Budget 2011

Salam..

3pm td budget 2011 da dibentang
xdpt dgr penuh coz keje
but based on news td, ade satu part yg rase sgt beguna tuk mmber2 sebaya aku nie
" pendapatan below RM3k bley apply loan umah 100%, consist of 90%bank and 10% gov subsidi..tuk umah below RM220k, duti setem is 50% discount"

--> so guys, pe lg, awai taun dpn, cpat2 la cari umah yg nk dibeli n sesuai as ur investment..currently, BLR quite ok, most of the banks offer at BLR-1.7 to -2.2, which BLR at 6.3%..i think, maybe akan naik lagi skali this year coz risk bank da agak bsr next year..org rmai pnjam, tp kemampuan tuk byr blk tu, x tau la mcm mane coz peruntukan tu pun tuk golongan belia...

--> rmai belia yg tanggung utang kereta, personal loan n cerdit card..so, agak bahaye gak ble loan2 yg lbh besar jumlahnya nk dibg kt golongan ni..(temasuk la sy sndri :p )

--> tendency golongan cm kte ni adalah kete yg nmpk stylo, umah yg class, blanje besar, which causing us to use the personal loan n credit card ikut sesedap nafsu, bukan keperluan..

--> But yet, still ade yg bijak amek peluang yg ade dpn mate ni..so, pandai2 la berbelanja n wat investment k, hope loan2 ni sume, x menjerat kte ke jln muflis di ketika usia belum mencecah 30 thn!!