Hi xamido,

I'm not sure for foreigner,
For local bank, they still prefer for Malaysian or permanent citizen.
Collateral still subject to your vehicle, the more valuable your car, the more likelihood you will get the loan, but for vehicle, not sure. since it not really an assets. In some cases, you can still provide other asset ownership as extra.

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Added on November 6, 2012, 2:29 pmBy the way, if you want better income with fixed salaries range, you can try as a customer service consultant, since nowadays, lot of them better pay than $1,500, these job has more demand in salary range.

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Added on November 6, 2012, 2:32 pmSome bank will charge you a penalty if you fully pay the loan early, subject to banks.
Early settlement will be charge and calculated from the initial loan amount.

This post has been edited by adolph: Nov 6 2012, 02:35 PM

From? If Singapore should be ok, or with PR permit. The others way is to refinance your car.

Can you tell me more about refinancing?

Hi Guys,

I'm thinking of getting a personal loan for the sum amount of 15k, I'm working in private company and have a salary around 3k+. Which bank can offer good and fast applications?

have personal loan look like aeon i- cash
but no the bank ??

normally personal loan can loan for how long?

how to know what is the maximum loan and repayment period can be applied based on salary ?

any bank staff or those who have knowledge on this can pm me the details ?

thanks

If you're looking for bank personal loan, alliance bank offer is not bad.

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Added on November 8, 2012, 1:21 amMaximum is 15 to 20 year repayment, subject to your aged and salary, that applied to private sector.
For government, maximum is 25 year. not sure if can extend more than that.

This post has been edited by adolph: Nov 8 2012, 01:24 AM

Thanks for your info. Appreciate that!

Hi All,

I'm Malaysian and I've been working in Singapore for the past 1 year or so.

Have a car loan, some credit cards and personal loan back home. My question is, am i still able to get personal loan even if i'm working in Singapore and has no EPF contribution for the past 1 year?

Am thinking Easy by RHB as it is the fastest. Other recommendations can consider too. Getting married soon so need more moooolah.

Thanks All!

not able to confirm that,
Just bring some documents as usual for loan requirement, that included confirmation letter from your employer in Singapore, and approach their banks, they will bring a better solution for your case.

Working in Gov, want to apply 10k.. which bank offer the lowest interest?

I came across this redicredit loan 0% interest for 6/12 mths, up front 3.5% interest charged. Borrowing 5k monthly 416. Is this good?



This post has been edited by chanti-sama: Nov 8 2012, 06:31 PM

You could try Bank Rakyat, rate 3.30% above.
http://www.bankrakyat.com.my/web/guest/aslah

Bank Simpanan Nasional, 4.10% above
http://www.mybsn.com.my/content.xhtml?contentId=206
http://www.mybsn.com.my/content.xhtml?contentId=364

and other valid promotion from local bank,

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Added on November 9, 2012, 11:01 amNot really understand what you're saying by 6/12, and 5k monthly 416

Maybe you could provide us the link,

This post has been edited by adolph: Nov 9 2012, 11:03 AM

Hi Guys,

Need advise for personal loan for the sum amount of 10k - 15k. Working in private company and have a salary around 2.3 k++. Which bank can offer good and fast applications? Need to advise my friend as she needs it urgent.

Got 3 credit cards a car loan and 2 personnel loan. But would like to apply another loan at100k . Is there any advice which bank to go for? This is for my older brother. Plz help. Thanks!

One thing, i advice EVERYONE to always always always double check

In life, there is no such thing as a personal loan with less than 4% interest rates.

Its impossible. full stop.

if a bank offers a personal loan at less than 4% interest rate, then its probably a hidden flat rate loan with 6%+ effective interest rate

please please please please please double triple check the installments with a financial calculator.

Thats all. bye

thinking of applying, but if I need to go out of where I stay, the salary have to be at least 2.5K, only then it worth as much as my current salary

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Added on November 12, 2012, 8:03 pmafaik, easy RHB require EPF transcript to apply, which is check and printed when you go see them. so..chances are you cant apply Easy RHB

if u (or your soon to be wife) can apply with Bank Rakyat, by any means apply with them. Next is Bank Islam.


Bank Rakyat...Gov servant so damn lucky. i jelly sia


loan is how much? 10K? 15K? repayment period is how long? 24 months? 36 months?

This post has been edited by Invince_Z: Nov 12 2012, 08:03 PM

hi all, currently i believe bsn is the best ...just 3.95% interest can up until 200k for 20 years tenure ... you may refer here http://www.mybsn.com.my/content.xhtml?contentId=364

Hey, I'm still studying so I don't have any pay slip,
Is there a bank that lend a personal loan without pay slip?