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Create: 2022-07-25 Update: 2024-04-30 09:16:33

YANG BERHUTANG WAJIB TAHU PERKARA NI

Anda ada hutang kereta? Hutang rumah? Hutang peribadi? Kad kredit? Asb loan? Atau ape jua hutang dengan bank, maka anda wajib tahu tentang perkara ini.

1. Due date hutang
Due date ni bermakna hari terakhir yang anda perlu bayar hutang anda. Jika anda tidak membayar pada tarikh due date itu, maka pihak bank akan kenakan saman terhadap anda dan rekod kewangan anda akan terjejas dalam CCRIS.

2. CCRIS
Yang ni pula berkaitan rekod kewangan anda, apa jua jenis hutang anda akan masuk dalam report ni. Report ni pula akan digunakan oleh pihak bank sebagai penilaian prestasi bayaran balik kewangan anda. Jika payment anda bagus maka status akan tulis 0 bererti tiada tunggakan. Tetapi jika tidak baik dia akan tulis 1 bererti tertunggak sebulan kalau 3 bererti tertunggak 3 bulan dan seterusnya begitulah.

3. CTOS
Yang ni pulak lebih kurang macam CCRIS, cumanya kalau ada saman masuk dalam benda ni. Biasanya berkaitan dengan hutang-hutang kecik. Contoh seperti loan motor ke, peti sejuk ke meja ke perabot ke ape jualah yang bila anda register nak bayar bulan2 tu dia akan mintak Mykad anda. Jika anda lewat bayar akan disaman masuk dalam CTOS. Biasa kalau anda dah setel hutang pun, rekod tu masih ada dlm CTOS. Itulah bezanya dengan CCRIS, CCRIS kalau dah setel tunggakan terus takde rekod. Tapi CTOS lain.

Itulah sedikit sebanyak berkaitan kewangan yang admin boleh berkongsi, nantikan info kewangan seterusnya.

Tak tahu cara nak promote channel biz anda? Boleh cuba pakej paid review admin, serendah rm60/link sebulan promote. Nak diskaun lebih? Pm @yhpaid_bot untuk info lanjut. Terima kasih 😘

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YANG BERHUTANG WAJIB TAHU PERKARA NI

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