i 0 investment. only epf. die lor ini macam

Yes, long time ago got. 10 years CF style. Last time he more panas baran but that made his show fun to watch.

No, i didn’t say these type of ppl who no investment or plans for making money working for you will die la.. heck i’ve known full grown adult who drives new mercs WITHOUT a proper savings pon, (ie.12k payment use cash/bank transfer/ewallet/atm just nearby also cannot afford, die die say want use CC even after told theres a 3%! Extra charge).

It’s just these type of ppl if happy, likes to kena con(ie. Simple bank mora also don’t want to take time to understand, moreless investments hah), or likes to have a very insecured future with bad debts and absolutely nothing under their name except a house and car, which really is the worst “single asset” if you could even call it as such lol - if they happy, then they ownself slowly happy lor, noone say they’ll die pon.

Ps. Don’t rely on epf alone la, at least, the very very min supplement it with a PRS.

PKP forever borrower

next sop for loan application.
must do IQ test.

the entire moratorium is a zafrul and bank songlap scam, just many bodo.....

Now sure mati kongkek with OPR rising like smoke

So incoming fire sales of cars and houses?
I see a lot of people buy cars lately. must be savings from not paying house instalment

This post has been edited by Icehart: Sep 12 2022, 03:59 PM

That's why always remember that banks are not your friends.

Everything got charges or interest one.

Kena lawyer's letter also got charges on top of the outstanding debt. The longer drags on, the more charges added. It the judge postpone, also add more charges to the debt.

Believe, I kena before. That's why no more dealing with the banks. Now i do everything cash now. No cash, don't bother to call me.

I really don't have investment portfolio. Only got savings account. Rely on savings

LoL. Angry clerk indeed

If u need moratorium, u can't afford it. Just sell it and start renting.

thanks to PN/BN lor....

Hulurkan tangan minta tongkat sekali lagi

Don't know about this but debt is always cheaper than equity. If you can manage your debt widely, that is the best tool to use for big ticket purchases

kerja la

loan refinancing.
usually will approved one. they formulate another one loan for u like longer time to pay. 30 years loan become 35 years.
other detail like the new interest rate will depend on your discussion with them.