Gaji Puluhan Ribu Tapi Loan Tak Lepas.. Perlu diketahui pihak - TopicsExpress

Gaji Puluhan Ribu Tapi Loan Tak Lepas.. Perlu diketahui pihak bank hanya mengintai 70% daripada gaji bersih anda. Lagi 30% untuk keperluan hidup semalam makan minum, belanja rumah & anak-anak. Sekiranya anda telah menggunakan 70% untuk loan rumah, kereta dan sebagainya, tandanya anda telah layak memohon loan lagi. Dijadikan contoh, seorang klien bergaji puluhan ribu. Tetapi bank tolak permohonan loan sebab komitmen bulanan yang terlalu tinggi. Antaranya loan beberapa unit kereta, motor berkuasa tinggi, beberapa unit rumah, pinjaman peribadi, kad kredit dan lain-lain. Klien ini dalam proses menjual beberapa unit rumah dan selesaikan pinjaman peribadi. Dengan harapan komitmen bulanan menjadi rendah dan boleh mohon loan. Ini dipanggil Debt Service Ratio (DSR). Bagaimana tahap kesihatan DSR anda? Nak tahu tahap DSR anda layari bit.ly/17iYsEl

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