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>> Friday, September 23, 2011



Kredit gambar to www.senihias.com

Hmmm...

I've received the first phone call from the bank yesterday regarding our house loan. So far after my house agent mentioned that she's already passed my relevant document to the banks, it was the first call that I got. Or maybe that would be the only one? I don't know.

We talked about some of the processes, the SNP form, the legal fees, kaviat, wasiat all the way to the cost that's gonna be charged to me. He said it would approximately cost around 10% from my 90% approved loan which is around 25K.

Woawwwwhhh!!!!

My eyes were like rolling up and trying to find their ways to get back into position. 25K man!! After he forwarded me the applicant form to be filled up and emailed back to him, I started discussing it with my wife, contacted some of my friends to get some suggestion and opinions. I reached any friends that I thought could help me on defining the rough estimation of a 'normal' cost of these kind of processes.

Cut short, I got the impression that 25K is way toooo expensive. So today I was asking any recommended lawyer number from my friend and suddenly a call came in and it was the Muamalat guy. He was asking when I can submit the form but I directly conveyed my concern on that 25K cost. He was calming me down and said that was the rough estimation. He calculated the real cost (still a rough one though) and told me it would be around 16K. Hmmm..

Asked my fellow colleague and she said it's quite normal. The best part of this bank is that I don't have to worry about the Riba', Akad and everything. It's 100% Islamic financing. Is this how Allah assists me after all that daily prayer? Probably. So now I am filling the form but still open my mind to any other options.


Hmm..Ok. I think I stick with Muamalat lah. Looking for halal tu kan wajib. (sedapkan ati takut ada bank offer yg lebih nice). The guy had also explained that their service doesn't have any riba', hidden charge and even taught me on how the conventional bank would fine you if you ever pay the installment later than the monthly due date. 

So..I've just called Cembam saying that I would opt Muamalat for our housing loan and she just leave the decision to me. Ok..gonna fax this form now and send it to the bank...

Now googling on MLTA and MRTA insurance.

10 comments:

zonaku September 23, 2011 at 3:14 PM  
This comment has been removed by the author.
HEMY September 23, 2011 at 3:39 PM  

ni kira tggl jejak proof dh baca la ni?ekekeke

Masy September 23, 2011 at 3:52 PM  

aku ritu kene 13.5k. sbb rumah tu pun 135k. mmg bulat2 betul takde cas lain agaknye owhh.. loyer kene dlm 2k++ x silap aku. pastu ade ratus2 lg kene bayo utk utilities klu x silap aku.

huhuhu

zonaku September 23, 2011 at 3:59 PM  

nk komen, tp x der perkataan. blh?

hafrawiey ozakawa September 23, 2011 at 9:06 PM  

i like to decorate my house..


p/s:done follow here.follow back

Pocket September 24, 2011 at 1:24 AM  

SnP ngan lawyer fee sampai 25K!?
pocket ari tu 9K jer, SNp ngan lawyer fee kot. tak ingat dah..
but then again pocket beli rumah murah jee.. sikit lagi tumpang titi gak nak wat bumbung, so memang la murah kan :D

HEMY September 24, 2011 at 9:11 PM  

hmm..tu lah..mahal gak kan? tp latest dia kata 16K...mungkin cover banyak benda. kena mintak bank itemize sume benda yang dia cover tu lah

MakNgah September 28, 2011 at 12:33 AM  

sebagai kerani yang koje dgn lawyer..sy rase 25K kalau tuk buat snp, kaveat tu semua xdelah byk tu. maybe ada mana2 info yg kurang kot.

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