Anyway, yesterday I went hunting to every bank; inquring on their housing loan package (walaupun the glimpse of signing any SnP is yet to be determined; but it's fun). Some wealth advisor mcm tak faham their own housing loan package, some are very helpful until you felt that this is the best package and let's sign the agreement like now!hahahah! but, again, lesson from the previous post;
Being a Muslim, I would always want to practise as one as much as possible. Maklumla, hidup dkt dunia ni, mcm persinggahan bawah pokok, skjp je, yg pntg bekalan yg nak dibawa `dunia' yg lg satu tu ..Termasuklah dlm urusan jual beli. Yup, we must go for Islamic Banking; regardless of how `fragile' the current system is. I am very much trying to adhear to Islamic banking. Yup, I know, isu ni still very `cloudy' among Muslims, tp hukum mengambalkan riba, tetap haram; and termasuk dlm dosa besar. So, as much as possible we would like to avoid riba la,kn? Looking at the housing loan package provided by most Islamic bank, the rate is quite the same with the conventional banking. Then, timbul pulak isu, then why do we choose Islamic banking, if the rate between conventional and Islamic banking is the same? Conventional guna BLR and Islamic Banking guna BFR. Apa beza BLR and BFR? Me; myself still in very much reading on this topic. To this level, I know both BLR and BFR akan naik turun, cumanya with BFR; nilai takkan go more than 10%. Maksudnya, if tahun tu BLR jd 15%, BFR will still stay at 10%. I would write more on this after more readings because I would like to promote Islamic banking to everyone, because the system will not be implemented kalau we, as Muslim sndr tak sokong system tu.
Anyway, I would like to hear from you guys too. What do you guys think? I want to start off with a flat less than RM 80k, rent it for a couple of year as investment. Or to proceed to a real house; to settle down, once hubby comes back because we would have a longer period of paying the loan since we start off at younger age.
I would welcome suggestions,peeps..=)
p/s- Cant wait for Tuesday, flying off to Kuching, spending the rest of the week with hubby.. =)