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 Are you guys ready for hike in interest rate?, Interest rate rising in July & September

Are you guys ready?
 
Yes, my loan percentage is low compared to my earning. [ 124 ] ** [63.59%]
No. (Explain why no?) [ 71 ] ** [36.41%]
Total Votes: 195
  
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ManutdGiggs
post Jul 8 2014, 11:27 AM

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1st of all, v look at the other side of the coin. V enjoyed the cheap n low interest which is supposed to b higher. So its just back to norm. V gotten the candies. Now onli pay the usual interest. So no prob la.
ManutdGiggs
post Jul 9 2014, 08:23 AM

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QUOTE(bearbearwong @ Jul 8 2014, 11:49 PM)
800k, 35 years max stretch, 10% dp, assuming bank valuation get 90%, loan amount 720k

around 3k, the best rates is RHB bank for that value.. means

70% DSR assuming no commitments, 5000 nett salary gross should be around 5.7k.. but ngam ngam qualify you will live with remaining 2 k for the whole month..
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Too much assumption liao.

Bro bear hav u decided to try out the practical work instead???


ManutdGiggs
post Jul 9 2014, 09:07 AM

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Just wait. No need gugu har.
ManutdGiggs
post Jul 10 2014, 08:29 PM

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Jialat liao. Opr naik 25 basis pts liao. No more eat rice liao. Gonna eat kaninia bread liao. sweat.gif

Tomolo hav to sell props.
ManutdGiggs
post Jul 10 2014, 11:06 PM

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QUOTE(bearbearwong @ Jul 10 2014, 10:45 PM)
september mai increase another 25 points maa.. less than 1% increase also so cannot tahan one.. where is all the cash buyers strong holding power and agents?

bank negara say all type of laons will be affected... i heard some champion say increase till 13% BLR also tak de rasa... wow..

got listen to our minister of trade ah? just mention government will rationalize petrol again by end of this year, but they say will try the best not to burden public wor...

i only see super inflation coming very soon... before GST...
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The BLR was 6.6. Buyers should b glad to b given discounted rate n enjoy for so long. To b back to 6.6 if one is enjoying -2.4 now is stil quite a long way to go.

With 0.25 soon, it's no a big deal la. Bear in mind it should hav been 6.6. U havnt been thru the rough rite tats y u takut ma.

Come for luwak la. I pay urs ok. Let's tok some kok stories while enjoying luwak. On boh???
ManutdGiggs
post Jul 11 2014, 09:31 AM

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QUOTE(bearbearwong @ Jul 11 2014, 09:27 AM)
Confirm or not.. ppl say 0.25 increase sap sap sui saja.. masuk keluat starbucks sudah rm20 more.. some say midnight snacks oso more than that..

my maybanj officer say.. 6.85 very likely.. 0.25% is interest rates between bank borrowing.. they will transfer the burden to consumer.. abo bank swallow blindly mehh... you guys still give NPL loans and dafault to cimb.. haizzz
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Bro bear, do u invest in stock market??? Bank counters giving candies. Can grab the fund for opr increment ma. If u r gd, the next 5 yrs no prob la. Just a few clicks away. tongue.gif
ManutdGiggs
post Jul 11 2014, 10:10 AM

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QUOTE(katijar @ Jul 11 2014, 10:07 AM)
dunno the economy rice boss got a lot of loans or not ... later he increase price then it is not rm20 every month oledi ... sad.gif
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Since last yr announcement of gst, I oledi saw many econ rice seller increased liao. So they r safe liao I assumed. rclxms.gif
ManutdGiggs
post Jul 11 2014, 11:46 PM

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ManutdGiggs
post Jul 12 2014, 01:34 PM

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QUOTE(bearbearwong @ Jul 12 2014, 01:31 PM)
why? just because the 25 points increase? too harsh izzit? going to demoralize the agents.. like that the 2% have to muntah balik..
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Jialat liao


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ManutdGiggs
post Jul 12 2014, 04:44 PM

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Bro bear, u so sked meh???

U no loan wo. Got lands somemore. Wat u sked of har???

I was around looking for sthg cheap cos u said sure fire sales. U wanna look around together???
ManutdGiggs
post Jul 12 2014, 06:33 PM

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QUOTE(bearbearwong @ Jul 12 2014, 06:03 PM)
Owayls have to character attack rather than issue addressing.. you guys are here only to tell ppl BBB is good to go.. nth should stop it..it is illogical..

tell us how has the property market been ,not the next 6 months.. that is timing..how about past 6 months of 2014.. any poised to increase signs... any where market is recovering..
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Bro bear I like ur long winded stories. Anymore??? tongue.gif

Btw, another 14 mths to Q4 2015.
ManutdGiggs
post Jul 12 2014, 10:37 PM

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ManutdGiggs
post Jul 12 2014, 11:03 PM

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QUOTE(shaquenator @ Jul 12 2014, 10:38 PM)
nothing else to say ?  yawn.gif
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ManutdGiggs
post Jul 12 2014, 11:24 PM

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QUOTE(shaquenator @ Jul 12 2014, 11:23 PM)
anything else to say ?  shocking.gif
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ManutdGiggs
post Jul 12 2014, 11:25 PM

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QUOTE(Jliew168 @ Jul 12 2014, 11:24 PM)
Correct mind set bro...the most important is safety margin and plan for your financial.

We not blindly buy but some ddddd think people here are retarded and just will go blindly bbbbbb

We only buy when have a good deal or can see a potential at it..for own stay , if price is correct and if u like just go ahead ...but remember have to select a good deal and don't rush into it..

Most important is the level of readiness and confident when u seal the deal- all this must in a calculated risk and don't over stretch you financially
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This post has been edited by ManutdGiggs: Jul 12 2014, 11:25 PM
ManutdGiggs
post Jul 12 2014, 11:33 PM

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QUOTE(Tigerr @ Jul 12 2014, 11:29 PM)
Mr. Shaquenator,

This ll be my first reply to u n ll be the last one if you replying with a tone of condemnation n vengeance as if I have stepped on your tail or kill your family.

I have mentioned this is just sharing opinions if u know how to read properly n to take my opinion that seriously, I dont know what u scare of. Are u hoping the market to crash n if what I said here ll save the market n thus it ll defeat your hopes? If yes, dont be silly as if my words really can influence market, developers shall pay me instead of spending millions in advertisement.

I have not met anyone here in person yet except few forumers in other topics. They know I am not an property agent thus dont worry I am here to lure people buying properties.

If u r so poor that cant even buy a house, telling u to work harder is wrong, I dont know what to say anymore n probably that's the reason your stayed in the bottom 93%. If u r ugly, u still can go do plastic surgery to help, but if u r stupid, then, cant do anything anymore.

In your above replies, how can u think only can rent from me? How u know location is not good? How u know rental is high? How u know neighbour full of foreigners? How u know wall is worn out? Is this all come from your own imagination? If not, I guess u may have mistakenly replied to the wrong person. If yes, please say sorry n I ll accept it. Or u can follow the way drrn do, u dont need yo say so as u wish as this is cyber world. I dont gain anything too whether u said or not. But it just showing whether you ll admit wrong or not. Do u have the courage n courtesy to say so n by continue to reply whether to me or others, apparent or silent readers ll know how to judge.

thanks.
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ManutdGiggs
post Jul 12 2014, 11:48 PM

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QUOTE(shaquenator @ Jul 12 2014, 11:47 PM)
so pariah until need others to back you up ? then you can just put icons there ?  doh.gif
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ManutdGiggs
post Jul 13 2014, 12:16 AM

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QUOTE(den @ Jul 13 2014, 12:09 AM)
shaquenator, i have perception that you are the type of person who always want to win.  biggrin.gif

i believe if someone is looking for a house for own stay, he would have already considered other options which may be cheaper. but ppl do not just look into the price and whether it's beautiful. it's also about convenience and family/ppl surrrounding you.
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ManutdGiggs
post Jul 13 2014, 12:24 AM

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QUOTE(bearbearwong @ Jul 13 2014, 12:21 AM)
so, just to be clear on this point... IS IT TOO LATE NOW, FOR YOU TO BANG? i can introduce few projects if you want.
still a lot of vacant unsold units for you to BANG..

it is settle isn't the property price is just too expensive and no room for investment neither being a choice for own stay, that is why you are frustrated isn't? bear in mind, you have missed once, you could be simply let opportunity skips away again right? unless it is no longer Doable..

which is which, this is crucial boy..
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Bro bear if u r Toking bout go alternative karaoke to bang someone, I dunk think it's too late la. The nite stil young ma.

Same goes to prop. The game nvr end. For own stay, pls proceed. I'm Alwiz here to help. Onli u nia. Others I dun help.
ManutdGiggs
post Jul 13 2014, 09:17 AM

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QUOTE(Mathew86 @ Jul 13 2014, 06:27 AM)
Support for what? Have money ? Have lucky ?
You also look at your own as well before you say others , my sincere advise.
You're funny , dude. This forum belongs to you ?
Okla sorry , I let you ... I just watch silently biggrin.gif
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Biasalah nana Alwiz ask ppl go away. Most of them duped la. When she is here, she and she and she 'll not b around. Take turn ma.


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