If you want to do full settlement for your housing loan at Al Rajhi, you can follow these steps.
1) Request for Redemption Letter
You send your request to firstname.lastname@example.org and Al Rajhi will charge fee of RM10. So you need to have RM10 at your saving accounts where Al Rajhi deducts the monthly installment.
2) Fill in the form & submit it at any Al Rajhi branch.
The customer service will give you a form to be filled in. Fill in the form and submit it to any Al Rajhi branch. You must ensure your mailing address is up to date so you can receive the hard copy full settlement letter.
3) Al Rajhi will send full settlement letter via email and by post.
One to two working days you will receive your full settlement letter via email.
Surprisingly, this holiday was really fun especially activities at Escape Penang & National Park.
Our Activities in Penang
Arrived in Penang around 5pM.
Check in at our Airbnb at Sunrise Gurney condominium.
We had our dinner at Fried Chicken Master. The chicken was not well cooked so I wouldn’t go here again.
Then we had a simple dessert at a Starbucks nearby.
We had our breakfast at Gemas Road Brothers. The queue was really long. I think the roti canai is overrated. I don’t really like it. The kuah taste sour and really spicy.
After breakfast, we went to Design Outlet – similar concept like premium outlet in Genting & Johor Bahru. We bought track suit for our next day activities at National Park.
We had our lunch at Coffee Bean in Design Outlet Mall.
We took our dinner at Lotus food court in Seri Tanjung.
After then we went to Medan Renong to eat pasembur at Ghani Pasembur.
For breakfast, we ate bread history breads that we bought at Lotus. Then we went for Penang National Park and arrived around 1030am.
We went to Monkey beach by boat. We had our lunch at the stall in Monkey beach. The maggi goreng was delicious.
After lunch we went up to Muka Light house. It took us 1 hour to go up and 40 mn to go down. It was really tiring, we stopped few times to reach at the top. For a fit person that can climb up in 20 minutes.
Then the kids swam at the beach and played sands.
We had our dinner around 5pm at McDonalds because we were so hungry after the activities.
Then at night, we went for supper at Pasembur Gurney road.
We had our breakfast at Ascott Hotel. Then we went to Escape Penang and arrive around 1000am.
We rode the longest waterslide, zip coaster, flying lemur and many more. It was really fun and tiring at same time.
For lunch we at A&W inside the park and dinner we just eat at the shopping mall near Gurney some of us ate Subway and some Coffee bean.
We fall asleep early with muscle pains around the body.
We had our breakfast at a nasi lemak restaurant nearby the Sunrise Gurney condominium. The nasi lemak was delicious.
Then we went back to Shah Alam and reached Shah Alam around 430pm.
Finally I fully settled my housing loan with Al Rajhi bank on 20th September 2023. I took the loan in April, 2010 with tenure of 35 years. At the time I want very low monthly installment that why I have very long tenure.
I started to reduce the principal slowly in May, 2021 then fully settled it by September 2023.
Details of My Housing Loan
Loan Amount: RM115,600
Average Interest: 4.25%
Tenure: 35 years
Start: 30th April 2010
End: 20th September 2023
My loan duration before full settlement: 4892 days / 13 years, 4 months, 22
Total prepayment: RM89,948.88
Paid Interest: RM57,659.82
Total interest: RM106,716.69
Interest saved :RM49,056.87 (RM106,716.69-RM57,659.82)
% interest paid: 54% (RM57k/RM106k)
Principal paid during my loan payment: RM25.651.12 (RM115,600 – RM89,948)
For 13 years per month only paid principal = RM25,651 / 161 months = RM159
Total payment during 161 months: RM85,169 (RM529 x 161 months)
Monthly payment: RM529.33
First 13 years, I paid 70% interest! Only 30% towards principal.
I bought a Nescafe Dolce Gusto machine on 16th May 2023 at Mid Valley, KL.
I was looking for a coffee machine for quite sometimes just don’t know what type should I buy. At the end, I decided to buy a capsule coffee machine for easy maintenance and less clutters to keep all other coffee blends.
Besides, the capsules have different flavours from espresso, americano, cafe latte and caramel.
The Nescafe Dolce Gusto – Genio S Touch
1) Water hotness have 3 levels (normal, medium hot and hot)
2) Water level can change according to a capsule water level needs
3) Easy to replace capsule
What I like?
1) The coffee the machines produces has lots of tasty bubble.
2) I like the taste of the americano and espresso. I think it is better than Starbucks 🙂
3) Easy to use
What I don’t like
1) It takes time before the water stops dripping from the capsule after blend. So either I have to wait till no more drip, or just take the capsule out and make sure the water is not drip on the floor etc.
I bought it at RM699 at that time with free of one capsule box of 16 capsules, starbucks mug and a tote bag.