanya leh pakai akaun 2 utk beli unit trust la, from public mutual ke, cimb ke. tp the returns still akan masuk balik ur akaun 2.

pasal rumah kedua tu x sure. ingat nk check jgk dgn kwsp tp xsmpt nk tanya lg
snetha11
post Apr 10 2012, 08:50 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 08:48 AM)
oh thanks bro .
kang da dapat jawpn,bgtau aku skali eh. hehe
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ok. baru check. investment in unit trusts from akaun 1

akaun 2 utk pengeluaran utk byr downpayment rumah sahaja. tp actually kalau dah dpt duit tu, leh je gunakan utk invest kt unit trust. and we keep the money.
snetha11
post Apr 10 2012, 08:54 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 08:52 AM)
tp kene tggu umor 55 taon is it ?
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tidak.

aku baru 25. aku kuarkan je akaun 2 aritu utk bayar downpayment rumah. actually kau kena sign S&P dulu, stamped it, and bwk some other relevant documents utk kuarkan from akaun 2 tu. xyah tunggu 55. dkt website kwsp ada list kan the relevant documents yg kau kena bwk
snetha11
post Apr 10 2012, 08:57 AM

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so basically. bila kau withdraw EPF from akaun 2, kau dah kena bayar dah downpayment for rumah tu bro. so bila dah kuarkan duit tu, kau either bleh pakai utk renovate the house, or invest la kt unit trust. or u can invest in gold (tp timing mcm dah x best, harga tinggi sgt).

or sedekah je kt aku. hohoho
snetha11
post Apr 10 2012, 08:59 AM

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QUOTE(AsuKi @ Apr 10 2012, 08:55 AM)
fuuuu 25 edy buy home? ayam jelly
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i know ppl who bought their first house at even younger age than me. >_<
snetha11
post Apr 10 2012, 09:02 AM

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QUOTE(downto3arth @ Apr 10 2012, 09:00 AM)
opps slah...
utk unit trust akaun satu jer...
akaun kedua mmg tuk bli rumah...
tp kalau korg nk duit jd lg byk (long term) mmg elok benar masuk unit trust...
nk tau lbih info gtau haku... flex.gif
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kalau rumah kedua, bleh kuarkan from account 2 lg x? or kena tunggu jual rumah 1st baru leh kuarkan lg duit epf from akaun 2 utk cover balik downpayment rumah kedua>?

sorry belit2 sket. harap kau paham
snetha11
post Apr 10 2012, 09:08 AM

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QUOTE(downto3arth @ Apr 10 2012, 09:06 AM)
jap222...maksud ko nk bli umah ke2...nk kuarkn duit dr akaun ke2 lg sekali?
baki ade byk lg x?
same x mcm ko tny?
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dah beli. so now nk cover balik, aku mcm nk kuarkan duit epf. aha ada lg baki dlm tu. sbb x silap aku, leh withdraw within 3 years after signing s&p kan? so basically should i decide nak kuarkan from akaun 2 in another 2 years (tp still within the 3 years time frame), so bleh ar kuarkan? even though x jual lg rumah 1st?

sbb aku dgr byk opinion. confused sekejap. ada kwn ckp kena jual umah 1st baru leh kuarkan duit akaun 2 epf utk rumah kedua. since kau penah keja epf might as well tanya saje
snetha11
post Apr 10 2012, 09:11 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 09:10 AM)
yeah,this 1 i know already, but they will do the process right ? i mean, they can`t give us the exact money and we go to pay ourself right ?
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sounds devious. mcm nk gunakan duit epf akaun 2 utk benda lain jerr tongue.gif.

nak kawin ke? haha rclxms.gif
snetha11
post Apr 10 2012, 09:14 AM

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QUOTE(downto3arth @ Apr 10 2012, 09:12 AM)
erm...xde dah rase nye reason lain bro..
nape bro...lu mcm desperate nk gune duit je...
nk wat personal loan ke?
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kalau bleh jgn wt personal loan. interest rate tinggi gila.
snetha11
post Apr 10 2012, 09:15 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 09:14 AM)
Haha, kind of la.actually aku baru start keje kat KL .so permulaan ni byk jgak nak kene gune duet,nak bayar duet kete lah,sewa rumah 1x3 lagi. adoii , sbb tu ingat nak settle up those things dlu tp nampaknya mcm takda cara. haha .thanks for advise anyway.
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hurm akaun 2 mmg xleh pakai utk benda tu.
tp my advice: make personal loan as ur last resort. sbb kalau dah pakai personal loan, nanti kena byr interest tinggi gila.
snetha11
post Apr 10 2012, 09:16 AM

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QUOTE(downto3arth @ Apr 10 2012, 09:14 AM)
bank mne ?
bank rakyat ok je...
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brp rate for bank rakyat? brp effective interest rate dia?
snetha11
post Apr 10 2012, 09:26 AM

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QUOTE(hardcoreangel @ Apr 10 2012, 09:19 AM)
takda la.keje bese2 je bro.blom kawin lg,.so better keep it smpai time nak kawin.
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buat budget, and try to stick to it. u need a good fiscal discipline.
nah link utk ur personalized budget template

http://www.vertex42.com/ExcelTemplates/budgets.html

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