Got 8k loan for cny use, to pay car rental and bills, I was told that the rate would be 12% but now I’m clueless about the calculation, 12% each week or total rate for week loan ?

They’ve fixed the date to pay the sum (Feb) and I hope my boss gives bonus this year so I can pay on time.

Loan for cny..... Wtf

What's the point of this thread?

Do you get off when people call you bodoh?

Normally is 12% per week ..one month 48% interest

Wow... why take the loan the interest is so high... why need car rental for CNY... live within your means...else you will be in deep shit

Tough time

Calculation ?

But the guy said the rate for weekly is 12%, he didn’t say 12% each week. How can it be 12% each week ? Not logical

U try one mth no pay n see ..will have some macha come knocking ur door

Weekly 12% not same as 12% each week?

You must be one hell of a dumb ass mother fucker around. This explains why you took the loan.

Good luck.

Anyone who is bothered to reply in this thread further, I'd advised you not to waste your time at all.

Seriously? No wonder STD 4 new syllabus got financial knowledge chapter.

Bodo cacat otak take loan to pay bills.

And if you're renting a fancy car to show off to your relatives, don't bother. They know it's a rented car and they know you're a failure and cannot buy one.

At least rent a S-crass okay

8k enough for gaya?

Should take at least 20k la.. enough /k 1 month salary

Pakai socar sahaja.... habis raya Ts die lah....at least mati tak payah bayar duit cremation... sbb sudah kena bakar siap siap... hapofully ts will get in front page of Metro newspaper

i laughed when i heard ppl say loan for marriage

ts lagi hebat, loan for cny... wtf

just cin cai cin cai pass cny lar, 1k budget enough already, angpow kasi RM5/each sudah

A lion does not concern itself with the opinions of sheep

I wan see this waiter die long time dy pls dont teach him to be smarter

weekly and each week you pun tak faham????? wow.... there is no difference dude..

so 8k you'll need to pay around 12.5k after 4 weeks of interest. Have you taken it already?? You better not.. No money then hide at home la CNY.. do u have a family??? need to give ang pao?? how u manage to have a family with this IQ??

Which is why I asked not to give him any details. Just let him kena red paint.

What is going on? Why do people have to take loan for perayaan season now?!?!

Topkek

I just wanna say RIP ts

Ts bodo, take loans to impress family members

Which bank bro?

Tough times but still take loan. Topkek.

So many ppl kena ts bait is it? I think ts is trolling and just wan to open a clickbait tered.

I dun think there is anyone that bodo to do what ts did, like taking a loan.

Nice knowing you

Rolls royce ah

TS is really smart, trading off one chopped off arm to enjoy 1 week during Chinese year.

Hope they won't ask for your leg during week 3.

good job op
keep the conomy rollin'

loan for CNY you better go work overtime and don't celebrate.

Come i clap for u.

I also wan borrow 20k for cny

Then explain this

wow
is CNY celebration cost u guys alot of money???

Wadepak 12% rate, charged each week? Yahudi punya rate

You pinjam tru ah rong ahh??

RIP TS

It’s ok TS

Janji YOLO

Ah long

Perchaya la ts with his cool story

week =/= weekly??

week = 1 week
weekly = 1 week x 4

Who bodo here? me or TS? :confuse:

Aeon credit? Good luck

that's explain bezza with rm599 polished

Is this one of the reason why people can't pay back especially Along?

Good luck, after chinese new years, your boss will retrenched staffs included you, now day minimum wages is RM1200, business downturn, retrenched worker and downsize business is the way, even worse, close down company. Second only stupid take loans for interest rate at 12%, especially chinese bikin malu saja.

TS will visit Micheal Chong soon

Yup, I work as usual from, my company give bonus $1500 if chinese work from 24 to 30 this month. Can saving a lot included, no need waste extra RM3000 for air tickets, taxi/grabs and other expenses included ang pow. So the differences money in the bank can save for taken 7 days holidays is quite huge up to RM7500-8000, that not included extra overtimes.

This guy trolling, wan to max his face thick level

But who knows, this world what kind ppl also have

This guy trolling, wan to max his face thick level

But who knows, this world what kind ppl also have

Better work in this period hours, can avoid giving ang pau, lots of expenses, included tickets, fuel expenses etc, while can do OT.

What if your boss this year, X Kasi bonus,, so what's your next plan ? 14 floor ?

What the F
Getting a loan to show off to relative?

Already in deep shit or wont need the loan. Now in deeper..

lol good choice

Fuh people do stupid things to save the waterface. Bloody hell.

Free red paint.

Ts... do u need more cash? My rate is lower, daily 1.5% only...

please dont breed

Why? No money dun buy anything lah. Bodoh.

Hebat TS...u owe loan shark. Soon you will owe 8M instead of 8k

Depends u personal loan from who
Bank probably 12% per annum
License moneylender maybe 12% per month
Small ahlong can be 12% per week
Scum ahlong can be 12% per day forever

This



Owai

Ts Sure troll, no on will loan 8k for cny. 8k is use to do full layer ceramic coating for bezza.

u r not chinese
normally chinese dun do that
u r fucking yolo ah beng
go fuck urself

CNY is not about money and show off
is about family and friends

hello, michael chong? another fella for you to solve problem.

you rent a car for what?

new level of sohai.. loan for cny

Its ketuanan

Its everywhere

OMEGALULZ

Nice, during cny got face. After cny ah long help u paint house red red. HUAT ARRRRR....

Wah TS, this time you really gong xi fatt cai already
He said weekly is 12% means after a week never return full amount there will be another 12% you need to pay

If take 8000 loan, they will deduct 960 for 1st month interest.

Only bodohs get loan.. smart pipu just cash out from Credit Card and pay next month.

much cheaper at 16% p.a

After CNY, runaway no need to pay the loan.

After CNY, runaway no need to pay the loan.

lain macam... take loan to celebrate? gila


if miskin just have a humble celebration la.

12% interest per week... I can do a lot with that kind of money
Oh well hope you can pay it back. You are not even terdesak to loan money with such high interest yet you do it

in future sure got ktards will make some loans

just for the sake to open tered in /k

and the pleasure to be bash

Gg two banks called me to offer 0% cash advance.
And you need to pay 12%?

TOPKEK take loan for cny.

sakit jantung aku baca thread ni

Tahniah to that ahlong found waterfish

so after cny see ts 14th floor due to high debt?

Wah later ah long splash red paint also nevermind loh, extra prosperity this CNY

u dare pinjam from along? this is crazy.

best of luck ts

I hope you get your bonus, TS.

TS, you

He didn’t say 12% per week. It’s the week rate for my loan, like ur p.a, so it should be 12% p.w

Aduiiii who says I take loan to show off, having a tough time now at the start of year but still need to eat and celebrate kan. Renting car because not used to public transport

hahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahaha

Dude from next month onwards all you need to do is same rm700 a month so that next year you won't get into this kind of shitty situation again

"A lion does not concern itself with the opinions of sheep" HAHAHA

No wonder he willing to pay 624% per annum interest.

Tough time requires tough choice, u think I take loan for fun ? U don’t understand how tough it is

As above, u think I loan for fun ?? I need the money in this tough time, especially for cny. Car rental need money, transport, angpau etc unless charsiew don’t want to balik

He didn’t say week, he only said week rate is 12%. So I think it’s like ur 12% p.a, so if I pay on the fixed date, it’ll only be 12%.

Not for show off la, u can say I’m desak also, bills keep coming, tough time so tough choice lo

is this a troll or what haahha

u really need to rent a car to go back? No other way?
Bills i dunno la how u handle it till so many need to pay

break down on us how is rm8k is for tough time?

rent a lambo 1 week? angpao rm10 per person?

TS, better set appointment with Michael Chong early ya?

This! but you are so mean

Last tered of ts before kena hentam

Kasi chan la.

i think TS is trolling
he cannot be that stupid

time to see /k fall for troll story

I feel bad for you. Seriously unker sympathize with you. I really wish you get through this. But taking the loan at that kind of interest is pure condensed foolishness. You're using debt to finance shit that you cannot afford.

I'd try to cut my losses by paying that principal amount back right now. Cut off the compounding interest. You'd probably be working the next 6 months just to pay off this debt.

At the same time, get used to public transport and start looking for a new job.

Better spend few bucks RM100 and buy anti depressing pill or certain pill like phenibut, or aswaganda.

It will turn off your anxiety and overthinking brain, end up you dont give a fuck what others think of you. Go CNY just wear boxer only also not malu.

I think every bangsa do this