LMFAO at these 2 retards thinking they can outsmart banks..

Diuniaseng if so simple like this banks will pokgai long ago dy la

You think you some genius is it. When in reality you just announced to the world you dont know shit about finances..

Before anything else. Just think for a moment with your two brain cells. Answer this truthfully: you really think you smarter than banks??

dei bodoh, then you take loan no need repay back the loan is it?? the money to repay the loan drop from the sky??

if you take it out from FD then amount will go lower and lower la dungu and your FD interest is impossible to be higher than your car loan's interest,

OMG man, so many people here got finances like a 5 year old.

EDIT: Imma just put this here early. Because I know what retards like you punya line of thinking is..
You will say you dont touch the FD as you pay the car loan back using your salary. So it's "free" money..

Similarly, if one DOES NOT take loan and pay the car in cash. They have no monthly payment, so whatever excess can then be used to put in FD.
It is the same situation of using monthly salary. Just that one goes to pay off the car loan, the other goes to saving in FD.

and as we have clearly established earlier, it is quite impossible to get FD that is higher than a car loan's EIR. The only scenario i can think of is if you are a bank staff where you can get car loan at staff rate of around 1~1.5% (EIR around 2~3%).. ONLY THEN will it be possible to have FD that will be higher than car loan's EIR..

This post has been edited by Optizorb: Jun 18 2025, 04:49 PM

that's why.. so many sei sohais here grossly overestimated their smartass-ness, thinking they are somehow smarter than banks wor...

Can you imagine how cringe it is they had a "light bulb" moment and then they think wahh im damn smart i can earn more than the bank loans me !!!!!
** then proceeds to pat their own backs **

Damn fucking cringe.


It's thanks to these sei sohais banks and bank shareholders able to make YOY profit growth

This post has been edited by Optizorb: Jun 18 2025, 04:46 PM