Lowyat.NET: Latest topics by ymir06kw

Assets search

ymir06kw — Sat, 21 Aug 2021 18:45:05 +0800

Hi, just wonder is there any way we can search for assets (car, house, land etc.) of a person?
For eg. in the case of legal proceeding or insolvency..

[WTS] IPhone 12 Pro Max 128GB - Grey

ymir06kw — Tue, 17 Aug 2021 23:41:33 +0800

Item(s): IPhone 12 Pro Max 128GB

Package includes: Full set Original Packaging

Price: RM 4500 (!!!NOTICE!!!: Sellers are required to display the exact selling prices of their products. Failure to do so will result in the deletion of the topic)

Warranty: 1 Year Original Apple Warranty

Dealing method: COD

Location: KL

Contact method/details: PM or WhatsApp 0176349922 for faster reply
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Item(s) conditions: New, Original, Unused

Picture: As New

Reason for sale: Company Gift, don't like IOS

Cruise Recommendation

ymir06kw — Mon, 20 Aug 2018 11:12:45 +0800

I'm planning to have a cruise vacation with my wife in coming Oct/Nov. Any recommendation on which cruise to choose? Never been on cruise before.

Agency to lower DSR

ymir06kw — Tue, 26 Jun 2018 22:37:39 +0800

I was approached by a bank officer 2 days ago for personal loan application. When I informed him that my DSR had far burst and it's impossible for me to get any loan from legit banks before I clear my current commitment, to my surprise, he informed me that he can actually refer me to an agency which can help to "lower" my DSR and then submit back to bank for loan approval.

The commission charged by the agency is 15% from your loan amount.

To my curiosity, how could someone/company/agency able to reduce your commitment or increase your income overnight (which is accepted by banks somemore) and thus make loan applicants with burst DSR to be able to obtain loan by legit banks again???

Anyone has any idea??

Housing Loan Withdrawal

ymir06kw — Wed, 16 May 2018 22:46:19 +0800

Need some advice from the experts here..

I applied for housing loan for a property and the bank had already approved it back in November 2017 with all offer letter and SPA signed and stamped.

Recently just before the bank first disburse the money to developer, the officer rechecked my ccris and noticed that I have extra loan/commitments which were not there during their first checking in Nov that time. (I applied those after that loan approval).
And now the bank said my DSR is burst so they wanna withdraw the loan offered.
They eventually sent me a letter informing me their decision and asked me to sign and send it back to them within a time period. In the letter it did mention that if I fail to send back the letter after a week, the bank will assume that I had agreed with the loan withdrawal and they will proceed with the cancellation.

Of course now i didn't send back the letter and the officer keep calling me to push me to sign and send bk to them.

Questions:
1. Can the bank actually do like this? To recheck my ccris again after so many months of approval and recalculate my DSR then say that now I am not eligible for the loan and want to withdraw the offer? Is there any law/rule to protect me? If the loan is withdraw, who will bear the legal fee and stamp duty? I don't think the bank will be responsible for the charges.

2. If the bank really have absolute right to withdraw the loan offer anytime, why would they keep pushing me to sign the letter and send back to them? Are they trying to play some dirts behind to cover up their own ass?

Really appreciate someone from banking industry background to enlighten me...
Should I just accept their decision and sign the letter?

Umobile credit share

ymir06kw — Sun, 31 Dec 2017 15:46:55 +0800

I have total of RM180 credit in my umobile prepaid account. Anyone interested to take that?

Price: Rm150 for RM180 worth of credit.

Contact: WhatsApp 0176349922 if u r interested.

Payment method:
Maybank2u, CIMB click, Hongleong econnect, Public Bank eBank, RHB Now, Ambank online, UOB online, BSN transfer..... Whatever suit u...

Reason: Change Telco

Haemodialysis Center JV

ymir06kw — Mon, 31 Jul 2017 18:26:26 +0800

Recently I'm planning to set up a HD center in Melaka region. I'm looking for someone with related experience or expertise to join venture on profit sharing basis (preferably someone who had manage/work in HD center before). Anyone interested pls pm me. Thanks.

I hope to JV with someone who can add value to the JV, not just throw money inside and wait for the return.

BSN Banker

ymir06kw — Tue, 20 Jun 2017 12:40:16 +0800

Hi, I'm interested to get personal loan from BSN. May I know any BSN banker here?
All documents r ready and I need fast processing from your side to get the loan the soonest possible.

Thanks in advance.

Which personal loan package to choose?

ymir06kw — Tue, 06 Jun 2017 16:19:25 +0800

Hi guys, recently I'm in need of $$$ and had been offered personal loan from few banks. So far..

1. MBSB offered 100K for floating rate starting from 3.66% (no fixed rate)
2. Bank Islam offered 100K for floating starting from 3.89%, the manager reassurred me no need to worry about floating rate as the increment is always very low (<RM50 increment/month if there is) (no fixed rate)
3. Bank Rakyat offered 100K for fixed rate at 4.99% or floating rate from 3.7 - 6.84%
4. BSN offered 100K for fixed rate at 3.88%

These are special rate for government servant/GLC personnel for tenure of 10 years and direct salary cut (will be reflected on pay slip)
The floating rate can go up to 6-7% depending on Bank Negara.

Bank Raykat and Bank Islam also offered direct cut from your saving account so it won't reflect in pay slip. But must be floating rate instead of fixed rate for this purpose. To me it doesn't make any difference because the loan will be shown in CCRIS also whenever I'm applying for another loan later. Am I right?

Any suggestion?

<WTS> Western Digital Blue 1TB PC Hard Drive

ymir06kw — Sat, 07 Jan 2017 11:29:05 +0800

Item(s): Western Digital SATA 1TB Blue, 64MB Cache, 7200RPM

Package includes: 1x PC Hard Drive in sealed package (no physical box)

Price: RM200

Warranty: 2 years manufacturer warranty (till 1/1/2019)

Dealing method: COD

Location of seller: Muar, Melaka

Contact method/details: Whatsapp 017-6349922

Age of item: New

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Item(s) conditions: New, sealed, unused

Picture:

Reason for sale: Extra Unit

[WTS] Nokia Lumia 1520 - white

ymir06kw — Fri, 13 Jun 2014 02:52:15 +0800

Item(s): Nokia Lumia 1520 white

Package includes: Full retail box with original charger + untouched earphone

Price: RM1100

Warranty: Original Nokia warranty - 1 year

Dealing method: COD/Postage+10

Location of seller: JB

Contact method/details: PM, whatsapp 017-6349922

Age of item: 5 months

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Item(s) conditions: Dent mark at bottom part (cuz not covered by casing), the rest perfect

Picture: http://i.imgur.com/67jMSU8.jpg

Reason for sale: Try new phone

<WTS> Faulty Note II

ymir06kw — Fri, 21 Feb 2014 23:06:55 +0800

Item(s): Faulty Samsung Galaxy Note 2

Package includes: Phone only

Price: offer me

Warranty: --

Dealing method: COD

Location of seller: Bukit Jalil/ Sri Petaling

Contact method/details: PM

Age of item: 1 year plus

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Item(s) conditions: screen and camera cracked, cannot on, cannot detect via pc

Picture: https://onedrive.live.com/redir?resid=39DCC...thint=folder%2c

Reason for sale: Lazy send for repair

Interior Design school

ymir06kw — Sun, 09 Feb 2014 14:33:54 +0800

m looking for a good,interior design school..any recommendation? Thanks.

Power Bank

ymir06kw — Thu, 02 Jan 2014 11:02:37 +0800

currently looking for a power bank with real capacity (not those china brand with only 50% or less real charging capacity). Any reliable brand to recommend? Thanks ya everyone!!

[WTT/WTS] Nokia Lumia 1520 White - 2 week old

ymir06kw — Mon, 30 Dec 2013 20:13:17 +0800

Item(s): Nokia Lumia 1520 White (Original Nokia Warranty)

Package includes: Full retail box with untouched earphone + receipt

Price: Sell RM1650 or trade with Samsung Galaxy Note 3 White (PM top up amount)

Warranty: 1 year by Nokia

Dealing method: COD

Location of seller: Kluang or Muar/Melaka/JB (need to wait till weekend)

Contact method/details: PM

Age of item: 2 weeks old

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Item(s) conditions: Perfect condition

Picture: No need i guess? Guaranteed Perfect!

Reason for sale: Still prefer Android

Make-up course

ymir06kw — Sat, 28 Dec 2013 03:30:15 +0800

Hi, recently i'm helping a friend to look for academy providing professional make-up & beauty course. Managed to find few:
1. Mayvia make-up & beauty academy (https://www.facebook.com/Mayvia.makeup.beauty.academy)
2. New Era College (http://www.newera.edu.my/necvec/ch/course/ccmc.php)
3. Perfect Point Make-up & Hair Academy (http://www.goldgohmakeup.com/index.html)

Anyone has friend/family went to these academy before and which one is better? Any other school/center to recommend? Thanks guys!!

Professional Make-up & Beauty Course

ymir06kw — Sat, 28 Dec 2013 03:27:08 +0800

Help me choose...

ymir06kw — Fri, 27 Dec 2013 18:16:29 +0800

I aware that most ppl have different experience using diff smartphone platform (ios, android, windows etc), just need some recommendation of the following devices:
1. Sony Xperia Z1
2. HTC One Max
3. Samsung Galaxy Note 3
4. Nokia Lumia 1520
Personally, i was ex-note 2 user so planning to try another company this time (so quite reluctant to get note 3). Now the device on top of my list is Nokia Lumia 1520. Any nokia users can share their experience? Thanks.

Bus service

ymir06kw — Sun, 22 Sep 2013 22:26:35 +0800

Anyone know any cheap and comfortable bus rental service from/to KL-Kluang??
Thanks in advance.

renting whole bus...

Digital Camera Recommendation

ymir06kw — Tue, 10 Sep 2013 00:02:07 +0800

guys, recently will go for vacation and need a digital camera suitable for travelling with good image quality as well. Any recommendation? Been searching thru the net and found Fujifilm Finepix F800EXR has good review. Any opinion here? Try to avoid DSLR because its quite inconvenient to carry around..