23 November 2012

Perbankan Islam

Inilah contoh perbankan Islam.



Pinjam RM185k, bayar balik RM691k.

Pastu dorang upah la ustaz-ustaz kerja kat bank dorang. Sekali sekala ustaz-ustaz ni masuk tv,baca hadis.

Serupa la macam Astro, panggil budak-budak yang belajar agama masuk tv, sape yang boleh tarik duit paling banyak maka dapat la gelaran Imam. Padahal buat kerja macam bomoh tarik duit.

Haram jadah. Sungguh haram jadah.

5 comments:

firdaus.9898 said...

bro.
hehe...pasal home loan ni..jgn tgk pada perbankan Islam atau x..tapi pada BLR..
klu x salah..klu Maybank, RHB...BLR dia x menarik...try bank2 mcm OCBC, Public bank yg boleh dpt minus 2.

anyway tahniah membeli rumah.
aku yg da 30 ni pun x beli rumah lagi. hahaha.

firdaus.9898 said...

bro.
sorry but boleh request ko utk tulis pasal masalah thyroid di tukangbagiubat.blogspot.com?

much needed info is appreciated.

karl said...

gambar fb orang ni. yg beli rumah orang tu, buat loan bank islam.

aku ni dah x keje hosp dah. tapi insya Allah aku try la. kena baca2 sikit dulu baru boleh tulis

firdaus.9898 said...

salam
i wish to betulkan satu misinformation pasal bank islam housing loan dlm article ko/comment aku.

"As it is prohibited under Islamic law to charge interest for loan, Bank Islam will not give you a loan. Instead it buys the house and sells it back to you. The Bank sells the house to you at a profit but allows you to pay off purchase price in monthly installments over period of years. However, how much to pay depends on profit margin Bank Islam wishes to make on your house, depending on house cost and market condition".

- The Money Book, Consumer Association of Penang, 2004

firdaus.9898 said...

Salam..tambah sikit point.

In a way, masa nak sign agreement ngan bank islam, Bank dah nyatakan dah berapa profit yang dia nak buat (selling price tolak buying price =691k tu profit margin)....

the thing is bank islam dah bagitahu siap2 profit margin tu before sign agreement...so kalau dah sign tu meaning kita dah agree dan x boleh ckp apa..

whether it's more than conventional banking, depends on cases..mcm dlm case gambar ni..mmg lagi tinggi dari conventional banking

but the thing is..kena baca betul2 agreement letter before signing.

ok thanks.