http://forum.lowyat.net/ Thu, 09 Jul 2026 14:14:00 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/4172691 hi all,<br /><br />please help me manage on my below 9 product/facilities DEBT.<br /><br /><br />format ( current outstanding/total loan | Year started loan | tenure | monthly payment )<br /><br />CAR LOAN (HP)<br />HLB RM45,XXX / RM69,100 | 2012 | 9YRS| RM784<br /><br />PERSONAL LOAN <br />BRRK-I RM103,XXX / RM110,000 | 2015 | 10YRS | RM1538<br />MBSB-I RM76,XXX / RM80,000 | 2013 | 25YRS | RM533<br />HLB-I RM30,XXX / RM30,000 | 2016 | 5YRS | RM715<br /><br /><br /><br />CREDIT CARD (current outstanding / total limit | 5%)<br />MBB RM12,888 / RM12,000 | RM6XX<br />BRRK RM2,100 / RM3,300 | RM15X<br />RHB RM5,800 / RM7,000 | RM30X<br />HSBC RM6900 / RM8,000 | RM35X<br />AEON RM11,000 / RM12,000 | RM55X<br /><br />AH LONG @ LICENSE MONEY LENDER<br />RM12,000 CASH OR RM3,200 FOR 6 MONTH<br /><br /><br /><br />TOTAL = RM331,000 (exclude AHLONG)<br /><br /><br /><br /><br />SALARY = RM8,000 (AFTER DEDUCTION IS RM6,500 NETT)<br /><br /><br />other commitment<br />UNIFI RM179 + GST<br />DIGI RM180-RM200 (POSTPAID)<br />TNB+SYABAS RM150-200<br />AIA INSURANCE FOR FAMILY RM200<br />KIDS / KINDERGARDEN FOR 2 RM1,000<br />COWAY RM1XX<br /><br />non-fixed<br />VEHICLE SERVICE RM100-RM150<br />TOUCH AND GO RM100-RM200 <br /><br /><br /><br />summarize;<br /><br />BANK COMMITMENT<br />LOAN RM2788<br />HP RM784<br />AHLONG RM3,200<br />C.CARD RM2,000<br /><br />FAMILY COMMITMENT / TO SURVIVE<br />RM2,500 (all above)<br /><br />exclude toll, petrol food etc<br /><br /><br /><b>The CHALLENGE is to reduce total product/facility going to AKPK as much as possible.</b><br /><br /><br />current self-approach (call banker 1 by 1)<br />1. MBB CREDIT CARD = willing to convert to fix term..4.95% pa.3yrs..monthly rm306 BUT need to reduce/cash paid limit below 80% (RM9,600 ) then able to convert<br />2. HSBC CREDIT CARD = 9-12% up to 5yrs but will approval/checking records<br />3. AEON CREDIT CARD = manager will call back since the facility (convert credit card to fix term) already been terminated recently (2016)<br />4. RHB CREDIT CARD = NO as stated by call operator<br />5. BRRK CREDIT CARD = no need , outstanding 2k can settle (after i cash out others credit.card available..perhaps?)<br />6. BRRK PERSONAL LOAN = need to meet manager at branch (will do)<br />7. HLB HP &amp; HLB-I PERSONAL LOAN = call no answer, need to go branch<br />8. MBSB PERSONAL LOAN = call no answer, will re-try<br /><br /><br />really appreciate if someone in LYN forum able to offer some OUTSIDE 1 big loan to cover all above loan <br />(10-20 yrs tenure)<br />plan to get OUTSIDE/NON bank loan , settle all debt , get low/clear commitment as per CCRISS report, buy a house using bank loan, after 5 years refinance house, pay lump sump outside loan <!--emo&:thumbsup:--><img src='http://static.lowyat.net/style_emoticons/default/thumbsup.gif' border='0' style='vertical-align:middle' alt='thumbsup.gif' /><!--endemo--> <br /><br />FYI, this month-end i will go for AKPK. Already met then before (but not registered yet) .<br /> remy_tailo Finance, Business and Investment House Thu, 12 Jan 2017 00:15:02 +0800 http://forum.lowyat.net/topic/3951041 Hi.<br /><br />Please email PM me for any job offer for 6 years COBOL MAINFRAME experiences.<br /><br />Available Immediately.<br /><br />Thanks remy_tailo Job Enlistments Wed, 18 May 2016 22:13:11 +0800