oh my motorcycle

Trouble hit back, a decision should be made with full consideration of the fair.

Now this I was making reviews (serve) the type of motorcycle that I had an interest and ability to follow. Because conditions my old Yamaha motorcycle Nouvo's with an aging and increasingly often brings problems at the box gier even've done the same damage repair but still repeated.

Yamaha Nouvo's
So I began to think to find a replacement bike more comfortable, more large CC appropriate to the age I am now reaching 40 years. Between motorcycles that I a dream of if own heart:
  1. KTM Duke 360
  2. KTM Duke 200
  3. FZR 150i Edition 2014
  4. Suzuki Belang R 150
I will of course first KTM Duke 390, reeds upgrade directly into B Full motorcycle license. In terms of price KTM Duke 390 in Rm28k and KTM 200 in Rm18k only. It feels good take Duke 200 not need to waste money to upgrade Tanning driving license.

KTM Duke 390
KTM Duke 200
Yamaha FZR 150i
Suzuki Belang R 150

 In terms of ability I want to buy I am not able to supplement his monthly payments are quite high, almost equal to the monthly car payment Rm500 to Rm700.

How can I think about is making bank loans in RM10K to RM20K in a payback period of 5 years or more. Loans can only continue if I buy a motorcycle with a cash price will no longer need every month I have to explain installment in the bank or motorcycle shops, very long period of 5 years.

The first step for me and I started to serve the prices of motorcycles that I want by visiting the bike shop or search the internet. So, I set the goal was, I chose the color orange KTM Duke 200.
 
When the thought-thought behind this time I can not afford to wear KTM Duke saw only can be but in my heart I always embedded KTM model, because he looked younger when riding.
 
Incidentally, one day after returning from work I stopped at a repair shop and sell motorcycles in Bandar Baru Bangi, eyes I'm interested in a model 150i Yamaha FZR colored orange. Spontaneously along I took this picture Yamaha model I use the mobile phone.

I kept asking price with the owner of the store, he said the money for advances Rm 4 thousand while the RM250 monthly payments for 4 years, quite expensive not afford to pay for my taste. Within 1 week I told my friends about this Yamaha model, ready to show picture again. But just a week after that I started to wish I was not interested then continue again.

Suzuki Belang R150 Cyan + white color began to attract me. I began to search for this Suzuki model in the internet especially YouTube. There are 6 speed this model compared FZR 150i 5 speed only. Model FZR certainly be considerable difficulty on my wife to bring this bike when necessary compared with Belang R does not become a problem.

In terms of color, I became interested in the color red + black. I began to imagine if I go back to the village in Pahang course only a while until, where CC least 150 definitely has the speed when using Lebuh Raya Pantai Timur (LPT). In the second half hour must have arrived. Mother I must be surprised and proud when I return home with a new bike (again if I ever told my mom that I wanted to find another bike). So I TARGET has been focused on the Suzuki Belang R150 model.

I first strategy I would like to make a loan to the company I work by RM4 thousand per month then I cut the salary of RM100 for 4 years I was in lieu of loans. So I just have to make monthly payments on a motorcycle shop in only RM100 more promise no more Rm200 that I can afford.

Strategies to 2 turns Sigh, I think it is better for a personal loan in any bank.
I was the first bank to try his luck RHB Easy. Last but not the loan after the RHB Easy check in EPF find the monthly savings alone I only RM108, RM150 if the savings in over a month in my opinion it means RM2k. So I was not successful attempt.

Bank to 2 I trials ask is Bank Rakyat in Putrajaya. Having surveyed I have a job, I received a monthly salary and fixed allowance which I receive is not successful to enable me to receive the loan. Plus I work with private companies and the amount of salary I receive below RM2 thousand a month is deducted. I'm also a bit disappointed, article I want to pick up a scheme has 1k of the loan to create a registration fee + monthly fee kindergarten children I Ershad Ajmal in "The Little Caliphs" it. Is not what I'll try to find another way.

Bank to Bank Islam is the third. With the help of school friends that I had Pairun bin Mohammad Misti who worked at HQ islamic bank he had registered my application via EZXCESS Bank Islam. He says I just need to wait for a call from the Islamic bank branch Bandar Sri Damansara. But after one week I still have not received a call waiting again. Showing me a little uneasy because February is almost here. Only the high expectations I hope in this waiting. Over and over again when I go alone in Bank Islam branches Plaza Sentral KL, I got off the application's why he wanted to wage a new RM3500 can last, it feels disappointed.

Bank to 4 am I gonna test is BSN. With full confidence I stepped into the BSN branch of Segambut, I asked questions regarding Loan, provided that he wanted for private sector workers must be minimum monthly salary RM3 thousand. So I got asked to hold more already course I am not worthy.

It seems intent I do not want to change a new motorcycle unsuccessful, yielding only capable of. Neon credit that I see now, but just for a loan of RM5 thousand only. Wish to buy a new bike, it is not even as deposit. What I want to do is: 

Pay bills outstanding

  1. Pay outstanding water bills 
  2. Pay bills outstanding IWK 
  3. Pay the registration fee my son in kindergarten "The Little Caliphs" 
  4. Pay tax bills outstanding MPSepang 
  5. Pay bills outstanding land tax 
  6. Pay the bills I hend phon 
  7. Pay RM270 to be Subdealer ONEXOX 
  8. Buy a hand phon apply for business start Subdealer ONEXOX  
  9. Pay for motorcycle repair Novo's what I was
I want to correct a lot of money actually, so I am trying to get a personal loan from a bank. But whether I'm designing power but of God who determines it. So I have to try again in changing the course of my life.

I began to think of the company's accounts Independent Container RHB bank, ..........to be continued

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