Membeli PB Full set dgn BUDGET sendiri

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soalan lazim utk PB ialah: Mahal ke? yer memang mahal pon... RM2,400-RM2600 tapi dont worry.. harga boleh dapat RM2,000... dan boleh dibincang-bincang ;)

Kat sini nak cerita pasal Harga PB..

Harga retail price PB corset yang disyorkan oleh Hai-O ialah seperti berikut:

SIZE	HARGA
Kecil	RM2,400
Besar	RM2,600

Actually ada beberapa pilihan tentang method of payment.. dah summarize kat bawah nih.. credit to isma :)

METHOD	BAYARAN	PERIOD	HARGA*	REBATE **	PRO/CONS
Full cash	PENUH		RM2,000 (K) RM2,200 (B)	RM225 per set RM1,000 =3 set	Eligible for rebate BUT need to pay full sum upfront. HIGH cashflow. TOTAL PB COST =RM1,775 (K) RM1,975 (B)
Credit Card	PENUH		RM2,000 (K) RM2,200 (B)	RM225 per set RM1,000 =3 set	Eligible for rebate and EASYPAY/INSTALMENT option usually available from the bank HOWEVER, bank may impose some interest e.g CIMB  (3% one-time charge =RM60 for 10 months instalment) So in the first month u par RM200+60, then subsequent month RM200 only. But in 1st month, offsetting the RM225 rebate, effectively u only pay RM35 TOTAL PB cost = RM1,835 (K), RM2,035 (B) *** please check with your respective credit card provider on the interest imposed.
Cash instalment	ANSURAN	1-6 Bulan	RM2,000 (K) RM2,200 (B)	No rebate	More applicable to those without credit card/ can’t apply RHB easy
		7-12 bulan	RM2,400 (K) RM2,600 (B)	No rebate	More applicable to those without credit card/ can’t apply RHB easy
RHB Easy Loan	PENUH		RM2,000 (K) RM2,200 (B)	RM225 per set RM1,000 =3 set	Eligible for rebate loan MAY/MAY NOT be approved, and there is INTEREST charged by bank.  Refer notes **** below.

Notes:

* harga untuk pilihan bayaran PENUH, PB akan di jual dengan harga pengedar , i.e harga yang dibeli terus dari stokis.

Same thing for the people yang ambil instalment kurang 6 bulan; still charge harga distributor, sbb less risk

Cuma those yang ambil instalment panjang, kena la charge harga retail, sebab, cash instalment ni means that distributor dahulukan our money to buy the set..so customer kire bayar direct to the dealer. Hai-O takde buat cash instalment mcm ni…so that’s why PB sets untuk cash instalment ni limited sikit..

** Rebate will be banked in on the 10^th of the following month i.e let’s say beli 24/10/2012 , akan charge RM2,000/2,200 in cash/credit card first. Rebate akan dapat on 10/11/2012

As this is not a discount, so rebate tu hanya akan dapat selepas sales tu dah finalise ;)

**** RHB EASY procedures

RHB Easy nie adalah from RHB. Easy-Pinjaman Ekspres - Personal Financing

Hanya perlu MyKad pegi kat Easy branch to apply for a personal loan and boleh dpt kelulusan dan pengeluaran pinjaman serta merta. 
Unique features:
* No documentation required
* On-the-spot approval and disbursement in less than 10 minutes
* Flexible Personal Financing amounts from RM2,000 to RM50,000
* Low monthly installment amount from less than RM60 per month
* Flexible loan repayment tenure of up to 5 years (60 months)

Untuk loan, memang ada interest charged by bank – and lebih tinggi semakin lama period diambil. TAPI, untuk mereka yang nak pakai PB tapi risau pasal cashflow, option inilah yang paling murah instalmentnya, paling rendah RM58 sebulan.

Cuba ambil 12 bulan instalment kan , total instalment paid :RM189 X 12 = RM2,268 – RM225 (rebate)

TOTAL PB cost =RM2,043(K) RM2,243(B)

so still lagi murah dari harga retail PB RM2400 (K) RM2,600 (B)

Hopefully with the Pembayaran OPTION so semua akan lagi rase mudah utk memiliki barang yg berbaloi nih.. (",)

nak cuba jumpa and fitting2 contact la saye

kartika

 SMS/call/whataps 019-8563520  

email

kartikakarim_14@yahoo.com