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Sunday, 21 April 2013

အေရးေပၚဘဏ္ေတြမွာေငြသားေခ်းယူျခင္း!

ႏိုင္ငံျခားေတြမွာ သင္အေရးတႀကီးေငြေတြလိုအပ္လာရင္  ဘယ္အေပါင္းအသင္းဘယ္သူ ေတြဆီကမွ ေငြအလြယ္တကူ ေခ်းယူလို႔ရက်မွာမဟုတ္က်ပါဘူး! ကုမၸဏီပိုင္ရွင္သူေဌးသူငယ္ခ်င္းေတြလဲ မကယ္ႏိုင္တဲ့ အမွန္တကယ္ ျဖစ္ရပ္ေလးျပႆနာေတြႀကံဳဖူးက်မွာပါေလ....သင္မွာလုပ္ငန္းရွိသူေဌးျဖစ္ရင္ေတာ့ ေငြေခ်း လို႔ရႏိုင္ပါေသးတယ္၊(ယံုၾကည္မႈ)
ကၽႊန္ေတာ္ျမန္မာျပည္မွာကိုယ္ပိုင္လုပ္ငန္းေတြလုပ္တုန္းက စီးပြားေရးနာမည္ေကာင္းေအာင္ျမင္ ေနခ်ိန္ ေတြမွာ ေငြထုတ္ေတြအပံုလိုက္လာေပးၿပီး  သံုးခိုင္းတဲ့ျဖစ္ရပ္ေလးေတြ ႀကံဳဖူးပါတယ္၊ အဲ! စီးပြားက်လို႔နာမည္ပ်က္ရင္ကေတာ့...ေဆာ္ရီးလ္ေနာ္! ဘယ္စီးပြားဖက္ ဘယ္အေပါင္းအသင္း မိတ္ေဆြေတြမွ ေမးထူးး ေခၚေျပာေတာင္ မရွိေတာ့ပါဘူး!(အဟုတ္ပါဘဲ!)...
Money = Power
 
ဒီစကာၤပူဘဏ္ေတြက သင့္ရဲ႕လစာ၀င္ေငြ ႏွစ္စဥ္ $ ၃ေသာင္းကေန၄ေသာင္းခြဲေလာက္(လစဥ္$၂,၅၀၀-၃,၇၅၀)ရေနတဲ့ လူေတြအေနႏွင့္ Credit Card ေတြေလွ်ာက္ရတာအလြယ္တကူရတာျဖစ္လို႔ ျပႆနာမရွိေပမဲ့ ဒီထက္၀င္ေငြနည္းေနတဲ့လူေတြအတြက္က ေတာ္ေတာ္ကို၏ဒုကၡေရာက္ၿပီး ဘယ္ဘဏ္ ကမွ Credit Card ေတြ ေပးက်မွာမဟုတ္ဘူးေလ!  "ဒီ Credit Card ကလဲ ၀ယ္ျခမ္းသံုးစြဲလို႔ရေပမဲ့ ေငြသားသတ္သတ္ထုတ္ယူလို႔မရပါဘူး ဒီလို Cash ေငြသားထုတ္ခ်င္ရင္ ျပန္ေလွ်ာက္ယူရပါတယ္"...
ကဲ! အခုလိုအေရးေပၚေငြသားလိုလာရင္ေကာ? ဒီလိုျဖစ္လာရင္ ဘယ္လိုလုပ္က်မလဲ? ၁%ေပးရတဲ့ နီးစပ္ရာ အေပါင္ဆိိုင္ကိုေျပးရမလား? ဒါလဲမိမိမွာေပါင္စရာေရႊထည္လက္၀တ္လက္စားေတြရွိမွာ အဆင္ ေျပမွာပါေလ....
အဲဒီလိုဘာမွမရွိရင္ ေငြေခ်းလို႔ရတဲ့နည္းလမ္းေလးေတြ မရွိေတာ့ဘူးလား! ဘာမွာစိတ္ပူမေနပါႏွင့္ သင္ဟာSingaporeans and PRs ျဖစ္ရင္ ႏွင့္ ဘဏ္ေတြမွာ $ ၂၀,၀၀၀ကေန ၃၀,၀၀၀ ေအာက္၀င္ေငြနည္းသူ ေတြအတြက္   သင့္ရဲ႕လစဥ္လစာသာ $၁၆၆၇ သာရွိပါေစ စကာၤပူဘဏ္ေတြမွာ instalment ႏွစ္တိုႏွစ္ရွည္ အလြတ္တိုးေငြေခ်းလို႔ရပါတယ္၊ ေနာက္ၿပီး ဘဏ္ေတြမွာေတာင္းဆိုထားတဲ့လိုအပ္ခ်က္ေတြက ဘဏ္တခု ႏွင့္တခုမတူပါဘူး...
  • Age 21 and above....
1-    NRIC for Singaporeans and Singapore PRs or
       EP/WP employment pass/work permit or student pass and passport for foreigners
2-    Income documents
  • Latest computerised/electronic payslip (salaried employees) or;
  • CPF contribution history of last 6 months (12 months for self-employed and commission-based earners) or;
  • Company Letter certifying Employment and Salary.
  • Latest income tax statement (2 years for self-employed and commission-based earners)......
  • ဒါက စကာၤပူဘဏ္ေတြပါ...
  • OCBCဘဏ္ကEasi Credit (Annual income S$20,000 and above (For customers with annual income less than $30,000, only Singaporeans can apply) Singaporeans, Singapore PRs and foreigner. သူက Easi Credit Card လိုေျပာထားတာေၾကာင့္ ၀င္ေငြနည္းတဲ့ သူေတြအတြက္ တမ်ိဳးလွည့္ၿပီး CreditCard ပံုစံေပးထားၿပီး ေငြသားကို မိမိလစဥ္၀င္ေငြ ၂ဆ ေလာက္ထိႏွင့္ လိုအပ္တဲ့အခ်ိန္မွာလိုသေလာက္ေငြေတြထုတ္ယူႏိုင္ၿပီး က်သင့္အတိုးေပးရတာပါ၊ ဒါေၾကာင့္လဲအတိုးေတြပိုမ်ားေနတာကိုေတြ႔ရပါလိမ့္မယ္၊အတိုးကေတာ့၂၉.၈% (၂၀,၀၀၀<၃၀,၀၀၀ေအာက္)  ႏွင့္  ၁၇.၉၅%(>၃၀,၀၀၀ထက္)ကေနယူထားပါတယ္၊ ၅ႏွစ္ထိေခ်းေပးပါတယ္၊
  • ေနာက္ၿပီး ေစ်း၀ယ္လို႔ ေငြ ၅၀၀ေက်ာ္ရင္ အတိုးမေပးရဘဲ  ေဆာင္ရြက္ခ ၃%ႏႈန္းသာေပးရ ေသာ Interest free Monthly instalments Plan ဆိုတဲ့ ၃လ၊၆လႏွင့္၁၂လထိ လစဥ္အရစ္က်ပံုေသေငြေပးေခ်တဲ့နည္းေလးေတြႏွင့္ေစ်း၀ယ္လို႔လဲရပါေသးတယ္! တပတ္လံုး တနလၤာေန႔ကေန တနဂၤေႏြေန႔ထိ ပိတ္ရက္မရွိဖြင့္ထားေပးတဲ့တခုတည္းေသာဘဏ္ျဖစ္ပါတယ္.....
  • ဒီမွာေလွ်ာက္ၾကည့္လိမ့္ပါေနာ္....

  • Stretch your bills into interest-free monthly instalments

    For purchases of S$500 and above

    • Repay any of your local, overseas or online purchases with monthly instalments
    • Fixed monthly payments over a period of 3, 6 or 12 months....
    How to apply.......


  • UOB Credit Cards Personal Loan ဘဏ္ရဲ႕ေတာင္းဆိုခ်က္က ၀င္ေငြ$ ၃,၀၀၀၀ မွာစေပးပါတယ္....(Singapore Citizens and Permanent Residents: S$30,000 & above and Foreigners with Employment Passes: S$60,000) သူကေတာ့ေတာင္းထားတာမ်ားေတာ့ အတိုးလဲသက္သာပါတယ္၊ ၁၅.၄၄%ကေနစယူထားပါတယ္၊ ၅ႏွစ္ထိေခ်းေပးပါတယ္၊

  • ႏိုင္ငံျခားဘဏ္ေတြကေတာ့....
  • Standardchartered ဘဏ္က EZY Cash (Singapore Citizens and Permanent Residents: S$20,000 & above and  Foreigners with Employment Passes: S$60,000)  ...ေတြကိုေလွ်ာက္လို႔ရပါေသးတယ္လို႔ေျပာခ်င္ပါတယ္၊
    အဲ! တျခားဘဏ္ေတြမွာလဲ ရွိပါေသးတယ္၊ ရွာၾကည့္လိုက္က်ပါအံုးေနာ္!....
    ဒီမွာ အတိုးယူပံုယူနည္းေတြလဲ နည္းနည္းဆီကြာျခားၿပီးဘဏ္တခုႏွင့္တခုမတူပါဘူး! ....
    ဒီလိုေငြေခ်းၿပီးအလြတ္တိုးယူတာက OCBC ဘဏ္က ႏွစ္စဥ္၀င္ေငြ $၂၀,၀၀၀ႏွင့္ ၂၉,၉၉၉မွာ ႏွစ္စဥ္၂၉.၈%(လစဥ္၂.၄၉%)ယူပါတယ္၊ ၀င္ေငြ$၃၀,၀၀၀အထက္ရွိရင္ေတာ့၁၇.၉%(လစဥ္၁.၅%)ေလာက္ဘဲ ယူပါတယ္၊ ဒီမွာသတိထားၾကည့္လိုက္ရင္ ဘဏ္ေတြအားလံုးႏွစ္ရွည္(၅)ႏွစ္ထိ အလြတ္ေငြေခ်းေပးတာ ေၾကာင့္အျပင္ကအေပါင္ဆိုင္ေတြထက္ လပိုမ်ားေနၿပီး၊အလြတ္တိုးယူထားတဲ့အတိုးမ်ားေနတာကို ေတြ႔ရပါ လိမ့္မယ္၊(ပံုမွန္၀င္ေငြနဲရင္ အတိုးကိုမ်ားမ်ားယူထားတာကလဲ ေငြျပန္မဆပ္ ႏိုင္မွာဆိုးၿပီး ပိုစြန္႔စားရလို႔ႏွင့္တူပါတယ္)....
    ကၽႊန္ေတာ္လဲအမိျမန္မာျပည္မွာ ဘိုးဘြားပိုင္ကိုယ္ပိုင္အေပါင္ဆိုင္ ၁၀ႏွစ္ ေလာက္ အေတြအႀကံဳအရ မရွိဆင္းရဲတဲ့သူေတြေလာက္ဘဲလာေပါင္က်တာပါ၊ ဒါေၾကာင့္ အတိုးပိုရတဲ့ဆင္းရဲသားေတြမွာဘဲ အတိုးကို ႏွင့္ေအာင္ယူထားတာကိုး! ဒါေၾကာင့္ အဓိကရည္ရြယ္ခ်က္က ပံုမွန္၀င္ေငြနည္းတဲ့ လူတန္းစားေတြကို ေငြေခ်းလို႔ရေအာင္လုပ္ထားတာကိုး! ဒီမွာၾကည့္လိုက္ရင္ဘဏ္ေတြမွာ မိမိCustomerေတြရေအာင္ ဘဏ္ ေတြ ဘယ္လိုကစားထားတာကိုၾကည့္လိုက္ပါအံုး!
     
     

    Flexible Repayment (EasiCredit)

    An account that gives you standby cash

    You have the flexibility to choose how long and how much to repay the amount you borrow.

    Easy access to cash anytime via ATM or cheque
    Pay interest only on your outstanding amount at the end of each month
    Borrow up to 6x your monthly salary
    Take as long as you need to pay back outstanding amount
    Apply at Any OCBC branch to get approval and cash in 3 minutes

    Eligibility

    • Age 21 and above
    • Annual income S$20,000 and above (For customers with annual income less than $30,000, only Singaporeans can apply)
    • Singaporeans, Singapore PRs and foreigners
    How to apply

    How cash in 3 minutes works

    How cash in 3 minutes works | Flexible Repayment EasiCredit | OCBC

    How EasiCredit Works

    Access your cash loan directly by ATM or cheque


    Available Credit | Cash Loans | OCBCHow to access | Cash Loans directly by ATM or Cheque | OCBCLoan Amount | Cash Loans | OCBC

    Maximum amount you can borrow


    Borrow 2x your monthly salary if it above S$1,667 | Cash Loan | OCBCBorrow 4x your monthly salary if it above S$2,500 | Cash Loan | OCBCBorrow 6x your monthly salary if it above S$10,000 | Cash Loan | OCBC

    Interest rates

    EasiCredit allows you to make flexible repayments with a minimum repayment of as low as 3% a month. You can take as long as you need to make repayments.

    If your income is
    S$20,000 - S$29,999

    Effective interest rate
    29.8
    %
    EIR a year
    Monthly minimum repayment
    5
    %
    of outstanding
    amount
    or
    S$
    50
    whichever is
    higher

    If your income is
    S$30,000 or more

    Effective interest rate
    17.95
    %
    EIR a year
    Monthly minimum repayment
    3
    %
    of outstanding
    amount
    or
    S$
    50
    whichever is
    higher

    Special promotion
    for new EasiCredit customers

    As low as 0% a year with a one-time fee of 1.8% ( EIR 3.87% ) for the first 6 months with Balance Transfer

    More details
    Consolidate your outstanding debts from other banks on lower interest rates with Balance Transfer.

    EasiCredit Balance Transfer

    0% a year( EIR 3.87% )
    for the first 6 months with a one-time fee of 1.8%

    Calculate Interest Savings


    Fees & charges

    Annual feeS$80 (waived for the first year if annual income is S$30,000 and above)
    Minimum interest chargeS$5
    Returned chequeS$40 per cheque
    Stop cheque via branch / call centre via online / phone bankingS$50
    S$30
    Late payment feeIf annual income is S$30,000 and above: S$85 – S$125*
    If annual income is less than S$30,000: S$80

    *Subject to 25% of amount due with minimum charge of S$85 and maximum charge of S$125.
    Terms and conditions


     
     
    Ready Credit SmartCash
    More interest savings. Powered by Citi.
    Sometimes life throws sudden emergencies or a lifestyle need at you that require immediate cash. Citibank Ready Credit SmartCash provides you with that cash flow to manage those needs.
    With the ability to access an instalment loan, now you are able to better manage your finances to meet those needs, whilst ensuring that you enjoy maximum flexibility in managing the repayments.

    Apply today and repay in comfortable fixed monthly instalments of up to 36 months.
    OverviewBenefits & ProgramsTools & ResourcesFAQsEligibility
    • Credit limit of up to 2X your monthly income
    • Lower interest rate of only 1.75% per month
    • Convenient Access

      ATM ATM cash withdrawal at over 1.4 million ATMs islandwide.
      For ATM locations click here.
      Cheque Enjoy the convenience of having a free chequebook, which allows you to make payments to anyone.
      Paylite Instalment LoanDraw a loan out of your credit line and repay in fixed monthly instalments over a tenure of up to 60 months.
      Learn more
      Funds TransferTransferring funds from your Citibank Ready Credit account to any other bank account is now only a few clicks away! You can pay anyone, locally and overseas, anytime, anywhere.
      Learn more
      Bill Payments/eNETS
      You no longer have to queue up or make trips to different payment counters to pay your bills. With Citibank Ready Credit, you can manage your bill payments online, securely and conveniently.
      Learn more
      Balance Transfer
      Transfer balances from other banks to lower your interest payments.
      Learn more
    • Greater Flexibility
      Choose between credit line or instalment loan or a mix of both
      Choice of instalment tenures up to 36 months
    *Minimum of S$2,000 and maximum of S$15,000 (subject to your available account credit limit). Cash will be delivered by CISCO.
    Instant Discount Program
    Get excellent deals of up to 50% discount on our Instant Discount programme, which include things like school uniforms for your kids, accessories for your home, catering for any function, and even pest control for your home.
    Learn more
    Companion Card
    Share all the benefits and privileges with a loved one by applying for a Companion Card, and he/she will also have access to your credit line.
    Learn more
    One Bill
    Set this up to pay your monthly bills using your Citibank Ready Credit account. This saves you the hassle of queuing up to pay bills and gives you the convenience of consolidating your bills into one statement.
    Learn more
    Credit line selectorFAQ
    FAQ Ready Credit Smart Cash
    Click on to expand and on to minimise the details.
    How do I apply for Citibank Ready Credit SmartCash?
    What are the requirements?
    What is the maximum credit limit that can be approved?
    How do I use my Citibank SmartCash account?
    How much can I use?
    Are there any minimum repayments each month?
    How do I make the payments?
    What must I do if I would like to repay in full what I have drawn?
    How is interest calculated?
    How do I obtain a new chequebook once my cheques run out?
    Are there any fees to pay?
    Where are the Citibank branches & ATMs?
    • To be eligible for Citibank SmartCash:
      You must be aged 21 years old and above
      Annual income should be above S$20,000 and less than S$30,000
      For Singaporeans and PRs only
      Existing Citibank Ready Credit and Credit Card (except for Citi Clear card) customers are not eligible.
      For Salaried Employee, please enclose
      • Past 12 months CPF statement, submitted via http://www.citibank.com.sg/cpf
      (Note: you will need your SingPass to gain access) Or
      • Latest Income Tax Notice of Assessment and latest original computerized payslip
      For Self Employed, Commissioned or Variable Income Earner, please encloses:
      • Last 2 years Income Tax Notice of Assessment and last 3 months bank statements
      Citibank Ready Credit SmartCash account holder/Companion will only be issued with Citibank ATM Card (with no Point-of-Sale Debit payment)
    • The annual membership fees are:
      Main Card annual fee : S$90 1 yearFREE
      Companion Card annual fee : S$45 1 yearFREE
    Click here for Citibank Ready Credit SmartCash Customer's Agreement
    		 
     
     
     
     
     
     
     
     
     
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