Thursday, August 11, 2016

[Jom Kira Commitment anda / Customer sebelum buat loan] Nak Beli Kereta Baru Perodua Proton

#PeroduaSalesAdvisorSepangNilaiSalakTinggiPutrajayaKotaWarisan
#0133563580
 
[Jom Kira Commitment anda / Customer sebelum buat loan]
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Pastikan anda sudah print CCRIS report di bank negara
Step 1: Lihat & check di CCRIS apa commitment yang anda ada sekarang.
Contoh, jika di CCRIS report anda mempunyai loan rumah, loan kereta, credit card atau personal loan. Pls list down.
Step 2: kira bayaran bulanan setiap commitment di CCRIS report.
Contoh:
Loan rumah : 800
Loan kereta : 550
Personal loan : 450
Credit Card : 250 (balance card x 5%)= minimum payment
bayaran bulanan loan rumah, loan kereta, credit card Personal Loan. Jumlahkan kesemuanya.
Step 3: kira loan di calculator berapa bulanan untuk kereta baru anda.
Contoh : loan 50k x 3% x 9yrs = 588
Tambahkan bayaran bulanan loan kereta baru
Step 4: Tambahkan commitment baru
Commitment Baru + Commitment lama = TOTAL A
Contoh : 800+550+450+250+588 = 2638.00
Step 5: Kira Gaji Bersih
(Gaji basic + Allowance tetap + OT) - (EPF + SOCSO) = TOTAL B
Contoh : (2800 + 500 + 500) - 300 = 3500
Step 6: Jika anda mempunyai pendapatan bulanan lain (Side Income)
contoh : bisnes, rumah sewa, Asb,fixed deposit dan lain.
bisnes + sewa rumah = TOTAL C
Step 7: TOTAL B (Gaji) + TOTAL C (Side income) = TOTAL B + C
Contoh : 3500 + 650 (Rumah sewa) = 4150
Step 8: Kira Debt Service Ratio
TOTAL A (commitment) ÷ TOTAL B+C (Gaji + Side 
income) X 100% = Debt Service Ratio
Contoh : 2638 ÷ 4150 x % = 63%
Comfort = 25%-60%
High commitment =80%-100%
* Jika total Commitment > 80% pls provide gtor or show additional income document (If single application)


Nota : Setiap bank mempunyai cara kira berbeza. Yang diatas adalah kiraan basic.
Pastikan duit side income masuk bank.

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