BELI BARANG DAPAT DISKAUN DENGAN SGshop MAY SALE!

Thursday, April 25, 2019

BELI BARANG DAPAT DISKAUN DENGAN SGshop MAY SALE! | Hai korang.. Lama rasanya busyra tak update entri berkaitan dengan shopping! Tangan ni rasa gatal sangat nak membeli. hehe. Busyra jarang beli barang di kedai, selalu beli online sebab duduk depan laptop je tak susah-susah nak ke luar kan. Baru-baru ni busyra ada dengar yang beli barang dapat diskaun tau! semunya dengan SGshop May Sale.. Seriously? Kena la baca dulu guys..
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Terus busyra usha website SGshop.. Tak sabarnya nak tunggu bulan Mei.  Eh kejap sebelum busyra story panjang lebar, korang ni sebenarnya dah tahu belum pasal website online shopping SGshop ni? 

SGshop adalah satu laman web online shopping dari China yang menawarkan barangan yang berkualiti tinggi dengan harga yang berpatutan serta ada yang murah yang tak masuk akal. Korang jangan risau, SGshop adalah laman web e-dagang China yang dipercayai. Busyra sendiri dah ada shopping experience dengan mereka tau. Boleh baca di SINI ..

MAY SALE ini akan diadakan tak lama lagi, bermacam-macam diskaun yang mereka tawarkan bagi memudahkan korang untuk shopping. Antaranya adalah:

1 Mei hingga 31 Mei 2019
- SGcoupon RM5 akan diberikan kepada pengguna dan simpan kod nya. Setiap pengguna tunggal boleh mendapatkan SGcoupon dalam tempoh promosi.

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

1 Mei hingga 7 Mei 2019
- 15% penghantaran udara + 50% diskaun yuran perkhidmatan untuk jumlah perbelanjaan (Pembayaran pertama) mencapai RM100 atau ke atas.
May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

11 Mei hingga 13 Mei 2019
- 10% diskaun penghantaran laut.

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

15 Mei hingga 20 Mei 2019
- Dapatkan 1 SGreward Shard untuk setiap perbelanjaan RM1. Setiap 10 SGreward Shard boleh ditebus untuk RM1 SGreward. Shard terhad hanya dari pesanan pembelian (Pembayaran Pertama) sahaja.

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

21 Mei hingga 31 Mei 2019
- Dapatkan paket hijau. Berpeluang untuk memenangi SGreward untuk RM10, RM5 dan RM2.

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

See! Semuanya menarik kan? Siapa nak bagi diskaun macam tu kalau korang shopping. Banyak tau dapat diskaun. Memang promosi kaw kaw sehingga tamat bulan Mei nanti. Korang tau tak busyra pernah shopping meja pejabat di SGshop ni memang sampai sekarang busyra guna. Tak rosak apa pun, malah sangat kukuh dan cantik! ..Busyra tak akan puji sesuatu produk tu kalau tak memberi manfaat yang baik pada busyra.. Sangat suka dengan kualiti barangan dari mereka, biar lah sedikit lambat masa penghantaran nya asalkan kita puas hati kan?

Belum sampai May Sale lagi busyra dah berkenan beberapa barangan di bawah. Semua barang dari China memang murah-murah belaka tapi mempunyai kualiti yang super wow tau! Jom tengok barang apa yang busyra tersuka tanpa sengaja ni. haha.

1. Women's Sports Net Shoes
RM 17.24

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

2. Waterproof Shoulder Bag
RM 19.31

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

3.  Office Chair (massage foot)
RM 129.66

May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

So korang! Jangan buat-buat lupa 1 Mei nanti tau! Guna promo code di bawah okay. Korang akan dapat 10% diskaun!!

MAYSALE2019
May Sale 2019, Online Shopping, SGshop, Diskaun, diskaun bulan Mei, SGreward, SGcoupon

Matlumat Lanjut

Hotline: 1700-818-315

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MAKAN SOTONG BUNCIT JAHAT DI RESTORAN TOP D'GURUN

Monday, April 15, 2019

sotong buncit jahat, restoran top d'gurun, sotong bakar power, ikan bawal goreng, ikan bakar,sotong buncit jahat, restoran top d'gurun, sotong bakar power, ikan bawal goreng, ikan bakar,

MAKAN SOTONG BUNCIT JAHAT DI RESTORAN TOP D'GURUN | Hai semua! tengahari tadi busyra sempat untuk singgah makan sotong buncit jahat di Restoran Top D'Gurun.. dengar nama makanan pun dah wow kan? haha.. Sebab tu teringin sangat nak cuba dan nak review pada korang..

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Restoran ni pun dah viral sekarang sampaikan ada yang dari negeri jauh sanggup turun ke sini semata untuk rasa keenakan masakan sotong buncit ni.. Namanya yang buatkan orang menggamit untuk mencuba! Masa busyra sampai tu masyaAllah ramainya.. huhu. udah ler kena beratur.. dengan lapar plus penat.. Tak apa lah demi seekor sotong buncit. ku gagahi jua! hehe.. 

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Sotong bakar yang disediakan ni ada pelbagai jenis pilihan saiz. Kita boleh pilih sendiri saiz yang kita nak.. Harganya pun confirm lah berbeza. Yang busyra ambil ni harganya RM22.50.. Besar! mungkin kalau korang tengok dari gambar nampak kecil busyra tak zoom sangat.. Berbaloi juga sebab isinya ada telur yang padat.. Disajikan dengan kuah yang super sedap! Ada rasa manis-manis pedas gitu. Sotong ni sangat lembut dan tak liat pun..

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Selain dari sotong bakar, busyra juga ambil ikan bawal goreng dan ikan kembung bakar.. Bermacam jenis aneka lauk ada disini, udang galah, sayur campur, ulam-ulaman, gulai ikan, macam-macam lagi lah..daging bakar pun ada tau! siap dengan sos sekali. 

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Siapa ke sini nanti sila ambil sambal belacan dia.. Paduuu! sedap sangat. Sambal kicap pun sedap. Busyra dan ulam berpisah tiada.. hehe!.. Total semua busyra makan RM59.

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Lokasi ni betul-betul tepi jalan besar.. Ruangan kedai memang besar dan selesa.. Tapi kalau ramai orang mungkin agak sedikit crowded. Busyra tak snap whole kedai ni.. Sebenarnya side sebelah kanan gambar masih ada banyak meja makan..

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Rating: 4/5

Maklumat lanjut

Alamat: Restoran Top D' Gurun, Depan Simpang 3 Guar Nanas, 
08300 Gurun, Kedah.
Waktu Operasi: 10 pagi - 5 petang (tutup jumaat saja)

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HDB LOAN VS BANK LOAN

Monday, April 08, 2019

HDB loan vs Bank loan, info, bank loan, HDB loan,

HDB LOAN VS BANK LOAN | Are you planning to buy one HDB flat or BTO flat for yourself? With different types of housing loans available, most people who are planning to buy a HDB flat or a BTO flat do not know if they should opt for a HDB loan or a bank loan. Fret not, this article will list down the differences between a HDB loan and a bank loan. 

HDB Loan

HDB loans are loans that are catered to Singaporean. The HDB loan interest rate is 0.1% more than the CPF rate, which is 2.6% as of 2016. However, HDB loans have its terms and conditions that you will need to meet if you intend to apply: 
  • HDB loan is applicable to HDB flats
  • One of the buyer must be a citizen of Singapore
  • Applicant’s monthly income must not be more than $12,000 or $18,000 for extended families
  • Applicant must not have more than 2 HDB loans taken
  • Applicant’s monthly income for singles should not be more than $6,000 if he/she is buying a 5 bedrooms or smaller resale flat; or a 2 bedroom new flat in a non mature area under the Single Singapore Citizen Scheme.
  • Applicant must not own or disposed any private residential property in the past 30 months before date of application for a HDB loan. 

HDB loan has a relatively stable interest rate as compared to bank loan. In addition, the loan to value for HDB loan is up to 90%. Buyers using a HDB loan can also use their CPF fund to pay for the downpayment. There is also no penalties if buyer plans to pay off the home loan earlier. Most importantly, HDB loan is more leniant when it comes to late repayment. There will be a late payment fee of 7.5% per year if there is any late repayment. 

Bank Loan
If you opt for a bank loan, you will then need to choose whether to get a fixed interest rate or a floating interest rate. Fixed interest rate are usually higher than floating interest rate, but they allow a certainty of fixing the same interest rate for a few years. As for floating interest rates, they can be really low but that is greatly dependant on the fluctuation of Singapore Interbank Offered Rate (SIBOR)

However, the loan to value for bank loan is only up to 80% as compared to HDB loan where it is up to 90%. In addition, buyer will have to include at least 5% of the property price in terms of cash for the downpayment. In any event where the buyer plans to do early repayment within the commitment period, there will be a 1.5% penalty. Lastly, bank loan is less lenient as compared to HDB loan. A $50 late payment fee will be charged for each repayment that is done late.  If you are opting for a bank loan, do your research on the bank loans offered by different banks to see which bank loan suits your preference more. 

To make it easier to understand, the main differences between a bank loan and HDB loan are as follow:  
  • HDB loans are able to fund as much as 90% of the valuation whereas for bank loans, it is able to fund up to only 80% of the valuation. 
  • HDB loan has a fixed interest of 0.1% above the current SPF rate, which is approximately 2.6%, for the whole loan tenure, whereas for bank loan, the interest is not fixed. However, are cheaper, at approximately 1.7%. 
  • HDB loans typically have a tenure of maximum 25 years whereas bank loans are able to allow the extension of the loan tenure beyond 25 years. However, this will result in a larger sum for the down payment.  
  • HDB loan is more helpful when it comes to downpayment as you are able to use your CPF to cover your downayment. 
  • HDB loan is more forgiving and lenient as compared to bank loan, as there is no penalties for early repayment.

HDB loan vs Bank loan, info, bank loan, HDB loan,

In other words, bank loans are known to have greater down payment but lower interest rate and better flexibility. As for HDB loan, it allows a lesser down payment but with greater interest rate and lesser flexibility. So if you are planning to apply for a BTO unit, think and choose wisely and accordingly.  

In conclusion, a HDB loan might be a better choice for you if you can pay off your loan early. It is also a good option for those who have just started their careers as the downpayment for the house will be lower and the chances of you missing your repayments will be higher too. However, if you are familiar with the housing market and is good in refinancing, a bank loan is definitely a better option then. 

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