Applied for OD/ASB

Alhamdulillah, tadi aku and wife baru saja apply OD facility dari CIMB. Since kitorang dah amik borang OD nie dah lama dah and get all the documents ready before hand, so everything went very smoothly this afternoon. Akak loan officer CIMB nie dah macam member plak ngan kitorang. Best betul kalo dah kenal orang bank nie...semua mende cepat je. Bile OD dah approve nanti baru CIMB akan amik sijil ASB original untuk diorang simpan for collateral. The current interest rate for CIMB OD is now BLR - 1% and based on CIMB website, with effect from Feb 3rd, the BLR is 5.95%. So the nett rate for OD will be 4.95% per annum (daily rest). Woww that's really cheap compared to 18% per annum for credit card.

So akak CIMB nie sembang2 ngan kitorang tanye "Hmmm u all nie cam ade nak buat project je?". And we all jawab "Ade la sikit2". And she mentioned that skarang nie memang ramai orang dah start buat OD/ASB nie sebab rate die rendah. Adakan ini bermaksud sudah makin ramai orang yg dah tau pasal rahsia kejayaan Property Millionaire? Sebenarnya ramai orang tau pon tak penting. Sebab ape? sebab auction properties kat Malaysia ni tersangat la banyaknya. Kalo kita tak menang for one particular property that we bid, takpe. InsyaAllah, mungkin nama kita akan ada pada property2 yg lain. Jadi kita tak perlu risau.

Sementara menunggu OD approve, aku pon dah start email sifu2 auction property ni. Basically, diorang nie memang dah masak sangat la dgn all the procedures with regards to pre and post auction. So diorang tubuhkan satu company known as SatuSolution. Sememangnya, diorang nie sgt efficient and mantap dalam mengendalikan auction property sehingga tahap boleh diduduki dan seterusnya disewakan dalam masa yg agak singkat which is sebelum start bayar mortgage lagi. Wow tuh dah kira PASSIVE INCOME tuh. Aku dah email diorang nie mintak details pasal FULL PACKAGE yg ditawarkan and also price quotation.

Esok, aku ngan wife nak gi jalan2 usha properties kat area2 yg we all interested and bile OD approved je, bole terus bagitau SatuSolution untuk ready for bidding our first auction property. Aku akan amik gambar property2 yg kitorang usha and update dlm blog nie esok.