OMG,

My own company, got returned a cheque which wasn't suppose to happen.
I have sufficient balance before I issue the cheque, then it got returned.
Once I check with the bank, they said balance have but because of the remaining cheque deposit were delayed, so the balance that I checked on that day did not reflect the actual balance.

The main thing is, will it affect my personal credit or just the company? The company is formed under SDN BHD.

:-(

Alliance offering 3.99P.A credit card fast cash based on new card approval

looking for PL for 15k. basic salary is 4.5k. what's the recent best loan with lowest interest rates?

You have salary above RM3k, just send them your salary slip, epf, company letter etc.
You have a lot of supporting documents. I doubt they won't approve yours.

Normally bank nowdays minimum requirement will be 6 months or 12 months ccris record.
Simple answer : Beside than supporting document, bank will go thru your previous payment record. Why ? Bcoz the bank don't know you, so the bank will go thru your previous payment history and supporting document to determine client risk level, details, income & etc.

This post has been edited by Ken_HP: Apr 9 2013, 08:29 PM

Sedih lah like this, so hard to get a loan

I found that cash advance from credit card will have the lowest rate compare to personal loan.

Upfront 5% processing charges from cash advance, 1.5% interest rate monthly if didn't settle all of the outstanding and limited cash amount due to credit card limit instead of personal loan up to 5 - 7 times of client nett income. jz my 2cent=p

I need pro to help me with personal loan from bank .
at first i walked into RHB to check out my epf statement , and apply with easy loan after 2 days.
i try loan with 30k with 48 months . But system came out with a result decline .
and they told me to try again next month with smaller amount .

and so on i try with Alliance Bank
the banker collected my 6 months pay slip and calculate the gross income that i have .
i was wondering
MAR - 2212.14
FEB - 2494.54
JAN - 1900.00
DEC - 2240.71
NOV - 2232.14
OCT - 2270.00
he calculate (i dont know what he count)
He gave me an answer decline cause of my gross income not achived 2k a months , it was like 1930.00.
Then he tried another way to apply online , declined too , bcos my car loan is not more than a year , is about half year .

at last i walked in to CIMB with their cash plus finance
i apply 20k with 36months .
result still Pending .

Can anyone help me what`s safe amount to get , and how many months shuld i payback ( of cos not longer time , interest high)
My target amount is about 20k .
(actually i only need 8k , balance is for my sister , she will pay the amount that she get )

My current commitment only car -RM370
I had EPF with average :
Syer majikan - 234.00
syer pekerja - 198.00
My basic is RM1900+100(allow)+200(OT,this will get every month , due to from 5days/week to 6days per week at this company)

Normally you can get 3-5 times of your basic.

If your basic is 2k, then you can loan up to 10k.

FYI, there is existing personal loan thread. You can ask there.

For your info its quite difficult to get a loan approval if your income is below RM2000 (nett). Beside you also need a ccris record for at least 1 year.

Still i will advise you try AEON or MBF Power Loan instead of the major banks. Maybe your chances will be higher there.

Good luck!

ALRIGHT thx alot

ccris must be one year ?
aeon i cant loan , i had a bad record there , but i did clear the payment long time ago .
i choose cimb , bcos my car loan is from cimb

Well good luck for your loan

JYBillion,

It very simple, your salary is around $1,800 every month which result $198 deduction from your Employee Provident Fund (EPF), not $1900 as a basic, please verify this with your current company as I always received a lot of complaint for their respective companies do not paid their EPF contribution for the employee. Your gross income are as follow if follow our calculation by your employer deduction,
March = $ 243.33
February = $ 274.39
January = $209.00
December - $246.71
November - $245.53
October - $249.70

From my calculation, it shown very clearly you are not eligible to take $30,000 because of your current commitment and your career is not just a fixed salaries but still received overtime pay and key performance indicator (KPI) if not mistaken. Even if your fixed salaries only $1,000 but you received $3,000 from commission payable, it will effect a lot to a loan approval. So, basically salary is very important, the higher the rate, the better the approval rate. if you are expecting a shorter return with your salary like this especially your hire purchase already force you to paid $4,440 per year, let me straight to the point, most bank will not lend it to you and it so, not easy. that not included your previous CCRIS record, if you have any late payment or due payment then it will be harder for you to get any personal loan, that doesn't matter you already settle your loan or whatever, your record still there forever for the rest of your life, that is your credibility and credit to the bank to check your credit rating score.

This post has been edited by adolph: Apr 17 2013, 11:26 PM

then how about 8k to 10k ?
how much that i can loan ?

This post has been edited by JYBillion: Apr 18 2013, 02:23 AM

and rhb easy only can apply once a month ?
they did tried with 30k but decline .
but i just need 8k .
so can i try again with the same month ?

newbie here, just decide to buy 200k house... which bank give better offer?? btw, im goverment officer but just work for 5 month with nett salary 3.7k

JYBillion,

Yes, you need to apply at least next month. However, you may try another loan from branch that currently in offer, branch and easy are different division but still under RHB Bank Malaysia Berhad. If you already decline, mean you have a bad record for your CCRIS. Our bank do have a system known as counter offer, so if you do not received any counter offer during easy RHB, then you may try for branch. If two of the division do not offer you "counter offer", you may try again at least after one month or effective way, try other banks.

i just checked my ccriss this morning at BN
Oct 0
Nov 0
Dec 0
Jan 0
Feb 0
Mar 0

just nice 6 months

no more record