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 Personal Loan - V2, which banks offer the best deal?

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locomotive
post Jul 31 2012, 12:43 AM

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QUOTE(Ken_HP @ Jul 20 2012, 06:23 PM)
If not mistaken Islamic Loan minimum requirement gross income Rm1.5k p.m
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D

Yes u were rite. Plus no banks willing to give loan to contract or temporary staff. There is no secure or guarantee in paying ur loan installment


Added on July 31, 2012, 2:02 am
QUOTE(ciahcra @ Jul 27 2012, 04:17 PM)my loan application was rejected by Hong Leong should I try for other banks, or wait first? because i heard someone said if your loan application is unsuccessful, you have to wait 3 months...

QUOTE(ykyyap @ Jul 29 2012, 04:24 PM)
yes, there is a cooling off period of banks... but for the current bank only...
which means, HLB rej ur loan, u hv cooling off period 3mth in HLB, but not other banks.. u may try other banks with no doubt..
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To the best of my knowledge there is no cooling of period as you can always apply re-apply, appeal etc.
To do this you have to know why your application is rejected in the first place. I.e ccriss ctos, akpk, low income, low net income, high commitment, small or unknown company, your employment details that might bring a risk to bank's collection deparment in the event if loan is approved i.e army, pilot because the nature of their job required them to travel a lot,

Once you know the real reason on why your loan is rejected, you can always figure it out how to solve it before re-apply.

There are a lot of cases rejected, re-apply and approved without having to wait for 3 months








This post has been edited by locomotive: Jul 31 2012, 02:02 AM
darkvader1203
post Jul 31 2012, 10:18 PM

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Hi all,

My name has been sent to ccris cz i had some issue paying my PL two years back. I had three month outstanding that time cz i was unemployed but after got a job i have settled the outstanding and have been making prompt payment.

My PL was with CIMB and they have put under the special attention list. However, i have settled the total amount last week and i have received the release letter from them.

I would like apply a person loan for RM20,000. Is it possible?im looking for repayment within 3years? which bank to opt for?

My basic salary is Rm2.7k and i have no commitment at all.
allenlyk
post Aug 1 2012, 10:16 AM

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Hi all, I want to apply a personal loan of RM20k.. repayment within 4 or 5 years.. any ideas?
carterlim
post Aug 1 2012, 10:17 AM

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[quote=darkvader1203,Jul 31 2012, 10:18 PM]
Hi all,

My name has been sent to ccris cz i had some issue paying my PL two years back. I had three month outstanding that time cz i was unemployed but after got a job i have settled the outstanding and have been making prompt payment.

My PL was with CIMB and they have put under the special attention list. However, i have settled the total amount last week and i have received the release letter from them.

I would like apply a person loan for RM20,000. Is it possible?im looking for repayment within 3years? which bank to opt for?

My basic salary is Rm2.7k and i have no commitment at all.
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Current Employment more than 1 year ? Permanent or contract staff?
carterlim
post Aug 1 2012, 04:20 PM

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Can apply provided that your current employment more than 1 year and permanent staff on this company and degree cert depends on case to case basis.
darkvader1203
post Aug 1 2012, 07:13 PM

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[quote=carterlim,Aug 1 2012, 10:17 AM]
[quote=darkvader1203,Jul 31 2012, 10:18 PM]
Hi all,

My name has been sent to ccris cz i had some issue paying my PL two years back. I had three month outstanding that time cz i was unemployed but after got a job i have settled the outstanding and have been making prompt payment.

My PL was with CIMB and they have put under the special attention list. However, i have settled the total amount last week and i have received the release letter from them.

I would like apply a person loan for RM20,000. Is it possible?im looking for repayment within 3years? which bank to opt for?

My basic salary is Rm2.7k and i have no commitment at all.
*


Current Employment more than 1 year ? Permanent or contract staff?
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[/quote]


Yes it is more than a year and im a contract staff.
androool
post Aug 2 2012, 08:30 AM

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[quote=carterlim,Aug 1 2012, 10:17 AM]
[quote=darkvader1203,Jul 31 2012, 10:18 PM]
Hi all,

My name has been sent to ccris cz i had some issue paying my PL two years back. I had three month outstanding that time cz i was unemployed but after got a job i have settled the outstanding and have been making prompt payment.

My PL was with CIMB and they have put under the special attention list. However, i have settled the total amount last week and i have received the release letter from them.

I would like apply a person loan for RM20,000. Is it possible?im looking for repayment within 3years? which bank to opt for?

My basic salary is Rm2.7k and i have no commitment at all.
*


Current Employment more than 1 year ? Permanent or contract staff?
*

[/quote]


Try Al-Rajhi bank. They're quite good and same goes for the financing rate. Also now they have a promo during Raya to defer payment 2 months. 1st timers the paper-work quite tedious as disbursement is to a new savings a/c you've to open with them. Once approved, the disbursement is really fast.
xphr3ak
post Aug 2 2012, 02:32 PM

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What is 'Flexible Financing Tenure'?
Thanks.
squaresz
post Aug 2 2012, 09:30 PM

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Anyone offering fast approval loan for amount RM3000-RM5000 ?
shintz
post Aug 3 2012, 07:49 AM

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hello, i am gov servant, basic + allowance 3k, cc 2 years. i have an old shop. I want to spoil it and rebuild a new shop. I should apply personal loan or house loan? loan 7-10 years. 100k.
sherlynwen
post Aug 3 2012, 11:42 AM

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Im oweing credit cards about RM12k. Personal loan needed to settle one short in order to save some interest. Any bank now doing promo?
angelflames
post Aug 3 2012, 12:07 PM

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Thank you user Locomotive for the loan service. Fast, and very efficient, and my loan was approved thanks to him, which would otherwise rejected by banks counter. He knows his way around with bank's loan smile.gif


Slekerz
post Aug 6 2012, 08:09 AM

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haii, i have salary around 2K monthly, i want to take PL around 4k - 6K, which bank offer the best interest or offer, can u guys help me out. thank you.
androool
post Aug 6 2012, 08:36 AM

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QUOTE(Slekerz @ Aug 6 2012, 08:09 AM)
haii, i have salary around 2K monthly, i want to take PL around 4k - 6K, which bank offer the best interest or offer, can u guys help me out. thank you.
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Give Al-Rajhi Bank a try. I got a loan from them and find them to be very competitive. Just ensure you provide all the documents they ask for. Also if you don't want them to call your office to verify with your HR on your employment, get a letter of confirmation from HR providing information like your tenure of service and salary, allowance etc... now AlRajhi is offering 2 months deferrment till Nov/Dec to make your first payment.


Added on August 6, 2012, 8:38 am
QUOTE(sherlynwen @ Aug 3 2012, 11:42 AM)
Im oweing credit cards about RM12k. Personal loan needed to settle one short in order to save some interest. Any bank now doing promo?
*
That's what I did with Al Rajhi Bank. If you'r credit card outstandings isn't that bad, just do a personal loan with Al Rajhi but don't do the balance transfer. I was approved for personal financing on the 26th and money disbursed to my a/c on 27th however I am still waiting on them to effect the balance transfer to my credit cards!


This post has been edited by androool: Aug 6 2012, 08:38 AM
Slekerz
post Aug 6 2012, 08:54 AM

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QUOTE(androool @ Aug 6 2012, 08:36 AM)
Give Al-Rajhi Bank a try. I got a loan from them and find them to be very competitive. Just ensure you provide all the documents they ask for. Also if you don't want them to call your office to verify with your HR on your employment, get a letter of confirmation from HR providing information like your tenure of service and salary, allowance etc... now AlRajhi is offering 2 months deferrment till Nov/Dec to make your first payment.


Added on August 6, 2012, 8:38 am

That's what I did with Al Rajhi Bank. If you'r credit card outstandings isn't that bad, just do a personal loan with Al Rajhi but don't do the balance transfer. I was approved for personal financing on the 26th and money disbursed to my a/c on 27th however I am still waiting on them to effect the balance transfer to my credit cards!
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thanks androool for reply will check them out.
zul_klasik
post Aug 6 2012, 04:22 PM

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easy rhb
borrow 30k
monthly 1130.25k x 36 months aka 3 years = 40689k = 10689 interest

not best deal rite?

jus asking
huhuuh
Ken_HP
post Aug 6 2012, 09:18 PM

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QUOTE(zul_klasik @ Aug 6 2012, 04:22 PM)
easy rhb
borrow 30k
monthly 1130.25k x 36 months aka 3 years = 40689k = 10689 interest

not best deal rite?

jus asking
huhuuh
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rhb % way too highhh rclxub.gif not worth it

backspace66
post Aug 6 2012, 09:43 PM

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QUOTE(sherlynwen @ Aug 3 2012, 11:42 AM)
Im oweing credit cards about RM12k. Personal loan needed to settle one short in order to save some interest. Any bank now doing promo?
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I suggest a balance transfer if you intend to settle it within 1 year,max 2 years.You can get low interest or no interest for some bank for a certain period.
scyter
post Aug 6 2012, 09:57 PM

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anyone knows how much interest is given by Agro Bank? wat i mean is that if we loan for certain money..how much is interest is applied to the loan?

This post has been edited by scyter: Aug 6 2012, 10:02 PM
sun_flying33
post Aug 6 2012, 10:44 PM

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I am looking to get a RM20K - RM22K personal loan to fund an investment.
I need the cash by end of this month.
Which bank has the best offer currently?

Work in private sector, international company
My current salary RM6500
Net salary after deduction RM4900
Housing loan per month RM460
Credit card balance RM3000

My idea loan repayment per month is around RM800 - RM1000 for 2 years. Possible?

Heard Bank Islam has the best rate (~3% per annum), but can I apply?
What about Al-Rajhi Bank? 7% per annum?
Any agent from these banks? PM me please.
Agent from other banks with better rate is welcome too.

Thanks

This post has been edited by sun_flying33: Aug 6 2012, 10:45 PM

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