u got very high monthly commitment i guest,
u can use epf for downpayment..

edited...

This post has been edited by project68: Dec 28 2012, 08:44 PM

hi there, dont know u already bought the house or not. just to answer your question here.

-price 350-500 what type of house?and which area?
-currently bank loan/mortgage rate are quite the same (speaking for local banks only)(BSN CIMB MAYBANK are quite good)
-that is gross salary i guess, are you married?if yes then can joint/merge loan.
-alot of commitment, with that salary, quite difficult to get approval.
-10% can be paid by epf/kwsp, another personal loan, or some developer offer installment.(even some got renate and others thing.)

the easiest way to get the loan, put more downpayment.

Franchise or own brand?

is it even possible for a student with no permanent/ part time job but with scholarship money to apply for a loan. im thinking of getting a sub 15k bike and currently have no dp money. but dp money i can borrow from my parent first.

No permanent or part time job, nor deduction through EPF.
No, you cannot apply loan. Banks will not borrow to you because it risky to lend you without fixed income.

At least 3 month working payslip, is a must.
Below 21 year old, get ready for another guarantor.

okay thanks for the info. then have to wait till working la. 2 years to go.

You may discuss with your family if you found out that it is really troublesome for transportation issues. The better solution is by using their name with their permission, but paid your loan by yourselves with your ability.

yup. but if possible dont want to trouble them in paying the loan in my behalf. but will find other ways. better start saving now. haha

Hi guys.. Is there any chances to get loan to pay off my current loans (overlapped)?
I paid all my loans promptly, no issue on CCRIS but bank declined my application coz of high commitment.. But i need to do overlapped since i think i can pay monthly lesser than total i paid currently.

any 1 know what bank can offer lowest rate for 30k loan..

If you're currently under government or statutory then a lot of choices.

If you're private sector, then you can try Public Bank, but must be approved by Public Bank Agency at least 6 months.

Or Cash Plus Financing-i, CIMB bank 9.88% interest or Alliance Bank, BSN Bank if still promotion valid.

hi guys.

i wish for a 40k loan but my salary is barely 3k (before epf). iz it possible? :|

other details:
1) try to avoid the rhb-easy (interest too high)
2) private sector
3) no any other loan, except ptptn.

thx

This post has been edited by fyrogenesis: Dec 31 2012, 12:27 PM

Do you ever late payment such as installment for vehicle, property and other type of loan from other banks or institution, such as CCRIS, it is one of the reason why your loan gets approved or rejected. It hold credit health information of a borrowers.

During the calling period, you may ask them the reason for such rejection and I'm sure they will not hesitate to let you know the reason behind it.

This post has been edited by adolph: Dec 31 2012, 04:03 PM

Call back & ask for reject code, see whether can appeal anot. Btw how long is your car loan already ? If less den 1 year normally reject.

i just applied for PL. but the approved amount is small..monthly pay only 12% of my current salary. if i apply for another PL, will it be approved?

If your monthly commitment is not high , u may apply for another p.loan.

What bank can offer 90% loan for 2nd property in Seremban 230K ?

Hm, hardly come by any with LTR 90% lately.

not high at all..the 12% i pay for this loan is my only commitment

own brand any idea PL or Biz loan for +-100k loan? dun want shark loan haha