Jual kete yang masih loan bank

bank akan berikan options: -

1. refinancing

- kalu balance acct. kete you tu tinggal skit..carry on..bank akan buat process loan atas nama buyer baru and once loan approved..bank akan buat tukaran hakmilik and batalkan nama you..kalu ada surplus dari penjualan kete nie..bank akan bayar balik pada you..

2. assignment

- this is the legal way kalu you nak buat sambung bayar..thru bank..bank akan process buyer you..cam biasa for loan application and once approved bank akan buat tukar nama dan hakmilik kepada buyer you..nama you akan dibatalkan but..loan agreement you still valid..using this approac..you will become a guarantor to your buyer as you introduce him to the bank..tak bule tidak..you kena jadi guarantor..if not process loan takan berjalan..and only applicable kat bank yg bagi loan kepada you. The beauty of this..nama you dibatalkan dari hakmilik but you kena jadi guarantor and balance loan you tu ditransfer ker new buyer tu jer..

3. surrender the car

- kalu you dah tak bule nak bayar and tak dak buyer nak beli kete nie, the best way is to surrender the car to the bank..you will be given 21 days to introduce new buyer at any price yg you raser sesuai..and you have to submit the name of your new buyer to the bank together with the agreed price yg you nak jual kete you tu..either bank bule proceed with loan or the buyer required to settle the so call "agreed price" tadi..depends to bank..and kalu ada surplus..bank akan refund balik kat you..or kalu ada shortfall..you have to pay back to the bank..at this point kalu shortfall..you can negotiate with them on how much yang you mampu untuk recover loss/shortfall tadi per month until your acct. settle..

Hope this will help you to make your decision..dan jangan buat agreement pepandai buat sambung bayar..kang kete tu masuk Siam..you yg susah kene turun naik court..nak carik kete you balik..then bermacam2 masalah lagi yang you sendiri tak sanggup nak buat..coz i've seen too much already sebelum nie masa saya keje dulu