* Greek austerity deal lifts euro, stocks, commodities

* Loose monetary policy keeps gold underpinned


By Jan Harvey

LONDON, Feb 13 (Reuters) - Gold prices climbed on Monday as news that Greece's parliament had approved an austerity bill needed to release a second round of bailout funds lifted the euro, while platinum rose back towards a three-month high as supply issues flared up.

Spot gold was up 0.7 percent at $1,731.60 an ounce at 1302 GMT, while U.S. gold futures for February delivery were up $8.60 an ounce at $1,733.90.

The euro rose 0.6 percent against the dollar on relief that Greek leaders had approved the austerity package, though investors were sceptical about the strength of the euro's gains with more hurdles left to be cleared.

"While the Greek parliament has ratified the austerity measures, some uncertainty still remains, for instance regarding the demand for a clear commitment that all the members of the coalition government stick to the agreement," said Anne-Laure Tramblay, an analyst at BNP Paribas.

Greece's politicians struggled last week to reach a deal on painful austerity reforms demanded by the European Union and International Monetary Fund in exchange for a 130 billion euro bailout. The measures sparked violent protests in Athens.

Although gold prices have rallied more than 10 percent this year, they have tended to react negatively in the short term to signs of more stress in the euro zone, tracking the losses in the euro and stocks which have tended to follow bad news.

However, on a longer term view, the precious metal is still receiving some support from uncertainty over the euro zone situation, analysts said.

"The defensive nature of gold should continue to support investment demand as investors look for safe havens," said Morgan Stanley in a note on Monday. "A continued low or negative real interest rate environment will also provide support."

Gold has made significant gains this year on the back of loose monetary policy in the United States and elsewhere, which cuts the opportunity cost of holding the precious metal.




MONEY MANAGERS RAISE NET LONGS

Money managers in gold and silver futures and options raised their net long position in the week of Feb. 7, data from the U.S. Commodity Futures Trading Commission showed on Friday.

"The price is currently also finding support from money managers who in the week to Feb. 7 expanded their net long positions in gold 8 percent to a 5-month high of 155.6 thousand contracts," Commerzbank said in a note.

"This has once again given rise to a certain potential for correction should the optimism of financial investors abate."

On the physical markets, gold traders in major consumer India said demand was soft as buyers anticipated more price falls. India and China between them account for more than 50 percent of annual gold fabrication demand.

option 8
Kadar serendah 3.25%, tanpa penjamin, tanpa yuran proses, tanpa cagaran sehingga RM 200,000,perkenalkan rakan anda untuk dapatkan kadar pembiayaan yang lebih rendah!!!!! *
Syarat-syarat Asas Permohonan *& Jumlah minima permohonan ialah RM 10,000.
& Sehingga tempoh maksima 15 tahun / sehingga tahun persaraan *.
& Pendapatan kasar bulanan minima RM 1,500 (termasuk elaun tetap).
& Pemohon yang berpendapatan tetap dan telah disahkan di dalam jawatan (pengecualian kakitangan kerajaan).* Tertakluk terma & syarat.
Dokumen-dokumen sokongan minima diperlukan untuk permohonan:-
& Salinan kad pengenalan (depan dan belakang).
& Surat surat pengesahan bekerja daripada majikan.
& Salinan Borang Cukai Pendapatan (Borang BE/B atau EC/EA terkini)/salinan KWSP terkini.
& Salinan slip gaji 3 bulan terkini.
& Penyata bank 3 bulanANDA MUNGKIN MEMERLUKAN TUNAI UNTUK:-
Ø MENYELESAIKAN HUTANG KAD KREDIT (KADAR 18% SETAHUN).
Ø SIMPANAN /PELABURAN.
Ø PENDAHULUAN PEMBELIAN RUMAH/KERETA.
Ø KEPERLUAN PERSEKOLAHAN/PENDIDIKAN ANAK-ANAK.
Ø UBAHSUAI RUMAH KEDIAMAN.
Ø PERBELANJAAN PERUBATAN KELUARGA.
Ø DAN LAIN-LAIN LAGI.Berikut adalah contoh kelebihan pembiayaan peribadi Bank Islam dalam membantu anda menyatukan hutang-hutang sedia ada yg mana ini mungkin kad kredit, pinjaman koperasi dan sebagainya bagi mengurangkan bebanan perbelanjaan bulanan:-
Baki
Pinjaman Asal / 
Had Kredit
Bayaran Minima / Ansuran Bulanan
Kad Kredit 16,1028,000305.10
Kad Kredit 29,71110,000485.55
Kad Kredit 38,2009,000410.00
Pinjaman Peribadi2,45010,000256.00
Pembiayaan Peribadi Bank Lain – sekarang98,000100,0001,300.00
JUMLAH KESELURUHAN124,463.002,756.65
Dengan membuat pembiayaan peribadi dengan Bank Islam:-
Jumlah:RM 150,000
Tempoh:15 tahun
Ansuran Bulanan:RM 1,520.83
Kadar:5.50%
Daripada perbandingan ini:
Jumlah Penjimatan Ansuran:RM 1,235.82 (RM 2,756.65 – RM 1,520.83)
Jumlah Lebihan Tunai (Anggaran):RM 25,537 (RM 150,000 – RM 124,463)
Kelebihan kepada pelanggan:
1. Tidak perlu menanggung ansuran bulanan yg tinggi, terutamanya kad kredit.
2. Dapat memperbaiki aliran tunai (cashflow) dengan menyelesaikan hutang2 yg berkadar tinggi seperti kad kredit.
3. Peluang untuk mendapat lebihan tunai yg mungkin boleh digunakan sebagai cash reserved (simpanan waktu kecemasan), pelaburan di Tabung Haji atau mungkin utk keperluan pendidikan anak2.
JUMLAH
TEMPOH PEMBIAYAAN (TAHUN)
PEMBIAYAAN
SOD (FLAT) – 3.25 %
SOD (FLAT) – 4.99 %
SOD (FLAT) – 5.50 %
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
10,000
860.42443.75304.86249.92208.25180.47160.63145.75134.18124.92121.59115.28109.94105.36101.39
20,000
1,720.83887.50609.72499.83416.50360.94321.26291.50268.35249.83243.18230.56219.87210.71202.78
30,000
2,581.251,331.25914.58749.75624.75541.42481.89437.25402.53374.75364.77345.83329.81316.07304.17
40,000
3,441.671,775.001,219.44999.67833.00721.89642.52583.00536.70499.67486.36461.11439.74421.43405.56
50,000
4,302.082,218.751,524.311,249.581,041.25902.36803.15728.75670.88624.58607.95576.39549.68526.79506.94
60,000
5,162.502,662.501,829.171,499.501,249.501,082.83963.79874.50805.06749.50729.55691.67659.62632.14608.33
70,000
6,022.923,106.252,134.031,749.421,457.751,263.311,124.421,020.25939.23874.42851.14806.94769.55737.50709.72
80,000
6,883.333,550.002,438.891,999.331,666.001,443.781,285.051,166.001,073.41999.33972.73922.22879.49842.86811.11
90,000
7,743.753,993.752,743.752,249.251,874.251,624.251,445.681,311.751,207.581,124.251,094.321,037.50989.42948.21912.50
100,000
8,604.174,437.503,048.612,499.172,082.501,804.721,606.311,457.501,341.761,249.171,215.911,152.781,099.361,053.571,013.89
110,000
9,464.584,881.253,353.472,749.082,290.751,985.191,766.941,603.251,475.941,374.081,337.501,268.061,209.291,158.931,115.28
120,000
10,325.005,325.003,658.332,999.002,499.002,165.671,927.571,749.001,610.111,499.001,459.091,383.331,319.231,264.291,216.67
130,000
11,185.425,768.753,963.193,248.922,707.252,346.142,088.201,894.751,744.291,623.921,580.681,498.611,429.171,369.641,318.06
140,000
12,045.836,212.504,268.063,498.832,915.502,526.612,248.832,040.501,878.461,748.831,702.271,613.891,539.101,475.001,419.44
150,000
12,906.256,656.254,572.923,748.753,123.752,707.082,409.462,186.252,012.641,873.751,823.861,729.171,649.041,580.361,520.83

Kelayakan:
• Berpendapatan tetap dengan jawatan yang telah disahkan
• Berpendapatan minimum sebanyak RM1500 (gaji pokok campur elaun tetap)
Kelebihan
• Harga jualan diketahui dan memudahkan perancangan masa hadapan
• Perlindungan Takaful 
• Tiada kos tersembunyi
Selain Produk Pembiayaan Peribadi-I &, Kami juga ada menawarkan produk-produk perumahan, seperti:-
Product Features House Financing :-
1) Payment Holiday – Applicable upon full completion of property. Customers are allowed to skip installment for every November and December.
2) No Payment During Construction (NPDC) for 2 years – It is a deferred payment and only applicable for financing RM250k and above
3) Tier Rate for the first 2 years [property under construction] - [1st year – 2.5%, 2nd year – 5%, 3rd year onwards – up to BFR-2.2% depending on the financing size. 
4) Introducer Incentive of 0.15% of the financing amount, paid in the form of UT [limited till June 2011, thereafter incentive rate will be revised
5) Margin of Financing @ 90%+10% [LTHT, MRTT, legal fees & stamp duty].http://www.bankislam.com.my/Banners/IBanner-HomeFinancingi-eng.png
Boleh menghubungi Awang Suffian di 0198855616

Sumber: Hafizul Hakim bin Mohamad Kerta (Admin Public Gold Sarawak)