Tips ASB Financing yang Kita Perlu Tahu Sebelum Mohon

Antara Tips Apply ASB Financing :

1⃣ Islamic Financing/ Loan
—————————————
1. Dari mata kasar rakyat Malaysia, mungkin nampak sama. Hakikatnya berbeza.
2. Loan merupakan pinjaman secara konvensional dan menggunakan perjanjian dalam urusan.
3. Pembiayaan islamik pula ialah pinjaman yang berlandaskan akad
4. Akad dan konsep tawarruq dalam asbf wujud, adalah untuk memastikan pembiayaan yang dilakukan bebas dari sebarang bentuk riba, gharar dan maisir

2⃣ Low Bank Profit/Interest Rate
————————————————
1. Bank profit atau interest (conventional) ialah keuntungan bank (interest) yang dikenakan ke atas peminjam jika membuat sesuatu loan.
2. Semakin rendah interest rate, semakin rendah lah bayaran bulanan peminjam kepada bank.
3. Nota : Kiraan interest rate untuk ASBF ialah menggunakan reducing interest balance. Bukan flat interest rate seperti Personal Loan. Berbeza tu !

3⃣ Long Financing/ Loan Tenure
———————————————
1. Dalam pelaburan, rule of thumb is Modal Minima Hasil Maximum.
2. Dalam pelaburan berbentuk loan terutama asbf, digalakkan ambil tempoh loan paling panjang. Kerana monthly installment akan jadi lebih murah.
3. Jangan fikirkan kerugian terpaksa tanggung interest lebih panjang kerana pelbagai kiraan dibuat dengan mengambil kira pelbagai faktor, dan terbukti loan tempoh panjang jauh lebih untung.
4. Jika anda fikirkan interest bank, baik anda tidak perlu ambil loan. Simpan sahaja sendiri. Mindset sebegini please elakkan.

4⃣ No Takaful/Insuran
———————————
1. Takaful bukan free. Ada nilai yang perlu dibayar.
2. Sijil 200k = Takaful 8k. Bermaksud anda pinjam dengan bank ialah 208k. Bukan 200k.
3. 200k bank gunakan untuk beli sijil asb . 8k bank gunakan untuk contribute kepada syarikat takaful.
4. Dalam pelaburan low risk seperti asbf, amat lah tiada keperluan jika ambil takaful. Kerana bukan waris perlu sambung bayar pun.
5. Tidak dinafikan kita nak waris dapat 200k tersebut, tetapi kenapa tidak terus pilih takaful di luar sana yang harga lebih cun dan nilai coverage lebih tinggi. Malah boleh dihibahkan terus tanpa melalui faraid !

5⃣ No Lock In Period
———————————
1. Dahulu asbf ni ada Lock In Period. Maksudnya ada tempoh masa yang diperlukan untuk peminjam tidak boleh terminate. Biasanya 2-3 tahun sahaja. Jika terminate dalam tempoh tersebut, anda akan dikenakan penalti 2-3% dari amount loan. Banyak tu !
2. Tetapi jangan risau. Sekarang ni hampir kesemua bank sudah tidak ada Lock In Period untuk ASBF.
3. Cimb Islamic xde Lock In Period.

6⃣ Apply With RIGHT Consultant
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1. Nak apply asbf tu, pastikan consultant/banker tu bukan yang jenis sale semata-mata.
2. At least cari lah yang jenis bukan bagi Bluetick selepas close sale. Maksudnya kalau ada pertanyaan selepas itu, consultant/banker tu akan jawab dengan elok-elok.
3. Jika ada group khas untuk asbf utk client, itu adalah satu bonus.
4. Jadi jangan lah kita apply dengan orang lain, tapi segala kekeliruan kita rujuk orang lain. Boleh tu boleh, cuma common sense lah. 😅😁

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