ANTARA PERBEZAAN BANK-BANK

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1. BANK ISLAM

✅ Kiraan DSR :

Gaji kasar

- Bawah RM 3000 = 50%

- RM 3000 - RM 5000 = 60%

- RM 5000 - RM 7000 = 70%

- Atas RM 7000 = 75%

✅ Kadar interest rate :

Berdasarkan scoring client

- 1 > 3 = 4.45%

- 4 > 6 = 4.50% - 4.55%

- 7 > 10 = Meeting

✅ ASB loan

- Komitmen tdk dikira

- Dividen : Jumlah dividen / 12 bln

- Tambah 5% kiraan DSR

✅ Perjanjian Sewaan

- 50% dari nilai sewaan

✅ Kad kredit

- Baki : Cth limit RM 10k

- Hutang RM 5k x 5% = Komitmen bulanan

✅ Kelebihan Bank Islam

- Kiraan DSR yg tinggi

- Pembiayaan islamic

- Interest rate rendah

- Sesuai utk hartanah di bwh harga RM 500k

- MRTT + LTHT + Legal Fees + Valuation Fees dicover dlm pinjaman

2. MAYBANK

✅ Kiraan DSR :

Gaji bersih

- Bawah RM 3500 = 40%

- Atas RM 3500 = 70%

✅ Kadar interest rate :

- Bawah RM 150k = 4.75%

- RM 150k - RM 350k = 4.65%

- RM 350k - RM 500k = 4.55%

- Atas RM 500k = 4.50%

✅ ASB loan

- Komitmen dikira scra bulanan

- Dividen : Jumlah dividen / 12 bln

✅ Perjanjian Sewaan

- Diambil kira slps 6 bln dimatikan setem

- 80% dari nilai sewaan

✅ Kelebihan Maybank

- Kiraan DSR yg tinggi

- Pembiayaan islamic

- Interest rate rendah

- MRTT + Legal fee dicover dlm pinjaman

- Sesuai utk apa shj nilai hartanah 

3. BSN

✅ Kiraan DSR :

Gaji kasar

- Bawah RM 3000 = 60%

- Atas RM 3000 = 75%

✅ Kadar interest rate :

- Bawah RM 100k = 6.95%

- RM 100k - RM 300k = 4.65%

- Atas RM 300k = 4.55%

✅ ASB loan

- Komitmen tidak dikira

- Dividen : Jumlah dividen / 12 bln

- Dividen + Bonus : Jumlah / 12 bln + income

✅ Perjanjian Sewaan

- Diambil kira slps 6 bln dimatikan setem

- 100% dari nilai sewaan

✅ Kad kredit

- Hutang RM 5k x 5% = Komitmen bulanan

✅ Kelebihan BSN

- Zero Moving Cost

- Ada pembiayaan Skim Rumah Pertamaku

- Prefer kakitangan kerajaan

- Sesuai utk apa shj nilai hartanah 

4. CIMB

✅ Kiraan DSR :

Gaji kasar

- Bawah RM 3000 = 65%

- RM 3000 - RM 7999 = 75%

- Atas RM 8000 = 85%

✅ Kadar interest rate :

- Bawah RM 200k = 5.25%

- RM 200k - RM 350k = 4.95%

- RM 350k - RM 500k = 4.75%

- Atas RM 500k = 4.50%

✅ ASB loan

- Komitmen dikira scra bulanan

- Dividen : Jumlah dividen / 12 bln (jika loan sudah lebih setahun)

✅ Perjanjian Sewaan

- Diambil kira slps 3 bln dimatikan setem

- 100% dari nilai sewaan

✅ Kelebihan CIMB

- Kiraan DSR yg tinggi

- Income tax no compulsory

- Pembiayaan islamic

- Interest rate rendah

- MRTT + Legal fee dicover dlm pinjaman

- Sesuai utk bisnes owner/bisnes online/commision earner

5. RHB

✅ Kiraan DSR :

Gaji bersih

- Bawah RM 2204 = 55%

- RM 2205 - RM 2630 = 60%

- RM 2631 - RM 4975 = 75%

- RM 4976 - RM 7615 = 80%

- Atas RM 7616 = 85%

✅ Kadar interest rate :

- RM 100k - RM 200k = 5.80% - 6%

- RM 200k - RM 250k = 5.20%

- RM 250k - RM 400k = 4.50%

- RM 400k - RM 600k = 4.45%

- RM 600k - RM 1juta = 4.40%

- Atas RM 1juta = 4.35%

✅ ASB loan

- Komitmen dikira scra bulanan

- Dividen : Jumlah dividen / 12 bln

✅ Perjanjian Sewaan

- Diambil kira slps 6 bln dimatikan setem

- 80% dari nilai sewaan

✅ Kelebihan RHB

- Kiraan DSR yg tinggi

- Pembiayaan islamic

- Interest rate rendah

- Sesuai utk hartanah dibwh nilai RM 500k

- Sesuai utk client yg komitmen tggi

- Sesuai utk bisnes owner

*Ada yg nak tambah bank2 lain lg blh tambah kat komen utk diupdate di sini

*SHARE utk peringatan bersama

By Hamba Tuhan