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13.11.2012 | 合法貸款

[Volume 7 Issue 11, #1597]
唔好誤會, 我唔係「大耳窿」叫你借錢, 呵呵!! 而係最近見到好多呢啲街招, 貼到週圍都係, 而且仲口口聲聲話合法貸款添, 係真唔係?? 聽人講過「九出十三歸」, 即係話你借一千, 拿九百, 還千三, 淨利息40%!! 可能係市場競爭大, 呢個計落利息只係20%喎, 不過寫明5%又係咩呢?? 難道係每拖一日就5%利息??!! 果然好喇利!! 所以大家真係唔立亂同人借錢呀, 一身錢債好纏身㗎~~
祝大家屠妖節快樂!! दिवाली की शुभकामनाएं
don't take it wrong, i am not a loan shark asking you to borrow money, haha!! just happen to see lots of such bills everywhere recently, some even claimed they are licensed, but is that true?? i heard people saying "nine out thirteen back", meaning if you borrow a thousand, you will only take nine hundred but have to return one thousand three hundred in total, net interest 40%!! maybe it's very competitive now, so this bill says the interest is just 20%, but what is meant by the 5% there?? maybe 5% daily on arrears not cleared?? wow, that's scary man!! that's why, don't simple borrow money from others, cos it's so easy to get into tangled trouble~~
happy diwali everyone!! दिवाली की शुभकामनाएं
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61 comments:

  1. Good morning All. Wonder how they get this 大耳窿 'Big Ear Hole' name?

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    1. Morning, SK! Morning, everybody!!! Just got home - went out for breakfast with a friend. Oooo...so full!!! I think I will skip lunch today....

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    2. Good morning, people!

      Happy Deepavali and happy holidays! Any open house, Thambee SK? I want some muruku and sugee biscuit~~

      Just had nice breakfast at hawker centre and waiting to get pampered. Some ME time without the kids.

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    3. Good day....duno why call Dai Yee Long....maybe coz they very fast can hear news on who need money fast and go lend money to them at a high interest?

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    4. Yvonne sounded happy and good to have some ME time today. I was happy too as I got a beauty nap just now.

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    5. I think it is because all those loan shark has big ear hole.. kakaka..
      Don't you think so?

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  2. Well some even claimed to have such big name as 'financial planner' dont play play..

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    1. actually it is correct..
      just how we play on the names ..
      they people who failed on planning the financial shall go and look for them..

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  3. Good morning everyone! It has been a menace to see so many posters and stickers pasted everywhere on the walls and even road signs! You don't see them like this in Singapore at all.

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    1. who dare to do it at Singapore..
      once get caught sure will get fine..
      if Malaysian government do the same then all the people will not dare to do it..

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  4. I feel sorry to see the loan shark victims. So far I had 2 friends being harassed by the sharks and I had to bail them out. &@#%£€¥!!!!!!

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    1. But then, why choose to become a victim of loan sharks?

      And why some, didn't pay up? Granted, the interest is high. Granted some has no other avenue but some borrowed for what? Gambling?

      There must be a buyer for a seller to buy, right?

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    2. They get fast money, Lina. Those who are desperate for cash opt to borrow from the sharks, rather than waiting for the personal loan from bank to get approved.

      Moreover they don't need the papers for submitting, give them your photostats IC and your latest photo will do.

      When you don't pay on time, you'll get free advertisement, everywhere - poles, lamp post, unoccupied shoplots, roadside. Can become famous overnight.

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    3. Ya...coz bank have to wait long time baru can get loan and money. kena check this and that. if wait for the money to save life...might be too late already

      Maybe their family got family member sick and nobody have enough money to cover leh. so go pinjam from loan shark to pay medical bill first lor. Some hospital need to pay deposit before they will start work punya leh.

      Could be some people no more avenue for money so forced to borrow from loan shark first though maybe when salary time can pay back but mana tau one thing after another and they lost track of whatever they doing .

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    4. wah annay you are a good person..
      So if I got any problems I will know who shall I see.. Tan Sri Annay KIM

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  5. The govt should call all these numbers on pretext of borrowing. Once they showed up, just lock them up. That will end all the ugly stickers.

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    1. Is it as simple as that, annay? But the authority won't bother to do that, they got no profit of doing so.

      The people borrowing from along are mostly poor (and stupid) rakyat. Who would bother to save them?

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    2. Don't worry... Michael Chong can help.

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    3. he still helping meh?

      Ya wor...if the government really wanna do something about that they can call up the number and pretend to borrow money then tangkap them. But then those who kena tangkap will mostly be small fish la. Waste phone bill

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    4. well I think that people are desperate only borrow loan shark.. it is not something that they want.. but maybe they face problems,, like parents sick and so on... sigh...

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  6. TM, I was thinking the same since all the contact numbers are open to all and sundry.

    Good morning!

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    1. HappySurfer, They berlesen you know. Coming back to your earlier post again on 'afraid' so Who Pà Who? haiz!!!!

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    2. Frankly, I have no problem with them running their business because they are a source of much-needed funds for whoever needs quick-and-ready cash for whatever reason. Just agitated by their plastering their services everywhere making the place unsightly. The authorities will need to take action on the vandalism if we want to be a developed nation. Our attitude and mentality need schooling.

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    3. You have not experienced paying them back...they will pull you deeper and deeper into the pull and there is no turning back. Would be fine if they are running a legitimate business and charge high interest...but somehow, the outstanding balance keeps increasing by the day...and you'll be paying back forever!!!

      That's why you have the killing cases - borrowers killing loan sharks as they cannot pay...and loan sharks killing the borrowers for that same reason.

      I suppose there are good money lenders who are not loan sharks but unfortunately, they are all rolled together as one...

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    4. good point. The poster being pasted here and there and most important at road sign.

      Like the other day I wanna know the address of the curry fish head stall...snap photo ...the road sign kena pasted by those sign.. really salute all pos men in Msia for being able to deliver letters to the correct address.

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    5. actually my MIL rented one of his shop to loan shark.. they pay 6 months up front.. Business is good I assume..

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  7. They're all crooks. I have a friend whop borrowed some RM300...and don;t know how he ended up owing thousands!!!! Had to give the people his ATM card and every month at pay day, they will go and withdraw from his salary.... Best not to meddle with those peeple, you get slaughtered alive!

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    1. well STP if you need money., you could borrow me from me .. I even charge you less interest .. kakakaka.. If you don't pay up.. I will make sure you never eat kampua mee again.. kakakaka

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  8. Don't ever try borrowing from those loan sharks. They are horrible lot. I have a neighbour who had to run and hide as he was chased by the loan sharks. I don't get to see him and his family anymore. Wonder where they are hiding now.

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    1. it is really sad case..
      maybe they already got killed by the loan shark?
      the guy already dead and the wife and daughter work in a pub or so...

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  9. Oh, never heard about the nine out thirteen back. But heard of nine out ten back, which means the interest is 10%. And the along takes the interest first, before the term reaches.

    Heard stories that a friend want to borrow RM1K but he's given RM900 and requested to pay the full amount a month later interest is charged 10% monthly, if he cannot pay in full.

    I guess the along is high in demand now, rising the interest charge.

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    1. i think the business is slow down le..
      They come out with the installment plan like every month you need to pay a certain amount of money

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  10. Aware of the so called licensed sharks, some even take the effort to send their business card from house to house, the card kiap-ed with the other hypermarket catalogue.

    Usually I dump them in the dustbin. So, who is more desperate now? The loan shark or the poor people in need of money?

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    1. my mail box also kena a lot of these advertisement.

      Makes me wonder what exactly is the meaning of Licenced Money Lender. Licenced by who? Bank Negara Malaysia? or maybe they mean they got registered company ?

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    2. Licensed Money Lender is indeed licensed by Bank Negara.

      Not all shady what. But they charge higher interest as their risk is higher. Some people think borrow from them no need to pay.

      Even loans from bank, I've come across those who simply refuse to pay their instalment and more mind boggling is some of them even "teach" people online how to avoid paying their loans.

      I'm sorry but if you owe someone or an organisation money and refuse to pay, doesn't it be similar to stealing? Or cheating?

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  11. More people are more alert of the loan sharks, after reading tones of news daily on how far the sharks can go to extract the money from borrowers. But still some resort to them, sigh.

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    1. They desperate jor la. Otherwise, i dont think they will simply borrow money from loan shark.


      Maybe they kena scam by friends or what....say invest in some business...not enough money the friend "into" to another friend who can lend the money...janji pulangan lumayan...then borrow ...the business lingkup and got caught in the web lor....

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    2. Then if they borrow for the reason you state Meow, that's due to greed. Not an emergency at all.

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    3. But granted, I know traders (pasar malam trasers, stall owners, etc) sometimes resort to getting loans from these people. Easy and fast money, in view of the intention of paying immediately after getting profit. After all, their income comes in daily. Got a lot of profit that day, can pay up immediately lah....

      But I never sympathetise with those who are willing to borrow for gambling and then let their family suffer. :(

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    4. True, loan sharks give out loans very fast whereas for bank, it will need a few days to get it approved. Very troublesome, that's why some people just loan from the loan sharks.

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  12. Good day...manyak susah wanna say...I also duno why people borrow money from money lenders like that. Desperate already or what gua.

    could be cannot get loan from banks and family and time was desperate?

    or maybe got in financial scape but dare not tell te family so thought borrow money from money lenders first to cover for short term basis.

    In the old days people borrow money from money lenders coz the Banks too much red tape la. But then even now also a lot of red tape

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    1. I thought now much easier to apply for these unsecured loan already Meow.

      Seems like every other day, people representing banks call me up offering personal loans. senang-senang wanna give out loan for few hundred thousand Ringgit. @.@

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    2. Business people definitely need loans from the banks to pay for their expenses or so. At least they can afford to pay back. As for us, if we loan much, I'm afraid we need to be very discipline in order to clear our debts.

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    3. well the most important is not to overspend..
      there are a lot of people who over spend due to credit card and so on..
      they can't repay the debts and it cause so many problems...

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  13. I hope I forever don't need to souce out from loan shark. I don't know much about them. But, I know they are very scary and nasty.

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    1. Heard a lot of stories about those loan sharks. They can get very nasty and fierce.

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    2. they will torture you, take your wife and daughter and sell to brothel..
      so don't borrow from loan shark

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  14. LOL! This is your Deepavali message?

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    1. hahaha .. don't borrow from loan shark...
      it is a great one.. huh..

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  15. Loan sharks are scary but they also need to survive. Banks are loan sharks too especially pertaining to credit cards.

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    1. Banks also loan money to their clients and charged immense interest too. Whereas the loan sharks have to be strict on their part so as to survive too. Some people borrow money but never have the intention to pay back.

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    2. I agree with Wenn.. bank's interest is also very high.. especially on the credit card..
      actually we didn't notice it only..
      I normally pay back all my debts to the bank..

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  16. Never ever borrow money from a loan shark. :p Because...you will only be in a deeper financial hole later on.

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  17. Unless...you are sure that certain shares are going to hit the ceilings...if not...don't risk your life bro. :p

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  18. well honestly i dont know how this works all i know is a person would get to have an amount of money and bring it back on a time period with a small amount of interest

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  19. my mom tried this well she borrowed money and returned it with a 20% interest well it helps a lot in needy times but when the paying time comes thats when you'll feel the pain haha

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  20. helping nowadays seems like a business after all hahaha some abused this some just cant help but to rely on such transactions thats just how money can make the world go round

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  21. hmmm most of the case i've seen were cause by over spending their budget so their last sort of source is by this
    sometimes its just a matter of budgeting i guess?

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  22. sorry if my comments took a while my computer had a bit of a trouble

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  23. have great day sk happy blogging and god bless you always lots of love;)

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  24. 千奇唔好打呢個電話啊,否則恨錯難返!

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