Untuk siapa2 yg bergaji minimum RM1000 sebulan bersih or gaji tak tetap mcm business sndiri boleh try apply loan PPR ni..mudah lulus terutama golongan muda.
Utk pembelian rumah sehingga RM120k sahaja loan 100% cumanya deposit awal wajib keluar..bila loan dh lulus dpt extra Cash
Tips: Kalau banker interview anda jangan pula memandai ckp beli rumah untuk disewakan. Confirm x lulus hehe..
Jom tgok ciri2 kt bawah, jika menepati syarat2 yg ditetapkn boleh try apply n walk in ke mana2 cawangan BSN berhampiran utk semak kelayakan anda.
BSN MyHome (Program Perumahan Rakyat)
BSN MyHome (Program Perumahan Rakyat) is designed to help those who are self-employed or with irregular income to own a home.
Requirements:
» Malaysian citizen aged between 18 to 60 years old.
» Individual / Joint Applicants.
» Proof of self-employment.
» Minimum Income RM1,000 per month.
» For financing of first home and for own residence only.
» Financing only for low cost or average properties.
Features & Benefits
» Financing up to RM 120,000.
» Interest rate of BR + 3.00%.
» Financing margin up to 100% (inclusive of MRTA / MRTT & TLRT).
» Financing period up to 35 years.
Note:
» Current BSN Base Rate (BR) is 3.95% (with effect from 21st July 2016).
Late Payment Charge
» Monthly Instalments in Arrears × 1% × Number Of Days Overdue ⁄ 365.
Stamp Duty
» Principal Documents - Will be charged on ad valorem basis.
» Other Documents – RM 10.00
Sangat berbaloi untuk dicuba daripada Bank BSN sahaja.
overdue payment 在 Step Up English Facebook 的精選貼文
BUSINESS ENGLISH VOCABULARY
Writing Business Letters
Useful phrases and vocabulary for writing business letters.
Salutation
• Dear Mr. Brown
• Dear Ms. White
• Dear Sir
• Dear Madam
• Dear Sir or Madam
• Gentlemen
Starting
• We are writing
- to inform you that ...
- to confirm ...
- to request ...
- to enquire about ...
• I am contacting you for the following reason...
• I recently read/heard about ..... and would like to know ....
• Having seen your advertisement in ..., I would like to ...
• I would be interested in (obtaining / receiving) ...
• I received your address from ----- and would like to ...
Referring to previous
contact • Thank you for your letter of March 15.
• Thank you for contacting us.
• In reply to your request, ...
• Thank you for your letter regarding ...
• With reference to our telephone conversation yesterday...
• Further to our meeting last week ...
• It was a pleasure meeting you in London last month.
• I enjoyed having lunch with you last week in Tokyo.
• I would just like to confirm the main points we discussed
on Tuesday.
Making a request
• We would appreciate it if you would ...
• I would be grateful if you could ...
• Could you please send me ...
• Could you possibly tell us / let us have ...
• In addition, I would like to receive ...
• It would be helpful if you could send us ...
• I am interested in (obtaining / receiving) ...
• I would appreciate your immediate attention to this matter.
• Please let me know what action you propose to take.
Offering help
• Would you like us to ...?
• We would be happy to ...
• We are quite willing to ...
• Our company would be pleased to ...
Giving good news
• We are pleased to announce that ...
• I am delighted to inform you that ..
• You will be pleased to learn that ...
Giving bad news
• We regret to inform you that ...
• I'm afraid it would not be possible to ...
• Unfortunately we cannot / we are unable to ...
• After careful consideration we have decided (not) to ...
Complaining
• I am writing to express my dissatisfaction with ...
• I am writing to complain about ...
• Please note that the goods we ordered on ( date )
have not yet arrived.
• We regret to inform you that our order n° ----- is now
considerably overdue.
• I would like to query the transport charges which seem
unusually high.
Apologizing
We are sorry for the delay in replying to ...
I regret any inconvenience caused (by) ...
I would like to apologize for the (delay, inconvenience)...
Once again, please accept my apologies for ...
Orders
Thank you for your quotation of ...
We are pleased to place an order with your company for..
We would like to cancel our order n° .....
Please confirm receipt of our order.
I am pleased to acknowledge receipt of your order n° .....
Your order will be processed as quickly as possible.
It will take about (two/three) weeks to process your order.
We can guarantee you delivery before ...(date)
Unfortunately these articles are no longer available /
are out of stock.
Prices
Please send us your price list.
You will find enclosed our most recent catalogue and price list.
Please note that our prices are subject to change
without notice.
We have pleasure in enclosing a detailed quotation.
We can make you a firm offer of ...
Referring to payment
Our terms of payment are as follows ...
Our records show that we have not yet received
payment of ...
According to our records ...
Please send payment as soon as possible.
You will receive a credit note for the sum of ...
Enclosing documents
I am enclosing ...
Please find enclosed ...
You will find enclosed ...
Closing remarks
If we can be of any further assistance, please let us know.
If I can help in any way, please do not hesitate to
contact me.
If you require more information ...
For further details ...
Thank you for taking this into consideration.
Thank you for your help.
We hope you are happy with this arrangement.
We hope you can settle this matter to our satisfaction.
Referring to future business
We look forward to a successful working relationship in the future.
We would be (very) pleased to do business with your company.
I would be happy to have an opportunity to work with
your firm.
Referring to future contact
I look forward to seeing you next week.
Looking forward to hearing from you, ...
Looking forward to receiving your comments,
I look forward to meeting you on the (date).
I would appreciate a reply at your earliest convenience.
An early reply would be appreciated.
Ending business letters
◊ Sincerely, }
◊ Yours sincerely,} for all customers / clients
◊ Sincerely yours,}
◊ Yours faithfully, in more formal letters
◊ Regards, for those you already know and/or with whom
you have a working relationship
-st-
overdue payment 在 Eric's English Lounge Facebook 的精選貼文
[托福和雅思單字表+mp3] Business and Commerce
Audio file: https://www.dropbox.com/s/o6p57ufhkkpr66l/business%20and%20commerce.mp3
Desktop file: http://vocaroo.com/i/s1lrfdY58oh1
Use the audio file to improve your pronunciation of these words. The file can also be used as a simple listening and spelling test!
老師雖然每次在提供單字表時都會附上中文解釋(課堂上補充搭配的片語),但這只是方便學生更快知道這個單字最通用的意思,不代表是它最完整的涵義及用法。除此之外,有心的同學應該進一步使用其它工具查詢,最好是單字,配詞與句子一起背 (死背一個單字是無用的),再透過經常使用單字的方式,加強自己對單字的認知和應用。當然,你也可以利用老師或字典提供的單字音檔,進而增加自己對單字的辨識能力和發音!
學習單字的方式:
英文單字學習 I: https://www.dropbox.com/s/tq2ym9m3ihsbuy6/vocabI.pdf
英文單字學習 II: https://www.dropbox.com/s/eu51xclk7qxb211/vocabII.pdf
Free Online Dictionaries 免費線上字典和辭典: http://tinyurl.com/kzctz56
account (n.) 帳目;帳單;帳戶
accountable (adj.) 負責的
accountant (n.) 會計師
acquire (v.) 獲得
administrative (adj.) 行政的
advertising (n.) (總稱)廣告
agenda (n.) 議程
agreement (n.) 同意;協定
alternative (adj.) 可供選擇的事物、方式
announce (v.) 宣佈;宣告;公諸於眾
approach (n.) 方法
approval (n.) 贊成;同意
assess (v.) 評估(財產價值);評定
asset (n.) 有用的東西;優點;長處
assign (v.) 分配
attorney (n.) 律師
audit (n./v.) 審計
balance sheet (n.) 資產負債表
balance (n.) 餘額;差額
bankrupt (a.) 破產的;倒閉的
bankruptcy (n.) 破產
benchmark (n.) 基準;水準點;標準
bid (v.) 出價;投標;喊價
board (n.) 理事會;委員會;董事會
bond (n.) 債券
brainstorm (v.) 腦力激蕩,集思廣益
break a contract (v. phr.) 違約
breakthrough (n.) 突破;重大進展
bureaucracy (n.) 官撩主義
buyout/buy out (n./v.)買進全部產權;收購全部
capital (n.) 資本; 資金
carry out (v.) 執行;貫徹;
commerce (n.) 貿易
commercial (adj.) 商業化;商用的
commodity (n.) 商品;農產品
competitor (n.) 競爭者;對手
compromise (v) 妥協; 折衷;和解
concede (v.) 容忍;容許;讓步
conclusive (a.) 決定性的;勿庸置疑的
conference (n.) 會議;協商;討論會
conglomerate (n.) 企業集團
consensus (n.) 一致的意見;共識
consolidate (v.) 結合;合併;強化
consumer (n.) 消費者;顧客
contract (n.) 契約;合同
contractor (n.) 立契約人;承包商
contribute (v.) 貢獻
convention (n.) 慣例;常規;大會
converse (v.) 談話;交談
convince (v.) 使信服
corporate (adj.) 企業的; 團體的
corporation (n.) 公司
cost-effective (a.) 符合成本效益的
credibility (n.) 信譽
credible (adj.) 可信的;可靠的
credit (n.) 信用;信譽;功勞
criterion (n. / pl. = criteria) 規範;標準
currency (n.) 貨幣;流通;通用
cut down (v. phr.) 削減;縮短
dealer (n.) 商人;業者
debit card (n.) 存款戶持有的借方卡
debt (n.) 債;債務
decision making (phr.) 決策
decline (n.) 衰落;衰退 (v.) 下降
deductible (n./adj.) adj.=可抵扣/n.= (保險)扣除條款
deduction (n.) 扣除;扣除額
default (n.) 不履行, 違約, 拖欠
deficit (n.) 赤字;虧損額
demand (v.) 要求 (n.) 需求
demonstration (n.) 示範;實證
deposit (n.) 付押金;付保證金
devaluation (n.) 貶值
diplomacy (n.) 外交手腕;交際手段
discrepancy (n.) 差異;不同;不一致
dispute (n.) 爭端;爭執;糾紛;
dissuade (v.) 勸阻
due (a.) 應付的;到期的;該發生的
earnings (n.) 薪水;工資;收益
embezzle (v.) 盜用;挪用;侵佔(公款等)
employee (n.) 僱員
employer (n.) 雇主
endorse (v.) 背書;支持;贊同
enterprise (n.) 企業
entrepreneur (n.) 企業家;主辦人
estimate (v.) 估計;估價
evaluation (n.) 評價
exempt from (v. phr.) 被免除的;豁免的
expand (v.) 擴張;擴大
expenditure (n.) 消費;開銷
expense (n.) 消耗;消費
export (v.) 輸出;出口
finance (n.) 財政學;財政; 財源
firm (n.) 公司;商行
fiscal (a.) 財政的;會計的
fluctuation (n.) 波動;起伏;漲落
advertising (n.) (總稱)廣告
franchise (n.) 〔經營某公司商品或服務的〕特許經營權
forward (v.) 送到,轉號
franchise (n.) 經銷權;加盟權
free ride (n.) 搭便車
fund (n.) 基金;專款
gross (adj.) 總共的;全部的
haggle (v.) 討價還價
hedge fund (n.) 對沖基金(也稱避險基金或套利基金)
headquarter (n.) 總公司;總部;司令部
holding (n.) 土地;財產(常用複數)
import (v.) 輸入;進口
in exchange for (phr.) 換取
influential (adj.) 有影響
integrate (v.) 統合;整合
internship (n.) 實習
inventory (n.) 詳細目錄;清單;存貨
invoice (n.) 發票; 發貨清單
joint venture (n.) 合資投機活動; 企業
launch (v.) 開辦;展開;發起;開始
lease (v./n.) 租約, 租契, 租賃
long-range (a.) 長期的;遠程的
marketing (n.) 市場營銷
merge (v.) 合併;併吞
monopoly (n.) 壟斷;獨佔;專賣
negotiate (v.) 談判
obligation (n.) 義務
on behalf of (phr.) 代表
order (v.) 匯單;訂貨;訂單;匯票
organization (n.) 組織
outsourcing (n.) 外包
overdue (a.) 過期未付的
patent (n.) 專利 (v. =取得…的專利)
payment (n.) 支付;付款
pending (adj.) 未決定的;待決定的;
pension (n.) 養老金
persuade (v.) 說服;勸服
petition (n. / v.= petition for) 請願
phase (n.) 階段
postpone (v.) 延遲;延期
preliminary (a.) 初步的,開始的
premise (n.) 前提
procedure (n.) 程序
profit (n.) 利潤;收益;營利
propose (v.) 提議;建議
proposition (n.) 提案;建議;計畫
prospect (n.) 展望;期望
prospectus (n.) 計畫書;說明書
prosperity (n.) 繁榮;成功;興隆
purchase (v./n.) 購買
quota (n.) 定量;定額;配額
quote (v.) 報價
R&D (n.) 研發
reach consensus(phr.) 達成共識
real estate (n.) 房地產
receipt (n.) 收據
reconcile (v.) 調和;調解
remuneration (n.) 報酬;酬勞
rent (n.) 租金,租費 (v. ) 租用
retail (n.) 零售; (adj.) 零售的
return (v./n.) 回報
revenue (n.) 收益;歲入;稅收
rewarding (adj.) 獎勵的
rival (n.) 競爭者;對手;匹敵者
salary (n.) 薪資
scheme (n.) 設計;圖謀 (v.) 計畫
seminar (n.) 研討會;討論課;講習會
settlement (n.) 協議;支付
shareholder (n.) 股東
shipment (n.) 一批貨
skills and expertise (n.) 技能和專門知識
social security (n.) 社會保障
solution (n.) 解決方案
statement (n.) 聲明;陳述
stock (n.) 公債;證券;股票
stockbroker (n.) 證券和股票經紀人
strategy (n.) 戰略
subsidiary (n.) 子公司
supply (n.) 供應品;供應物;庫存
surplus (n.) 盈餘 (adj.) 過剩的量
tariff (n.) 關稅
tax (n.) 稅 (v.) 向……課稅
temp work (n.) 臨時工作
thrive (v.) 茂盛;興旺;繁榮
trade (n.) 貿易; 交易;商業 (v.) 交換;進行交易
trademark (n.) 注冊商標
undervalue (v.) 低估價值;看輕
voucher (n.) 保證人;憑證;折價券
warehouse (n.) 倉庫;貨價;大商店
withdraw (v.) 收回;取回;撤回;提款
yield (v.) 產生(效果,收益等)(n.) 產量;收穫量;收益
Related Words 相關詞彙:
Office 辦公室詞彙音檔: http://tinyurl.com/n584mo6
Business Idioms 1: http://tinyurl.com/lcjs5g7
Ancient Trade: http://tinyurl.com/m38ahxx
Complete List 完整托福和雅思單字表+mp3: http://tinyurl.com/lk3fglc
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