BNM Cut Rate Again But Not Benefit For New Loan, BNM Cut Rate Again But Not Benefit For N
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 Jul 7 2020, 07:05 PM
Show posts by this member only | IPv6 | Post
#281
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All Stars
21,456 posts Joined: Jul 2012  
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QUOTE(realityyffr @ Jul 7 2020, 05:40 PM) That guy/girl/creature keeps saying the same message for the past few years! All of his messages has a pessimist theme to it, never positive! The reality is property market has been on downtrend in the last few years. Given current available data, the country economy is almost certain on downtrend for next few years. This post has been edited by icemanfx: Jul 7 2020, 07:09 PM langstrasse liked this post
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Jul 7 2020, 08:18 PM
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All Stars
48,428 posts Joined: Sep 2014 From: REality
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QUOTE(ManutdGiggs @ Jul 7 2020, 07:01 PM) Worst time to get loan is during low opr especially when it's down a few times in a yr π
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Don't know if there's would be another cut later?Banks r not silly to lose their fd interest wan. Loanees ll pay for the price. But it's normal tat ALL gurus ll say its the best time to get loan now. ππ© U got lobang information π Well guru needed to cari makan also π€ Whatever... Banks always win in any situation... Profit is must... Do u see any banks reporting losses recent years?? Maybe during 97 time.. benwstan liked this post
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Jul 7 2020, 08:56 PM
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Senior Member
3,718 posts Joined: Nov 2015
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QUOTE(nexona88 @ Jul 7 2020, 08:18 PM) Don't know if there's would be another cut later? I thought some banks last quarter report showing loss aldy??U got lobang information π Well guru needed to cari makan also π€ Whatever... Banks always win in any situation... Profit is must... Do u see any banks reporting losses recent years?? Maybe during 97 time.. |
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Jul 7 2020, 08:57 PM
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All Stars
48,428 posts Joined: Sep 2014 From: REality
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QUOTE(WahBiang @ Jul 7 2020, 08:56 PM) I thought some banks last quarter report showing loss aldy?? Oh really...Didn't realize that... Which bank? π€ |
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Jul 7 2020, 08:57 PM
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Senior Member
1,520 posts Joined: May 2008
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QUOTE(nexona88 @ Jul 7 2020, 06:40 PM) but banks is increasing the spread... I don't see bank increasing the spread. People are still getting 3.15-3.3 which is the same net as people taking loan before the consecutive drops.so it's minimal differences  |
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Jul 7 2020, 09:02 PM
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All Stars
48,428 posts Joined: Sep 2014 From: REality
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QUOTE(blanket84 @ Jul 7 2020, 08:57 PM) I don't see bank increasing the spread. People are still getting 3.15-3.3 which is the same net as people taking loan before the consecutive drops. Should be lower not same...So spread have increase... |
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Jul 7 2020, 09:10 PM
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Senior Member
1,520 posts Joined: May 2008
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QUOTE(nexona88 @ Jul 7 2020, 09:02 PM) Should be lower not same... Why lower?So spread have increase... |
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Jul 7 2020, 09:49 PM
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Senior Member
3,718 posts Joined: Nov 2015
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QUOTE(nexona88 @ Jul 7 2020, 08:57 PM) Oh really... MxSx ?Didn't realize that... Which bank? π€ |
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Jul 7 2020, 10:54 PM
Show posts by this member only | IPv6 | Post
#289
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All Stars
21,456 posts Joined: Jul 2012
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QUOTE(nexona88 @ Jul 7 2020, 08:18 PM) Don't know if there's would be another cut later? If bank incurred losses mean less loan could be approved.U got lobang information π Well guru needed to cari makan also π€ Whatever... Banks always win in any situation... Profit is must... Do u see any banks reporting losses recent years?? Maybe during 97 time.. |
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Jul 7 2020, 10:58 PM
Show posts by this member only | IPv6 | Post
#290
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All Stars
14,511 posts Joined: Sep 2017
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QUOTE(icemanfx @ Jul 7 2020, 10:54 PM) If bank incurred losses mean less loan could be approved. If company make losses or less profit, reduce sales ? Zwean liked this post
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Jul 7 2020, 11:12 PM
Show posts by this member only | IPv6 | Post
#291
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All Stars
21,456 posts Joined: Jul 2012
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QUOTE(mini orchard @ Jul 7 2020, 10:58 PM) If company make losses or less profit, reduce sales ? Banks need to meet capital ratio.This post has been edited by icemanfx: Jul 7 2020, 11:15 PM |
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Jul 7 2020, 11:50 PM
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All Stars
48,428 posts Joined: Sep 2014 From: REality
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QUOTE(blanket84 @ Jul 7 2020, 09:10 PM) Why lower? Wait little longer..Then u know.. Banks slowpoke on this matters... But fast on FD  |
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Jul 7 2020, 11:50 PM
Show posts by this member only | IPv6 | Post
#293
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Junior Member
441 posts Joined: Nov 2011
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QUOTE(icemanfx @ Jul 7 2020, 11:12 PM) Banks need to meet capital ratio. Capital ratio requirements already reduced. On top of that a substantial sum of MGS held by banks are now considered part of bank's capital as per BNM's statement in March https://www.theedgemarkets.com/article/bnm-...tio-lowered-3-2 Zwean liked this post
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Jul 7 2020, 11:52 PM
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All Stars
48,428 posts Joined: Sep 2014 From: REality
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QUOTE(WahBiang @ Jul 7 2020, 09:49 PM) MxSx ? BR, MBSB, Agro etc. This one all I don't really follows.... Maybe u says is true... They incurred losses... Not really fully commercially driven.... |
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Jul 8 2020, 12:29 AM
Show posts by this member only | IPv6 | Post
#295
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Junior Member
173 posts Joined: May 2020 From: Damansara Perdana
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Jul 8 2020, 07:57 AM
Show posts by this member only | IPv6 | Post
#296
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All Stars
14,511 posts Joined: Sep 2017
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QUOTE(icemanfx @ Jul 7 2020, 11:12 PM) Banks need to meet capital ratio. Even if that is the case, do nothing? Just wait for blood to be knee deep and bleed to death? |
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Jul 8 2020, 08:31 AM
Show posts by this member only | IPv6 | Post
#297
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All Stars
21,456 posts Joined: Jul 2012
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QUOTE(mini orchard @ Jul 8 2020, 07:57 AM) Even if that is the case, do nothing? Just wait for blood to be knee deep and bleed to death? Buy when blood is knee deep on the floor. |
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Jul 8 2020, 09:27 AM
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Senior Member
1,296 posts Joined: Nov 2019
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QUOTE(icemanfx @ Jul 8 2020, 08:31 AM) Buy when blood is knee deep on the floor. Buy bank shares or buy property?  |
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Jul 8 2020, 09:36 AM
Show posts by this member only | IPv6 | Post
#299
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All Stars
13,759 posts Joined: Jun 2011
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QUOTE(cy91 @ Jul 8 2020, 09:27 AM) Buy bank shares or buy property? Buy prop for urself. Buy shares if via her. βΊοΈ |
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Jul 8 2020, 09:38 AM
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Senior Member
1,520 posts Joined: May 2008
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QUOTE(nexona88 @ Jul 7 2020, 11:50 PM) Wait little longer.. I don't understand the part where you said because right now the rate other people getting is the same, it means that spread has increased Then u know.. Banks slowpoke on this matters... But fast on FD  Shouldn't it be the same mathematically? If the spread has increased, BR+Spread should be higher, no? |
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