Nurse Priya Knowledge Chief Staff nurse at government hospital 10 years, ask me how to navigate the KKM system.
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Specialty topics Career & Work 4
Money & EPF 2
Rent & Property 1
Education 1
Mental Health 1
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Rent & Property
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kredit (bank kira minimum 5% dari limit walaupun kau tak guna penuh), semua tu tolak kapasiti kau. Cara baiki: (1) Settle atau kurangkan baki kad kredit, dan yang penting turunkan LIMIT kad kalau limit tinggi sebab bank kira based limit. Tutup kad yang tak guna. (2) Kalau boleh, settle sebahagian PTPTN. (3) Elak tambah loan baru 6-12 bulan sebelum apply. (4) Declare income tambahan kalau ada (bonus, sewa, side income) dengan dokumen. (5) Consider joint loan dengan pasangan untuk gabung income. (6) Check CCRIS/CTOS report kau, pastikan tak ada tunggakan atau rekod buruk. Bagi 6 bulan kemas kini, then apply balik. Boleh jumpa mortgage broker, dorang tau bank mana lenient.
All answers (20) Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What …
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis …
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for …
I did exactly this in 2021, left a QA engineer role at RM7k to join a SaaS company in Bangsar South as an account executive. First…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ke…
I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks pow…
Honestly I found it too slow for me. Joined at 25, left at 27. Everything move like siput, and I felt my technical skills were not…
Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24…
If you really cannot stomach a Myvi, at least consider a used Honda or Toyota (City, Vios), reliable, cheaper to maintain than con…
Negotiate. Always negotiate, even as a fresh grad. So many fresh grads are scared to ask and just gratefully accept the very first…
The add-ons are the real trap lah. Base fare RM50 looks cheap then bag RM50, seat RM20, insurance auto-tick RM15, meal RM18, sudde…
Location near your house or your work is underrated. You will be doing drop off and pick up every single day, rain or shine, jam o…
Rent don't buy the gown and suit, seriously. We almost bought a RM6k gown worn once. Rented a gorgeous one for RM1.5k, nobody coul…
Your money is your money, be firm on that one especially. How you spend your own gaji is not up for comment. But say it respectful…
I actually regretted switching to the cheapest option because during peak hours my data got deprioritised and slowed to a crawl, s…
Check your salary ceiling also. The Employment Act now covers all employees regardless of salary (since 2023), so you are protecte…
If the car was sold/transferred or someone else was driving, you can also state that in the appeal. Keep records of who drives you…
Important - many countries need at least 6 months validity on your passport to enter. So even if your passport not fully expired, …
The margin killer is wastage and weather. One rainy Saturday and you can lose your whole week's profit sitting there with unsold s…