Personal Loan - V2, which banks offer the best deal?
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 Mar 7 2014, 10:10 AM
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#141
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Junior Member
177 posts Joined: May 2009 From: Kuala Lumpur  
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QUOTE(nellyt99 @ Mar 5 2014, 03:37 PM) no epf can apply pl? For self employed wise.i'm running own business.  u can use your company bank statement or income tax to proof your income. |
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Mar 7 2014, 10:11 AM
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#142
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Junior Member
177 posts Joined: May 2009 From: Kuala Lumpur
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QUOTE(hickups @ Mar 5 2014, 11:24 PM) hi there YES & NO would like to ask if i take personal loan lets say 20k and after 1 month i pay back full settlement. can i do this?  Some bank do have lock down period, which means u only can settle after a period of time. Some bank doesn't. |
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Mar 18 2014, 12:09 AM
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#143
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Junior Member
177 posts Joined: May 2009 From: Kuala Lumpur
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QUOTE(zeroshiki @ Mar 17 2014, 12:05 PM) Hi guyz, today alliance call me to inform the salary required for personal loan has increased to rm3k per month and advise me to apply for fast cash. wrongFrom what alliance told me, its better to take fast cash because of low interest rate, 5.99% p.a .What do you guys think ? Btw, is it possible to apply loan from multiple bank in one time because Im pretty sure the amount alliance offer is not enough For islamic loan = minimum is 3k income For conventional loan = minimum is 2k income both package still under the same rate 8.88% p.a |
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Mar 18 2014, 10:42 AM
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#144
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Junior Member
177 posts Joined: May 2009 From: Kuala Lumpur
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QUOTE(zeroshiki @ Mar 18 2014, 12:37 AM) Thanks for the info ken depents on how much u wan to loan, if small amount 3-5k should be ok.  How about fast cash vs PL? From what i see, fast cash is better because lower interest rate . Btw, i plan to pay back within 2 or 3 years Bcoz fast cash we offer based on your approve card limit, maximum 80%. Lets say bank approve u 5k limit, u only can convert 4k cash. but for p.loan, bank offer based on your nett income x4 - x 7. |
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Jun 11 2014, 10:21 AM
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#145
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Junior Member
177 posts Joined: May 2009 From: Kuala Lumpur
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QUOTE(shk66 @ Jun 9 2014, 11:11 AM) Hi, COC, lower interest rate. But loan amouny based on your credit card limit. Max 80% I'm looking for a 30K loan with 2 years repayment period. I wonder which one suit me? 1. Personal Loan 2. Credit Card (e.g. OCBC Call for Cash). Thank you. Cheers |
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