Auto industry, Bank Negara to discuss loan guidelines February 22, 2012

Jangan menambah hutang atas liabiliti(kereta) kerana harganya makin lama makin turun. Berbelanja mengikut kemampuan dan bukan mengikut kemahuan.Tidak masuk akal gaji 1K tapi mempunyai kereta yang ansurannya RM500 tidak termasuk minyak dan kos penyenggaraan..

Ingat Urus Duit dengan baik


Auto industry, Bank Negara to discuss loan guidelines
February 22, 2012

KUALA LUMPUR, Feb 22 — Automotive industry players will meet Bank Negara on Friday to discuss the new guidelines for loan borrowers, following a 25 per cent drop in sales of new motor vehicles last month, Bernama Online reported Proton as saying today.

The guidelines have been in force since January 1.

The news portal said Proton Edar Dealers Association Malaysia (Peda) has called for the new responsible financing guidelines to be re-examined, claiming that sales have been affected as only 30 per cent of applicants have managed to secure car loans since its implementation.

The Malaysia Motor Association had reported a 25 per cent drop in sales of new motor vehicles and cited a tightening of the hire purchase loan approval process, a shorter working month and the impact of Thailand’s floods as the main reasons.

In a related development, Proton Holdings Bhd Group Managing Director, Datuk Seri Syed Zainal Abidin Syed Mohamed Tahir, told Bernama today that he understands the move is part of the government’s drive to control household debt but that it could be detrimental to the automotive industry in the long term.

He stressed that it is important for the industry to be sustainable and still grow against a backdrop of soft economic sentiment.

Tabung Haji @Maybank

Tabung Haji
A facility provided to perform banking transactions for own/third party Tabung Haji account at Maybank Automated Teller Machine (ATM) and Cash Deposit Machine (CDM)
Benefits

Convenience: Conduct your Tabung Haji transactions through our extensive ATM and CDM network

Fast: You can perform your transaction easily and conveniently

Affordable: Reasonable charges imposed on selected transactions
Services available are:
ATM

Cash withdrawal from Tabung Haji account
Transfer of Fund
From Maybank account to Tabung Haji account (own/third party)
From Tabung Haji account to Maybank account (own/third party)
From Tabung Haji account to Tabung Haji account ( third party)
From Tabung Haji account to Tabung Haji Trustee account (own)
Balance Inquiry
Registration of Hajj
Registration of Tabung Haji account (own/trustee) to ATM card

Cash Deposit Machine (CDM)

Deposit
Balance Inquiry
Hajj Registration (with Maybank ATM card)

Charges

Services via ATM Service charge per transaction (RM)
Cash withdrawal 1.00
Transfer of Funds 1.00
Balance Inquiry Free
Hajj Registration Free
Registration of Tabung Haji account to ATM card Free

Services via Cash Deposit Machine (CDM) Service charge per transaction (RM)
Cash Deposit 1.00
Balance Inquiry Free
Hajj Registration Free

Below are the steps to perform:
Registration of Tabung Haji account to Maybank ATM card via ATM

Enter Maybank ATM card
Select "Tabung Haji"
Select " Register Tabung Haji account to ATM card"
Enter Tabung Haji account number
Select "Yes" to go to next screen
Enter Tabung Haji passbook serial number
Select "Yes" for confirmation
System process your request and slip will be generated.


Cash Withdrawal via ATM

Enter your ATM card
Select "Tabung Haji"
Select "Cash Withdrawal"
Enter amount (RM)
Screen display all registered Tabung Haji accounts. Select account to be debited
Cash dispense
Transaction slip will be generated


Registration of Hajj with via ATM and CDM

Enter your ATM card
Select "Tabung Haji"
Select "Hajj Registration"
General requirements will be displayed on the screen
Select "Yes" to proceed to next screen
System process your request and slip will be generated


Cash deposit via Cash Deposit Machine (CDM) -with ATM card

Enter your ATM card
Select "Tabung Haji"
Select "Cash Deposit"
Select account to be credited
Insert cash
System process your request and slip will be generated


Cash deposit via Cash Deposit Machine (CDM) - non-card

Select "Tabung Haji cash deposit"
Enter Tabung Haji account number
Select "Yes" to proceed to next screen
Insert cash
Press "Yes" to confirm your deposit
System process your request and slip will be generated

Simpan Dulu Baru Belanja

Salam


Dalam menguruskan kewangan, simpanan merupakan perkara asas dalam kewangan. Seharusnya kita menyimpan/menabung dahulu sebelum berbelanja.


perbelanjaan=pendapatan - tabungan

disarankan agar simpanan dilakukan sebanyak 10% daripada pendapatan bulanan kita. Potongan boleh dibuat dengan mengisi borang potongan gaji lembaga tabung haji dan ASB atau standing instruction.


Apa yang penting lakukan sekarang..jangan berlengah lagi