Lowyat.NET: Latest topics by shinimi

High loan interest rate, need advise

shinimi — Mon, 21 Oct 2019 18:28:02 +0800

Hi guys, need advise on this matter.

I recently bought a subsale in my home town and my loan is with CIMB @ 4.90% p.a. and the loan amount is 180k.
I had zero knowledge at that time and did not do enough research. I was naive and believe that the rate is because the loan amount is low.

The loan is apply through an agent which is one of my relative's colleague. Is it possible for them to negotiate with banker for a higher rate so that they get higher commission or is that factor mainly from my credit rating?
I would like to know moving forward maybe after the lock in period, what can I do to lower that rate? Is refinancing an option?

Appreciate if anyone can input on this. Thanks.

[WTS] Garmin Fenix 3 HR Sapphire

shinimi — Thu, 25 Jul 2019 23:59:22 +0800

Item(s): Garmin Fenix 3 HR Sapphire

Package includes: Watch + box + accessories + white strap

Price: RM950

Warranty: no more warranty

Dealing method: COD

Location: PJ Sekysen 14

Contact method/details: PM
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Item(s) conditions: 7/10 for looks. Fully functional

Picture:

[SOLD] Black Red Black Sleeved PSU Cables Set

shinimi — Thu, 17 Jan 2019 23:32:23 +0800

Item(s): Black Red Black Sleeved PSU Cables Set from Dotatech

Package includes:
1 Unit Custom Sleeved Cable ATX 24 Pin Extension Cable (30cm Length)
1 Unit Custom Sleeved Cable EPS 4+4 Pin Extension Cable (30cm Length)
2 Unit Custom Sleeved Cable PCIe 6+2 Pin Extension Cable (30cm Length)
1 Unit Black 24 Pin Cable Comb Clear
3 Unit Black 8 Pin Cable Comb Clear

Price: SOLD

Warranty: -

Dealing method: COD

Location: PJ, KL Sentral

Contact method/details: PM
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Item(s) conditions: 9/10

Picture:

Reason for sale: Clearing unused item

[WTS] Wireless USB Adapters and LAN cables

shinimi — Thu, 17 Jan 2019 23:07:39 +0800

Item(s):
1. SOLD Tenda 300Mbps Wireless USB Adapter U1
2. TP-LINK 150Mbps 150Mbps Wireless USA Adapter TL-WN727N
3. 7 meters LAN Cable

Price: SOLD for Tenda / RM10 for TP-LINK / RM15 for LAN Cable

Warranty: -

Dealing method: COD

Location: PJ, KL Sentral

Contact method/details: PM
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Picture:

Reason for sale: Clearing unused items

[SOLD] Massdrop x Focal Elex

shinimi — Mon, 06 Aug 2018 00:20:28 +0800

Item(s): Massdrop x Focal Elex

Package includes: Storage box, 1 x Single-ended cable and 1 x Balanced cable

Price: SOLD

Warranty: 2 years from Focal

Dealing method: COD

Location: Petaling Jaya

Contact method/details: PM
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Item(s) conditions: 10/10 like new. Only use a few times

Picture:

Reason for sale: Prefer other sound signature.

SOLD Asus Z170 Pro Gaming

shinimi — Sun, 05 Nov 2017 17:54:04 +0800

Item(s): Asus Z170 Pro Gaming

Package includes: The parts and all the accessories

Price: SOLD

Warranty:
Around 2 years for the CPU
Around 2 years for the motherboard

Dealing method: COD

Location: PJ Section 14

Contact method/details: PM
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Item(s) conditions: 9/10

Reason for sale: Downsizing, underutilized.

SOLD Corsair H100i V2 240mm radiator

shinimi — Sun, 05 Nov 2017 17:45:41 +0800

Item(s): Corsair H100i V2

Package includes: The cooler and all the accessories

Price: SOLD

Warranty: Around 4 years more from Corsair

Dealing method: COD

Location: PJ Section 14

Contact method/details: PM
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Item(s) conditions: 9/10

Reason for sale: Downsizing

WTS SEASONIC M12II EVO 620W Full Mod 80+ Bronze

shinimi — Sun, 05 Nov 2017 17:40:39 +0800

Item(s): Seasonic M12II EVO 620W Full Modular 80+ Bronze

Package includes: The PSU and all the accessories that comes with the box.

Price: SOLD

Warranty: Around 4 years more from Seasonic

Dealing method: COD

Location: PJ Sec 14

Contact method/details: PM
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Item(s) conditions: 9/10

Reason for sale: Downsizing to ITX

SOLD Corsair Carbide 400C Black

shinimi — Sun, 05 Nov 2017 17:33:57 +0800

Item(s): Corsair Carbide 400C

Package includes: The case and all accessories included.

Price: SOLD

Warranty: Around 1 year from Corsair left

Dealing method: COD

Location: PJ Section 14

Contact method/details: PM
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Item(s) conditions: 9/10

Picture::

Reason for sale: Changing to ITX to save space

[SOLD] Cooler Master Hyper 212 LED Turbo

shinimi — Thu, 06 Jul 2017 17:52:23 +0800

Item(s): Cooler Master Hyper 212 LED Turbo

Package includes: Includes everything that comes with it

Price: SOLD
Warranty: 1 year from Cooler Master

Dealing method: COD

Location: PJ Sec 14

Contact method/details: PM me
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Item(s) conditions: 10/10, bought it a month ago, just use it for a week.

Picture: Will post later

Reason for sale: Upgrade

[Sold] Hifiman RE400

shinimi — Sat, 25 Feb 2017 01:44:23 +0800

Item(s): Hifiman RE400

Package includes: iem + all accessories that comes with it

Price: RM 200 (negotiable)

Warranty: 1 week personal

Dealing method: COD

Location of seller: Petaling Jaya

Contact method/details: PM

Age of item: 1 year+

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Item(s) conditions: 9/10

Picture:

Reason for sale: No longer in use

[SOLD] Matrix Mini-i DAC/AMP

shinimi — Fri, 29 Jul 2016 22:51:49 +0800

Item(s): Matrix Mini-i DAC

Package includes: Everything included in the retail box

Price: SOLD

Warranty: No more warranty

Dealing method: COD

Location of seller: PJ Section14

Contact method/details: -
Age of item: 1 year+

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Item(s) conditions: 9.9/10 like new

Picture:

Reason for sale: Underutilized

[SOLD] DSPTCH Camera Sling Strap Black

shinimi — Fri, 04 Sep 2015 15:16:26 +0800

Item(s): DSPTCH Camera Sling Strap Black

Package includes: The strap and carry case

Price: SOLD

Dealing method: COD (Prefer areas accessible by Putra LRT) or postage

Location: PJ Section 14

Contact method/details: -
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Item(s) conditions: New

Picture:

Reason for sale: Extra

[WTS] The North Face Surge II Backpack

shinimi — Tue, 23 Jun 2015 11:36:37 +0800

Item(s): The North Face Surge II Backpack

Package includes: The backpack

Price: RM200 (Negotiable), original price RM469

Warranty: Lifetime warranty by The North Face

Dealing method: COD (Prefer areas accessible by Putra LRT)

Location: PJ SS14

Contact method/details: -

Age of item: Around 7 months. Bought from Bratpack
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Item(s) conditions: 9/10, only use a few times.

Picture:

Surge II is a 32 liter Daypack that comes with a laptop compartment for up to 17" laptop and a sleeve for up to 10" tablet.

[WTS] The North Face Surge II Backpack

shinimi — Tue, 28 Apr 2015 01:12:31 +0800

Item(s): The North Face Surge II Backpack

Package includes: The backpack

Price: RM280 (Negotiable)

Warranty: Lifetime warranty by The North Face

Dealing method: COD (Prefer areas accessible by Putra LRT)

Location: PJ SS14

Contact method/details: -

Age of item: Around 7 months. Bought from Bratpack
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Item(s) conditions: 9/10, only use a few times.

Picture:

Surge II is a 32 liter Daypack that comes with a laptop compartment for up to 17" laptop and a sleeve for up to 10" tablet.

[SOLD] GoVibe Martini+ Headphone Amp

shinimi — Fri, 06 Mar 2015 03:08:46 +0800

Item(s):GoVibe Martini+

Package includes: The amp, carrying pouch, GP rechargeable batteries and charger

Price: SOLD (Negotiable)

Warranty: N/A

Dealing method: COD (Putra LRT)

Location of seller: PJ SS14

Contact method/details:-

Age of item: Around 1.5 years

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Item(s) conditions: 7/10

Picture:

Reason for sale: Not using

[SOLD] Shure SRH940 headphone

shinimi — Fri, 31 May 2013 23:46:23 +0800

Item(s): Shure SRH 940 headphone

Package includes: Everything from the original package.

Price: SOLD

Warranty: 6 months left from Jaben

Dealing method: COD (don't have own transport) or postage

Location of seller: Cyberjaya

Contact method/details: 0175827507 can text me, whatsapp or pm

Age of item: 1 year and 6 months

Item(s) conditions: 7/10

Picture:

Reason for sale: need money

The straight cable and the extra velour pad are new.