for whole msia or just for kl ?

whole m'sia

nobody pickup

which one you call??
some bank is like that no one pickup depend on your luck hahahah
i already use to it....

anyone know the contact number for citibank akpk officer?

finally i managed to call cimb and citibank to make full settlement with discount. however hlb didn't offer discount for me.
for scb , they said that they need some time to check the full amount and call me back after 3 days.
hopefully, i can settle all payment by next week and get all release letter.

This post has been edited by monocat: Mar 6 2020, 04:45 PM

great....

Can share how many % discount you got from cimb and citibank?

cimb and citibank didnt share with me the discount rate. i believe that is more than 40%

This post has been edited by monocat: Mar 7 2020, 11:52 AM

Charge interest on monthly basis. Bukan kena bayar yuran pendahuluan pun... Seposen pun tak amik semasa pendaftaran/kaunseling.
Cuma lepas dah enroll bayar la bulanan.

Akpk bukannya 100% interest free.. Dia org kurangkan interest.. Dari kredit kad 18% jadi 6~ 9%
Personal loan 4%~8% tgk pada formula dia org.

hi guys,

wanna ask some opinion from u all.

i have commitment of rm565 (car), rm211 (PL) and rm267(asb), which is 47% from my net income.

now i want to reduce my commitment, as my petrol usage per month is rm300 minimum. so i have two option:

1) cancel asb so i can save extra rm267 for emergency money
2) take big PL (ard rm30k) to settle both car and PL so i get to keep asb and lower monthly installment.

you can choose which one is best for you mean you have more extra money to save/spend.
but after this move, you dont go dig one more hole again if you dig more your then.... you know la

do you have your 6 months emergency fund ready? if not, only then you should consider option 2, but bear in mind that taking a bigger loan to settle small loan is not a really good practice, u need to get one really good personal loan, or else dont take new one

let say every month we pay the repayment amount to akpk then maybe after 5 years some bank ord fully pay but the payment amount every month pay to akpk is the same.So how the extra money we can get back since some bank ord settle.The question is if every month i pay rm1000 to akpk for 4 banks and after few years i ord full settlement 2 banks but i still cont paying rm1000 per month.So how about the extra money i pay ?

This post has been edited by samsungXP: Mar 9 2020, 09:28 PM

i need ocbc and hsbc akpk officer number.How to check all balance online ?

This post has been edited by samsungXP: Mar 9 2020, 08:20 PM

you can check at AKPK portal if your over paid you can see there have
extra money at excess payment. you can view it at statement of account report.

HSBC - 0320757859
OCBC - i only have email YanYeeChai@ocbc.com

use phone cannot see ?

can see la... use google chrome then choose desktop view.

i always use my phone to view...

i click view nothing come out