enterprise can bro?

Hi sifus, I would like to seek your advise and opinion on the following matter.
Currently, I and my partner is venturing into an F&B business est. requires about RM 250K- RM300K startup.
Initial idea of raising startup capital from loans.

My condition
Monthly income RM5k with 1 property commitment and credit cards.
Outstanding of CC all settled promptly.
I was thinking of seeking loans of about RM100K-RM200k. Will that be possible or would you advise that I seek other alternatives?

I have tried consulting banks about SME loans but their requirements are that one of it is that, the business that I am in should have an active 3 years of record. So, this wouldn't do for my case.

which bank offer the lowest interest rate?
10k for 3 years. salary 2k only.

what i found on imoney the lowest interest seems to be Alliance, 7.88%
tried to search about Alliance PL on other forum but no ppl talk about it, i wonder why?

Maybank 8% but only for salary above RM2.5k..

yeah i was advised from the sales ppl in mach branch in midvalley they said 9.6% with 9 times the salary and she said its promor period.

i don't understand why bank still need us to submit document and statement.. can't they get it in the first place online services by epf/bank? i have once just give my i.c. number and they already know my ccris.. ! so troublesome

hi..just want to ask, if my salary doesnt come with epf socso deduction, am i still eligible for applying personal loan? just have one commitment ,asb loan, rm597 monthly ,my slary rm3.5k.. any info? tq

it is possible to get any bank personal loan if my ccris is blank?

Is it ok if I applying 2 or 3 loan with different bank at the same time.? Or it will reduce my chances to get a loan? Just dont want to waste my time waiting 4 them to reply me.

Hi guys,

currently I need some advise and opinion from those who had any experience about personal loan for private sector worker like me.

Last week, I have applied the personal loan with Maybank and only today I found out it was rejected (No reason why they are rejected are provided of course).

Fyi, I am working with an IT company with gross income of RM4475.00++.I have maybank dual credit card (Mastercard + Amex) which I never miss the payment every month (which I only pay the minimum payment).I also have AEON loan for electronic device which I never missed the payment.The loan amount with AEON is around RM3000.Previously, I've settled with my first loan with AEON (around RM1400 + RM3800).

Last few days ago, I did browse through few forums and they advise to check the credit status with CTOS and CCRIS.
My status with CTOS was :

SECTION A - IDENTITY NUMBER VERIFICATION
--- No Data Available Here ---
SECTION B - INTERNAL LIST/GROUP EXPOSURE
--- No Data Available Here ---
SECTION C DIRECTORSHIPS AND BUSINESS INTERESTS
--- No Data Available Here ---
SECTION D
--- No Data Available Here ---
SECTION E - TRADE REFEREES & SUBJECT'S COMMENTS
The following referees may provide trade references, on you or companies or businesses which you are or were once associated with, based on their past experience. These references are given independently, directly and voluntarily by the referees to those who may request for their reference. CTOS does not process any information provided by the referee(s).
If you like to know about the information held by the referee about you, please contact them directly.
1. REFEREE : P1.COM SDN BHD
INCORPORATION DATE : 18-04-2007
NATURE OF BUSINESS : TO CARRY ON GENERAL TRADING OF TELECOMMUNICATION PRODUCTS
ADDRESS : PACKET HUB,159,JLN TEMPLER,PETA.LING JAYA,SEL

Note : P1 service is suck at my area and I never missed the payment every month.Using P1 service for 2 years and since there are no improvement after few complaints were made, I decided to cancel the service and they wanted to charge me because I have 5 months left for the second contract.f*** that shit.I just stop using it and automatically switched it to UNIFI.Less haywire smile.gif

Since I have no time to go to bank Negara to get my CCRIS report, I am not sure if I've bad credit status (kinda worried tho) sad.gif

I have no housing loan (staying at my family's house) no car commitment as I bought it cash on last 2009 and another car was in 2012.

I have no idea why Maybank didn't approve my loan.

and oh ya, I am actually working on one year contract basis (renewable for every 1 year) in my current company for almost 3 years already.

Someone please advise me which bank should I go to apply the loan with low interest rate as I need the money to pursue my study. The loan amount that I need is RM50k. :''(

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Personal loan for study purpose.
Could you tell me more about it?
Can I use house mortgage to extend the personal loan quantity during assessment?
Or, may not do like that. Only may apply separately, can not mix with each other?

I applied rhb two weeks ago and got apporoved for 15k 5years. Then suddenly today aeon approved my loan. Being applied before rhb. Dont know how much they give. Possible to take take loan? Coz currently i'm helping my parents for haji. Me and my brother 10k per person. But my brother all application got rejected but got approved one by ocbc which will cost him 15% interest rate. Should i take or can i take aeon loan? Is it posible to have 2 pl at same time?

what is private sector?
and is opening cafe considered as private sector?

Loan approved by Bank Rakyat earlier today, they want me to submit EA form. But i never got one. Ask from HR, deng so simple only the form, just fill in salary, allowances and EPF deduction. Is that it for EA? no need to endorsed by LHDN? btw my salary below 3k. tq

aiyooo now the banks wants BE form.. How to do? anybody? loan already approved but they still wanted this form before disbursing the loan. help!!

Hi..  Can i ask.. I recently have been approved for loan..How long till i get the money??

salam guys,

i earned 3+++ per month,
Which bank can i apply for 80k 10 years loan?

thanks

how bout GLC & gov serv?
Let say i'm a gov serv,
and my net income was 3k,
what is da max loan figure will be approved?
just a rough figure needed.
thanks

Just make a joke... in fact not joke. i am kind of serious too...In fact, I am interested to plastic surgery.. cause I realize my nose is really ugly.. somehow I had check for plastic surgery in clinic in KL it need at least RM15k for the surgery. Anyway i am looking forward to see whether there is any chances for to get personal loan to do it, Well, in fact, it really help me to fullfill my dream to be the star..

Anyway do you think personal loan will help?? ar??

welll to all the wanababes they don't care how much to spend as long as they achieve their dreams..just like our local gals..wincie soo (cannot remember her name well)..she borrow RM 1 million loan for her singing lesson lo

but do you think bank will give out this kind of loan?

do that means that is no way to get guanrator like housing and car loan like tat