1) kalau islamic, hang byr lebih they put the money in a buffer, next month hang byr kurang.. tak deduct drpd prime value yer..kalau conventional.. byr lebih they will deduct from your prime value.. the best is to find daily basis punye pinjaman.. HSBC! yg i tau la.. for both slamic n maxi home.. muamalat nak kita org byr utk sethn baru deduct from prime.. gilllerr apee
2) muamalat buat silap, tak letak log in period for our case meaning we can refinance our house anytime.. but they refuse to accept their mistake, they still want us to pay for the penalty.. dah la penalty muamalat byk le berbanding bank lain.. more than 2% as compared to bank islam.. bank lain? pastu they claim keluar pekeliling kata kena byr juga.. abih tu kenapa pekeliling tak sampe pada kita org? sungguh tak profesioanl menyebabkan bile tibe slot tajaan muamalat kat tv3 time berita aku ngan laki akunaik muak nak teermuntah.. ape islamic yg membebankan.. dah la nak cek baki nak kena byr balik pun lambat wehh 2 mgu baru dpt figure.. then.. nak cek byran bulanan pun tadak dlm sistem.. akunye kes kena call kat sbrg jaya tanya.. lembaps.. tu pasal tadak org kat muamalat.. aku aritu amik sbb they can offer 100% loan.. dan jugak nak islamic le kekonon.. sbb depa nye rate rendah skek drpd bank islam.. kalau ku tahu consequencesnye bank itu bergini.. tanak akuuu..
3) we understand kalau refinance kite selalunye refinance dgn bank lain.. tapi boleh jer refinance dlm bank yg sama mcm maybank.. muamalat mmg tak bagi refinance langsung.. now kan dah BFR-2% gitu.. ours is BFR+0.5%.. tak flexi
4) after 4+years paying, they dont deduct a cent from our prime value.. we pay the interest jer all this while.. whereas other banks.. ade yg tolak interest oso prime values from the first month.. so need to figure that too.. tu pun muamalat kata tak untung lagi.. "we have to achieve our target" bla bla bluekkkkk
5)pengalaman dgn bank islam plak.. kepoh je kata bulan nov n dis tak yah byr.. so u pay only 10 months.. sebenarnye.. byran 2 bulan itu ditangguhkan keblkg.. meaning if u do 10 years punya loan, after 10years u have to pay another 2X10=20 months lagik.. ckp tak habis ler.. cukup tak suke kalau gini.. memang mengakui amat buta dlm selok belok bank nih.. dan rasa sungguh tertipu dan terpedaya bile bank tak ckp semonyeee.. ada byk muslihat tul.. i hate to say that i dont like and trust islamic scheme nih sbb myself islam.. tapi mcm mana nak support
memandangkan islamic scheme nih pun ntah papa..
6) a lecturer suggested to bank islam to change their calculation a lil bit so that pengguna tak beban and they still get whateva keuntungan they targeted.. they refused.. in fact utk fixed rate.. islamic dgn 7% nye itu adalah yg tertinggi yer.. public bank islamic pun bley bagi 6%.. what the **** is that?
7) membebankan? tak membebankan? bukan kah islam itu menganjurkan perkara yg tidak membebankan.. mmg aku setuju la kalau kakak hang byr cash.. abis cite.. byk byr interest..
ape lgik yer.. we, my husband and i need to figure this out.. we want to ask other banks n we promise not to deal anything with muamalat after this.. slow management etc.. i just hate to mention about the bank
