打算购买房子而进行贷款的人士,选择贷款配套之前,先了解一些事项,以选择适合自己的贷款配套。
1。贷款的目的 :是再融资或购买房子
2。房产的类型 :投资(打算卖出或出租)或自住
3。你认为最关键的事项 :
a。贷款的数额
b。只愿意支付最低的头期
c。 贷款配套是否要有利率顶限
d。固定利率或浮动利率
e。贷款期限
f。锁定期
g。期限前清还贷款的罚款/成本
h。最低的利率
i。有伸缩性的偿还额及偿还期
j。喜欢的银行
4。你的财务状况
5。你的负债状况
6。正式以及非正式的收入
If I have seen a little further, it is by standing on the shoulders of giants. 海纳百川,故成其大。
“目前南北大道公司在大馬股票行的股票每股值2令吉88仙,市價是144億令吉,政府可以給其他股東15%利息,以每股3令吉30仙出售有關股票。”
一旦政府收購南北大道,南北大道未來將不會調漲過路費直至2015年,國民也能在2009至2015年之間省下140億令吉。
他指出,政府只需花費137億5000萬令吉,以支付南北大道公司85億令吉的債務以及52億5000萬令吉給南北大道其餘35%的股東。
可通過發放債券籌資
另外,他說,政府可以通過發放政府債券方式籌資,每項債券利息是3%,6年經費是162億令吉。
他認為,政府收購南北大道並不會面對任何附加財政負擔或影響財政赤字,反而有助振興經濟。
他希望,財政部和工程部能將這項利惠政府和大馬人的收購計划,納入3月10日公佈的“迷你預算案”內。
南北大道有限公司之下有6條收費大道,即南北大道、芙蓉―波德申大道、南北中環大道、居林―北海大道、馬新第二通道以及北巴生海峽大道。
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Not exactly a feel-good piece, but understanding where you are is an essential component of figuring out where you're headed.
Many people seem to think that investing is simply throwing money at some hot deal and hoping to strike it rich. Or just turning it over to a total stranger and hoping that stranger or that company returns your money to you someday. Obviously that is not investing - it is gambling. But worse than gambling, it demonstrates a lack of respect for something most people have given a part of their life, their sweat, blood, and time for.
Most people do not like working for abusive and cheap people or abusive and cheap companies. Yet when it comes to the money they invest, many people turn their money over to people and companies that seem to care more about their own self-interest than the investors' interests.
Warren Buffett said, "The best way to get rich is to not lose money."
One of the best ways to not lose money is to invest a little time making sure the money you invest... your personal employees... are working in a financially intelligent, high-integrity, well-managed, financially responsible, and safe environment. That is what an investor does. That is what investors such as Warren Buffett do.
Warren Buffett treats money, the businesses he invests in, his workers, and his investors with a high degree of personal intelligence, integrity, and respect. That is why his company is so successful.
Rich Dad said, "People who do not respect money, or abuse the money they earn, are themselves often not respected and financially abused."
Regardless of whether if you invest in businesses, real estate, or paper assets, treat those assets and your money with the same respect you want for yourself. If you will do that, your money and those assets will grow and make your life easier and more abundant.
Take care of your money and your assets and they will take care of you.
As my rich dad said, "If you take control of your money, you take control of your life." He also said, "Give your money to strangers and your money will work for the strangers - before your money works for you."
Become an Educated Investor
If a person does not know what to do with their money, they should first invest some time in their investment education before investing their money.
In my opinion, one of the primary reasons why millions of people lost trillions of dollars is because they invested their money but were not willing to invest their time.
Always remember what my rich dad told me years ago. He said, "People without much financial education most often fall for a sales pitch... mistaking the sales pitch for advice."
KUALA LUMPUR: The Employees Provident Fund (EPF) Board acquired 9.63 million shares of IOI Corp Bhd in the open market from Feb 5 to 11. A filing to Bursa Malaysia yesterday showed the EPF acquired the shares at prices ranging from RM3.74 to RM3.93. It paid a total of RM34.62 million for the shares. During the same period, the EPF also sold 2.09 million shares for RM8.04 million. The EPF also acquired 758,900 shares in IOI Properties Bhd during the period for RM1.94 million at prices ranging from RM2.53 to RM2.57. IOI Corp had on Feb 4 proposed to take its 76.04% owned IOI Properties private at RM2.598 per share to be satisfied in shares and cash. Shareholders owning the remaining 24% stake, comprising 199.73 million shares in IOI Prop would receive 0.6 of an IOI Corp share of 10 sen each at an issue price of RM3.78 per share, and 33 sen cash for every one IOI Prop share held.
Hard work : All hard work brings profit; but mere talk leads only to poverty.
Laziness : A sleeping lobster is carried away by the water current.
Earnings : Never depend on a single source of income.
Spending : If you buy things you don't need, you'll soon sell things you need.
Savings : Don't save what is left after spending; Spend what is left after saving
Accounting : It's no use carrying an umbrella, if your shoes are leaking.
Risk-taking : Never test the depth of the river with both feet.
Investment : Don't put all your eggs in one basket.
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