Financial Home Refinancing, Need some direction here
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 Mar 2 2009, 10:38 AM
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#1
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Senior Member
3,589 posts Joined: Nov 2004  
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Erm, sorry to say but did you read the fine print that you need to pay RM30k first to AA and they are the one who will be securing the bank loan for you using your home as a collateral?
AND, IF they couldn't secure a bank loan for you, you can kiss your RM30k goodbye. Even if you get the loan, you need to pay RM50k fuel fees. Belum mula belajar sudah hutang RM80k. I suggest you forget this unless you're filthy rich. |
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Mar 2 2009, 02:06 PM
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#2
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Senior Member
3,589 posts Joined: Nov 2004
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You can start asking here for more info. There are a few hidden charges which you wanna take note of.
About refinancing, well you need to find out how come your mom is blacklisted first.  Or, you can go for the cadet plan  Wow.. PPL around RM30k FATPL around RM150k CPL? Hmm.. I wonder how long you need to pay them off |
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Mar 2 2009, 02:26 PM
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#3
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Senior Member
3,589 posts Joined: Nov 2004
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QUOTE(-Teddy- @ Mar 2 2009, 02:09 PM) I don't mind paying back the bank after I get a job. Say I get at least 3k per month, I can really pay them 2k and I myself keep 1k. I'm not flying to be rich, I want to fly because I want to. I will find out more about the blacklisting a while later. Woooo don't get me wrong. I'm not saying that you need to fly to be rich, I'm saying that you need to be rich to fly Mind letting me know more about the 80k thing? It's like another problem comes before the previous one is solved.   Steps for self financing : 1. Give AA 30k 2. AA go and get loan for you 3a. AA cannot get loan for you, you failed, 30k gone 3b. AA managed to get loan for you, you pay extra 50k for fuel cost for your course So, you need to have 30k in hand first. Erm, uncle is a pilot so this is word of mouth, you may need to ask more about all those hidden cost. You might find this calculator handy clicky |
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Mar 2 2009, 02:35 PM
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#4
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Senior Member
3,589 posts Joined: Nov 2004
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Air Asia
Anyway you go and find out more info from AA first. You will understand later |
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Mar 4 2009, 01:39 PM
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#5
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Senior Member
3,589 posts Joined: Nov 2004
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QUOTE(-Teddy- @ Mar 2 2009, 02:38 PM) Okay, my mom said she has a name in Company A. Company A owes Company B money. Then Company B apply to make my mom to be blacklisted, and now she can't change her property's name to someone else. Yes.My question is, is this even bank related? In this case, will the bank still consider my case? What kind of blacklist can bar my mom from selling her property? In this case, if she can't sell the property, does she has the right to mortgage it? I start to think that it's not that she's blacklisted or something, but she is being sued and the court freezes her property? Is that possible? If this is the case, can someone mortgage a frozen property? Which is why your mom need to settle the dispute first (if she does have a name in Company A). |
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