Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

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Salam pembaca blog PemikirKaya dot com!

Apa khabar? Baik-baiklah hendaknya..

Beberapa hari yang lepas saya ada terima ucapan terima kasih daripada kotak email saya!

” Saudara Thinkerich, terima kasih di atas artikel saudara bertajuk 3 Perkara Yang Perlu Anda Fikir Sebelum Jadi Penjamin….tempoh hari!”

“Sekarang baru saya sedar betapa penting dan beratnya tanggungan serta risiko yang boleh diterima oleh seorang penjamin….”

“Saya sebenarnya bimbang dan khuatir sekarang ini, kerana sebelum ini saya telah menjadi penjamin kepada abang ipar saya…”

“Jadi, bagaimanakah caranya untuk saya membebaskan diri saya daripada belenggu penjamin ini? Mohon pandangan dan cadangan saudara …!”

–  PENJAMIN KHUATIR

Saya berfikir sejenak setelah membaca persoalan yang ditimbulkan oleh saudara Penjamin Khuatir itu …

Dan apa yang pasti jawapan kepada penyelesaian itu hanyalah dengan meminta peminjam (abang ipar beliau) menjelaskan kesemua hutang tersebut!

Tetapi bagaimana nak selesaikan hutang pinjaman itu secara sekaligus???

Satu cara yang terbaik (Ini Untuk Melepaskan Diri Anda Sahaja!) adalah dengan meminta beliau mendapatkan pinjaman daripada sumber yang lain bagi melangsaikan hutang pinjaman terdahulu yang mana anda telah menjadi penjaminnya!

Dengan cara ini, anda telah terlepas tanggungan sebagai seorang penajamin kerana hutang tersebut telah pun dilangsaikan melalui pinjaman yang baru!

Boleh cuba, jika anda ingin bebas daripada liabiliti yang dibina oleh orang lain!

Salam kekayaan!

THINKERICH

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7 Responses to “CARA UNTUK BEBAS DARIPADA MENJADI SEORANG PENJAMIN!”

  1. irwan.dahnil says:

    Salam Thinkerich!

    Sangat setuju dengan artikel saudara. Tapi kadang2 tu peminjam buat tak tahu, sakit hati juga 😀

  2. ZulBM says:

    Selalunya apabila peminjam memerlukan penjamin, samada peminjam tidak layak utk meminjam kecuali ada orang yg boleh menjamin ataupun peminjam bekerja dgn sykt yang bukan panel kpd bank tersebut. Sekiranya peminjam ingin membuat pinjaman utk menyelesaikan baki pinjaman sebelum ini, kemungkinan besar beliau memerlukan penjamin juga unless beliau telah bertukar kerja dgn bekerja dgn jbtn kerajaan atau GLC atau syarikat berhad.

    Saya bersetuju dgn sdra irwan.

  3. hj ali says:

    salam, sy jd penjamin, yg dijamin mati, kereta yg sy jamin ditarik, dah telah dilelong, baki pinjaman penghutang saya kena bayar..adakah bank bule bg diskaun pembayaran buta spt itu..tq

  4. Thinkerich says:

    hj ali,

    Salam kembali..

    Hmm.. Maaf saya tidak berapa pasti hal ‘diskaun’ ini..

    Adakah tuan telah berbincang dengan pihak Bank?

    Biasanya perkara yang melibatkan pengurangan faedah boleh dirujuk pada pihak AKPK..boleh rujuk laman berikut:

    http://www.akpk.org.my

    Mungkin mereka boleh bantu..

    Harap dapat membantu.

  5. sani says:

    salam,saya jd penjamin kepada seseorg yg ingkar membuat byrn hingga nama saya telah disenarai hitam..bolehkah saya memberi maklumat kepada bank mengenai beliau agar bank dpt mengesan seterusnya bekerjasama di antara bank yg mengeluarkan gaji(peminjam)menolak gaji si peminjam itu agar bayaran itu dapat dibuat..terima kasih..

  6. Thinkerich says:

    Sani,

    Sila rujuk perkara ini kepada pihak AKPK

  7. badrul says:

    salam,

    masalahnya peminjam memang tk mau byr. buat tk tau je. sebab
    duit dh dpt,projek dh jalan n dh untung. peminjam dah bengkrap
    tpi dh kaya,penjamin bengkrap sekali tpi tk dpt apa2. insolvensi tk mau tau semua ni,janji dh bengkrap kena byr utang.sepanjang hayat penjamin bengkrap.insolvensi boleh lepaskan tanpa bebas tapi umur penjamin dh 60 th. mana ada bank nk bg pinjaman. masalah penjamin tiada pembelaan kerana tiada orang politik yg tekena,kalu puak dia tekena baru ada usul ke parlimen

  8. Nurul Fairuzawati Ahmd says:

    Pertanyaan bagaimana untuk menarik diri dari menjadi penjamin kereta.Bekas tunang saya bekerja swasta dan memerlukan penjamin untuk mengeluarkan kereta.Saya menjadi penjamin kereta pada masa itu.sekarang saya tiada hubungan lagi dengan dia.Dan akan berkawin tidak lama lagi Bagaimana untuk menarik diri dari penjamin kereta supaya saya dapat mengelak dari sebarang keadaan yang membolehkan saya blacklist atau bekas tunang mencari orang lain sebagai penjamin kereta yang baru.

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    Bagaimana kalau si peminjam tidak membayar hutang(syarikat pinjaman berlesen) dan telah melarikan diri tanpa dapat di kesan? Bagaimana si penjamin dapat bebas dari hutang si peminjam?

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