Its all about psychology..bayar awal lega,lega tu sihat,sihat tu lagi mahal dari segala duit,steve job yg kaya raya pun mati sebab cancer,duit takbole beli health,
@@afhamyusof banyak dah banks pakai reducing balance. untuk HP, tunggu nak gubal HP 1967 Act. masuk Parlimen by 1Q25. Untuk personal financing nie, certain banks dah pakai. rasanya Bank Islam dah start.
most of the time rugi bayar awal. tapi kalau loan 9 tahun, better bayar masa tahun ke 8. balance loan guna Rule 78 lagi rendah dari guna reducing balance. tapi kalau tak bayar awal, actually Rule 78 lagi rendah interest. so, yg mana lagi Islamic sbb Rule 78 rendah riba/faedah? hahaha
riba haram jelas dalam quran, tapi kita hidup dalam ekonomi riba, thats why jugak muslim paling lemah. belajar pasal btc jugak afham. btc is the new form of money yg akan ganti fiat
@azamkfc9065 tapi tuan kenapa bila saya check dia macam konsep rule78, sebab mula mula dia akan mula dengan byr byk interest dulu ke bank baru sikit demi sedikit principal dia naik
@@muhammadzakwanhilmiismail3689 maybe sebab jumlah hutang awal tu byk, sbb tu bayar interest awal tu byk.. cth rm 200k x 4.5% utk tahunan pertama, compare 195k x 4.5% tahun kedua.. dan seterusnye..
beza fixed rate lak.. dia punya asas hutang tu sama bg setiap tahun.. 200k x 4.5% tahun pertama dan 200k x 4.5% tahun kedua dan seterusnye.. baki hutang dlm pengiraan interest adalah sama pada setiap tahun..
1. You clearly have no idea what rule of 78 is. 2. Reducing balance is not work the way you said. 3. All the above is just a method of profit/interest recognition over tenure je, and has nothing to do with pay more can lessen the tenure or profit/interest rate coz that thing is a product features. 4. Have you ever demonstrate the differences of profit/interest recognition between rule 78 and reducing balance? If no, you have no idea how similar they are. 5. Full settlement will change over the tenure, so, if you are requesting redemption statement this month, the amount of full settlement is differ from 2-3 months ahead. So “simpan duit sampai dpt the settlement figures” is useless. 6. The reason of this whole video is just to promoting Versa. Fyi, 1. Not all bankers understand the computation of profit recognition. If you ask teller at the counter, the dont even know how, even branch managers. 2. If you are not working as a product people in Banking, your arguement is just a tale coz you clearly have no idea about OPEX, CAPEX, ECL, FC, OH, breakeven pricing and alot more. Sincerely, Product Management, one of Islamic Bank in Malaysia
aduhhh...dari dok perli & kritik..baik laa kongsi kepakaran & ilmu bagi rakyat netizen aware & faham selok belok kewangan...kedudukkan pun dah chantik dah dalam bidang kewangan islamik
Then, explain la apa tu rule 78?? Jgn tau ckp n kritik jer. Cuba bg ilmu, share ngn kami baru la betul kritikan membina. Otherwise ur critics are just useless bro
![[S03:EP3] Keluarga paksa buat loan, OPR bakal naik? - Kauthar Rozmal](http://i.ytimg.com/vi/quwcr-VKgIU/mqdefault.jpg)
Simpan di Versa dan claim RM10 FREE
download.versa.com.my/1bAf/referral?deep_link_value=VERSAAY
register dan masukkan atleast RM100
CODE: VERSAAY
Aku suka betul channel Afham ni. Terlalu senang faham berbanding channel lain walaupun dorang ada better title
Share ramai² sampai kjaan jadi buat mansuhkan Rule of 78 yg kejam ni
Betul
terbaik Afham
bagus afham ko rungkaikan menda ni..harap ramai yang sedar
Terbaik afham. Tqsm
VVery Nice content , boleh buat vedio khas untuk overlapping personal loan..sbb byk offer dari ejen ejen membanjiri telefon..apa benda tu ya....tq
Reducing balance pun macam ni juga. Cuma ada yg flexi, senang bayar principal
terima kasih berkongsi
Bang cuba recview product hire purchase rhb variable rate. Padu reducing balance dan boleh bayar principle
Salam afham ,bincangkan dividen asb yg terbaru
@@AminAmyn-q8x nak try explain pengiraan asb pulak
Salam bole buat konyeny pasai overdraft..Dan cara nk settlekn hutg overdraft
Its all about psychology..bayar awal lega,lega tu sihat,sihat tu lagi mahal dari segala duit,steve job yg kaya raya pun mati sebab cancer,duit takbole beli health,
Maybank dah implement Balance Reducing Loan ni tahun lepas.
@@FarisIskandar wow, baru tahu, thank you info, ni utk loan apa?
@@afhamyusof banyak dah banks pakai reducing balance. untuk HP, tunggu nak gubal HP 1967 Act. masuk Parlimen by 1Q25. Untuk personal financing nie, certain banks dah pakai. rasanya Bank Islam dah start.
afham,bg update sikit pasal axia kau lepas 1 tahun...mcm mana penggunaan,maintanence semua
BANG UPDATE TENTANG WAHED!!!
BANG UPDATE TENTANG WAHED
BANG UPDATE TENTANG WAHEDD!!!!!
Taking personal loan to get married is insane.
most of the time rugi bayar awal. tapi kalau loan 9 tahun, better bayar masa tahun ke 8. balance loan guna Rule 78 lagi rendah dari guna reducing balance. tapi kalau tak bayar awal, actually Rule 78 lagi rendah interest. so, yg mana lagi Islamic sbb Rule 78 rendah riba/faedah? hahaha
Baik invest duit yang ada dpd bayar loan cepat2
saya harap berjaya invest mencapai tanpa hutang
pergh ade misai sekarang eh
@@tet2537 nak pikat isteri sendiri, bukan isteri orang
Kalau ptptn same juga ke?
setau saya tak.. PTPN kira ikut reducing balance
riba haram jelas dalam quran, tapi kita hidup dalam ekonomi riba, thats why jugak muslim paling lemah. belajar pasal btc jugak afham. btc is the new form of money yg akan ganti fiat
apa beza btc dgn e-money??? supply BTC sikit. tapi kalau dah boleh beli 0.000000000000000001 BTC, mcm unlimited supply jugak la.
@0.000001 tak menjadikan supply itu unlimited, sama cam kalau kita potong piza jadi 1/10 iaitu 0.1. adakah pizza kita tadi bertambah?
kita mungkin akan ada banyak cebisan piza, tapi cebisan piza tu kita gabung kan balik kita akan tetap dapat 1 piza. harap saya jelaskan baik
harap lepasni dah tak wujud la rule 78 ni dekat Malaysia🙃
good
konsep ni yang digunakan dalam asbf sekarang kan?
x... asbf ikut reducing balance loan.. mcm rumah..
@azamkfc9065 tapi tuan kenapa bila saya check dia macam konsep rule78, sebab mula mula dia akan mula dengan byr byk interest dulu ke bank baru sikit demi sedikit principal dia naik
@@muhammadzakwanhilmiismail3689 maybe sebab jumlah hutang awal tu byk, sbb tu bayar interest awal tu byk.. cth rm 200k x 4.5% utk tahunan pertama, compare 195k x 4.5% tahun kedua.. dan seterusnye..
beza fixed rate lak.. dia punya asas hutang tu sama bg setiap tahun.. 200k x 4.5% tahun pertama dan 200k x 4.5% tahun kedua dan seterusnye.. baki hutang dlm pengiraan interest adalah sama pada setiap tahun..
Versa Syariah compliance?
ada dua...konventional dan islamic
Versa ni PIDM tak?
Rasanya tak cover. Baik beli emas, kenaikan 12% setahun.
afham,challenge simpan 10k dlm versa save tu mcmana dh?dh ckup 1 tahun ni
@@MadzaraOfficial_93 akan di update nnti, ni video rekod tahun lepas 👌
@ orite.mantappp!!
@@afhamyusofversa yang you simpan ni islamic or konvensional?
salam afham,versa ni klo kita join menyimpan mudah liquid ke?
@@TheKuzay liquid jugak, lagi² versa cash-i boleh dpt hari yg sama
Kau harapkan.gomeng..hehe..bila pulak madani nak kesah buat pasal rakyat
Terbaaaeeekkk👍👍🫵
asb 1,2,3 je
1. You clearly have no idea what rule of 78 is.
2. Reducing balance is not work the way you said.
3. All the above is just a method of profit/interest recognition over tenure je, and has nothing to do with pay more can lessen the tenure or profit/interest rate coz that thing is a product features.
4. Have you ever demonstrate the differences of profit/interest recognition between rule 78 and reducing balance? If no, you have no idea how similar they are.
5. Full settlement will change over the tenure, so, if you are requesting redemption statement this month, the amount of full settlement is differ from 2-3 months ahead. So “simpan duit sampai dpt the settlement figures” is useless.
6. The reason of this whole video is just to promoting Versa.
Fyi,
1. Not all bankers understand the computation of profit recognition. If you ask teller at the counter, the dont even know how, even branch managers.
2. If you are not working as a product people in Banking, your arguement is just a tale coz you clearly have no idea about OPEX, CAPEX, ECL, FC, OH, breakeven pricing and alot more.
Sincerely,
Product Management, one of Islamic Bank in Malaysia
aduhhh...dari dok perli & kritik..baik laa kongsi kepakaran & ilmu bagi rakyat netizen aware & faham selok belok kewangan...kedudukkan pun dah chantik dah dalam bidang kewangan islamik
mat, kalau setakat sembang, aku pun boleh. So kalau salah, ape itu rule of 78? bagitau la. Ke org keje bank mmg semua camni perangai dia
@@afzalsainul7296 😁
Then, explain la apa tu rule 78?? Jgn tau ckp n kritik jer. Cuba bg ilmu, share ngn kami baru la betul kritikan membina. Otherwise ur critics are just useless bro
So explain je la kt kitorang yg xtaw ni 🙄
Pulak.