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

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pLoan999
post Aug 7 2012, 02:05 AM

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Hi guys,

I am going to apply for a personal loan of at least RM35,000 to settle my credit card debts with repayment period of 3 years. sad.gif

Just wanna check with the experts here whether my loan will be approve. Currently I have 3 credit cards and a hire purchase for my car. cry.gif My basic salary is RM6,000 per month working in a private sector. I got an offer for the personal loan which will auto deduct from my salary as repayment. rclxms.gif

I've also went to Bank Negara to check my CCRIS status. cry.gif Please advice whether will it be approve or not.

Thanks! smile.gif

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androool
post Aug 7 2012, 07:51 AM

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QUOTE(pLoan999 @ Aug 7 2012, 02:05 AM)
Hi guys,

I am going to apply for a personal loan of at least RM35,000 to settle my credit card debts with repayment period of 3 years.  sad.gif

Just wanna check with the experts here whether my loan will be approve. Currently I have 3 credit cards and a hire purchase for my car.  cry.gif  My basic salary is RM6,000 per month working in a private sector. I got an offer for the personal loan which will auto deduct from my salary as repayment.  rclxms.gif

I've also went to Bank Negara to check my CCRIS status.  cry.gif Please advice whether will it be approve or not.

Thanks!  smile.gif

» Click to show Spoiler - click again to hide... «

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Well I think the bank is going to make you do a debt consolidation (balance transfer) with the PL you going to apply since youre exposure is quite high and late payment on your hire purchase. And they might also suck you dry with the interest by making the tenor of the PL longer than what you want. Al Rajhi (I only know this bank since I took a PL or technically PF(Personal Financing))... you can borrow max RM30K with a RM6K basic.
0zza
post Aug 7 2012, 10:30 AM

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Hi all,
Working at a GLC with net salary of RM3.6k
Planning to get an islamic personal loan of around 30k to consolidate my debt (1 pl 3 cc) n move in new house
Appreciate if any of the sifus/otais here can guide me to get best,cheapest,fastest deal possible.
Thanks!
amygdala
post Aug 7 2012, 10:43 PM

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Hi all
I need advice
I'm planning to apply for personal loan around 25k to pay my outstanding study loan.
I'm a contract government staff but been working for 8 years already with around 3k salary.
My commitment is my car and credit card less than 5k.
Am I eligible?
Please advice.
My study loan is accumulating because of the interest although I've been paying steadily for the past few years.

Thanks in advance!

sherlynwen
post Aug 8 2012, 10:20 PM

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QUOTE(backspace66 @ Aug 6 2012, 09:43 PM)
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.
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Thanks for your suggestion! However, Balance Transfer need to apply a credit card from that bank 1st right? I tried apply a new credit card thru few banks however my application was rejected. Will it be the same result if I apply for balance transfer? icon_question.gif
androool
post Aug 9 2012, 10:44 PM

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QUOTE(sherlynwen @ Aug 8 2012, 10:20 PM)
Thanks for your suggestion! However, Balance Transfer need to apply a credit card from that bank 1st right? I tried apply a new credit card thru few banks however my application was rejected. Will it be the same result if I apply for balance transfer?  icon_question.gif
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My guess would be probably so as it is also an unsecured credit facility. But don't let that deter you but you should try to figure out the reason by visiting BNM and obtaining your CCRIS report.
sherlynwen
post Aug 9 2012, 11:04 PM

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QUOTE(androool @ Aug 9 2012, 10:44 PM)
My guess would be probably so as it is also an unsecured credit facility. But don't let that deter you but you should try to figure out the reason by visiting BNM and obtaining your CCRIS report.
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Ok ! thanks for ur suggestion ! will find 1 day go downtown to do the necessary ... Thanks !
Chuchu99
post Aug 10 2012, 12:31 PM

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ENJOY 20% & 25% CASH REBATE FOR PERSONAL LOAN

WHO INTERESTED TO PERSONAL LOAN and settle the CREDIT CARD DEBT may PM my Mail Box to get more info

Thank You

Miss Chu here ^^
androool
post Aug 13 2012, 08:23 AM

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QUOTE(amygdala @ Aug 7 2012, 10:43 PM)
Hi all
I need advice
I'm planning to apply for personal loan around 25k to pay my outstanding study loan.
I'm a contract government staff but been working for 8 years already with around 3k salary.
My commitment is my car and credit card less than 5k.
Am I eligible?
Please advice.
My study loan is accumulating because of the interest although I've been paying steadily for the past few years.

Thanks in advance!
*
Most bank would offer max 5X your monthly salary. So that can lower your study loan if the interest is lower...
BlueHippo
post Aug 14 2012, 11:18 AM

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QUOTE(Chuchu99 @ Aug 10 2012, 12:31 PM)
ENJOY 20% & 25% CASH REBATE FOR PERSONAL LOAN

WHO INTERESTED TO PERSONAL LOAN and settle the CREDIT CARD DEBT may PM my Mail Box to get more info

Thank You

Miss Chu here ^^
*
Check your PM

This post has been edited by BlueHippo: Aug 14 2012, 11:19 AM
<-- no content -->
aku46
post Aug 14 2012, 11:54 AM

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for private sector and non panel,try al-rajhi. one week to get my PL app approved inc disbursement. max 5x gross salary, 7.25%, start pay 1st nov.
Elainelee9006
post Aug 17 2012, 10:05 AM

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Hi, I would like to find out my basic is bout RM 1435 after deduction is 1268.i'm working in a private sector.which bank can i apply for personal loan wid low interest?pls let me noe...urgent!thanks.
Ken_HP
post Aug 17 2012, 10:08 AM

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QUOTE(Elainelee9006 @ Aug 17 2012, 10:05 AM)
Hi, I would like to find out my basic is bout RM 1435 after deduction is 1268.i'm working in a private sector.which bank can i apply for personal loan wid low interest?pls let me noe...urgent!thanks.
*
Minimum Gross salary Rm1.5k ( rhb easy )
Standard gross 2k
Elainelee9006
post Aug 17 2012, 10:09 AM

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QUOTE(Ken_HP @ Aug 16 2012, 06:08 PM)
Minimum Gross salary Rm1.5k ( rhb easy )
Standard gross 2k
*
i tried rhb easy but not approved due to my salary.


Added on August 17, 2012, 10:19 am
QUOTE(locomotive @ Jul 10 2012, 06:24 AM)
Max amount u can get is RM120k. Subject to ur net income or existing deduction n tenure of loan. Current best rate is 3%-4%.
Pls check ur inbox.


Added on July 10, 2012, 10:33 pm
Max u can get is RM150k-RM200k, tenure 15-20 years (depending on which bnk u r applying with).
I can help u apply loan without using biro angkasa. Loan rate is 3-4%.

Check ur inbox


Added on July 10, 2012, 10:43 pm

Im an loan agent. Bank rakyat latest rate is 4.95% for 20years. Repayment method is salary deduction via biro angkasa or via your HR provided company u r attach to is a bank rakyat panel
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can u pm [email protected]


Added on August 17, 2012, 10:28 am
QUOTE(Ken_HP @ Aug 16 2012, 06:08 PM)
Minimum Gross salary Rm1.5k ( rhb easy )
Standard gross 2k
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can u pm me 4 more [email protected]


Added on August 17, 2012, 11:26 am
QUOTE(Chuchu99 @ Aug 9 2012, 08:31 PM)
ENJOY 20% & 25% CASH REBATE FOR PERSONAL LOAN

WHO INTERESTED TO PERSONAL LOAN and settle the CREDIT CARD DEBT may PM my Mail Box to get more info

Thank You

Miss Chu here ^^
*
can u pls email [email protected]

This post has been edited by Elainelee9006: Aug 17 2012, 11:26 AM
memey 8985
post Aug 17 2012, 04:39 PM

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Menyediakan perkhidmatan Pembiayaan Peribadi Kakitangan Kerajaan Tetap / Kontrak
Kerajaan Awan Persekutuan, Negeri, Badan Berkanun dan GLC..

Hubungi/SMS maklumat berikut untuk sebarang pertanyaan/ pengiraan kelayakan pinjaman:

1. Nama
2. No kad pengenalan
3. Nama majikan dan lokasi bekerja
4. Jawatan
5. Tempoh telah berkhidmat
6. Gaji pokok
7. Elaun tetap
8. Potongan dlm payslip

berminat sila hubungi :

010-2403701


ANTARA PAKEJ TAN PA LIHAT KOMITMENT

TAWARAN PINJAMAN PERIBADI KPERASI YAYASAN RCE

Kelebihan Pembiayaan RCE
1. Proses kelulusan hanya 48 jam jika borang dilengkapi dengan dokumen sokongan untuk pinjaman baru atau fresh loan. Overlap pinjaman sedia ada perlu 7 hari berkerja.
2. Jumlah gaji tetap RM1200 keatas. Kadar faedah 4.99% tetap. Tempoh pembayaran sampai 22 tahun dengan maksima pinjaman RM 250,000.
3. Kakitangan kerajaan kontrak kerja 6 bulan boleh memohon pembiayaan RCE(Y2).

Terdapat tiga jenis produk RCE-Yayasan:

1. RCE Y2

Minima jumlah gaji tetap : RM 700 (Status Kontrak)
Umur : 18 tahun ke tas
Kadar faedah : 7.88% setahun (tetap)
Minima pinjaman : RM1,000.00
Maksima pinjaman: RM150,000.00
Tempoh pinjaman : 1 tahun sampai 10 tahun

------------------------------------------------------

2. RCE Y3

Minima jumlah gaji tetap: RM1,200 (Status Tetap)
Umur : 20 tahun ke atas
Kadar faedah : 4.99% setahun (tetap)
Min pinjaman : RM1,000 setahun
Maksima pinjaman : RM 250,000.00
Tempoh Pinjaman : 1 tahun sampai 22 tahun

------------------------------------------------------

3. RCE Y4

Min gaji RM700 (Status Tetap)
Umur :18 tahun ke tas
Kadar faedah : 5.99% (tetap)
Min pinjaman : RM 1,000.00
Maks pinjaman : RM 150,000.00
Tempoh Pinjaman :1 tahun sampai 22 tahun


pedo123
post Aug 18 2012, 04:14 AM

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Currently I'm submitting HLB personal loan, if in the same time I try to apply personal loan from other banks and it approved can I reject either one?
Because I need it urgently and worry if rejected..
switcx
post Aug 20 2012, 09:41 AM

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Hi.. I'm looking to take pl around 10k. Current salary rm2.5k. Didn't have other credit commitment currently. Which bank give lower interest rate? Pm me agent.
Jollybee
post Aug 20 2012, 10:55 AM

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QUOTE(valkyrie5034 @ Mar 29 2012, 01:09 PM)
I just received a phone call from someone claiming to a Standard Chartered bank officer who wants to offer me personal loan.

They require a photocopy of my IC before they can check how much I'm eligible to borrow. I declined the offer and they asked me to call back the number if I reconsider.

This is probably a scam since the person was speaking in Mandarin. Here's the phone number +6052207933 for reference.
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Whoever call you from Stand. Chart offering personal loan should be a scam. This is the trick they often use. They tell you that the PL is a reducing rate. And the rate is 9.9%.

However, the rate they told customer is actuallly a flat rate 9.9%. Converting to effective rate, it is 18.x %.

I don understand how SC explains their product. If customer is interested in reducing loan, they should tell the customer the effective rate instead. This is the biggest scam of all PL product.
HughieRmX
post Aug 20 2012, 11:43 AM

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Looking forward for offers on the personal loan product ..
Kindly drop me a PM for further clarification ..

Thank you smile.gif
spcx
post Aug 21 2012, 06:41 PM

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Any CIMB agents here?

I have a CIMB Property Financing account, and a credit card Visa Signature. Current debt is around 50k and I would like to apply a personal loan from CIMB to settle my CC debt and repay it in 5 years.

Im also currently serving another personal loan from HSBC, around 50k. So far no late payments in any of my credit cards, hire purchase or home financing.

My gross income is 14k a month.

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