JYBillion,

You have to understand the risk of lending to other person for long term period, bank will not risk their money to lend to another especially have a bad CCRIS record, it not just a short for six month period just because you able to paid in this six month without outstanding balance. If you do have a bad result then your result will be listed forever for the rest of your life. You want people to help you, firstly you have to help yourselves, the true enemies always yourselves. that is the society. If you're the entrepreneur, will you lend to a person by risking your investment especially have a bad company performance. The world is very fair, you have a good financial report, there will be a lot willing to do business with you. If you do not, then you should know the answer, right.

This post has been edited by adolph: Apr 19 2013, 12:09 AM

Anyone familiar with Personal Financing from Bank Islam?

My friend told me there's this loan with significantly lower rate (than the usual 9.x-10%) if you have MIA membership. Not sure if it works with ACCA too (I'm ACCA member, didn't apply MIA membership yet)

Any info would be great, no time to pop by the branches yet.

Thanks!

Is there any guideline like what to know about the personal loan before commit?
such as Processing fee, early settlement penalty, Fixed or reducing method, Sign agreement? & what else?

Is there such personal loan like debt restructuring? like the loan applied is to use for repayment loan for other bank in order to enjoy lower interest rate.

Hi folks, i am in need of some guidance...

Recently my husband and i apply joint loan to buy a house, suddenly is denied because my name is under special attention at ccris...

It shocked me as to my knowledge i only have ptptn loan, and i have been paying eventho not regularly.

Turns out my mother (crazy drama, long story), used my name to joint account and buy house in 2003... When i was only 18. She forfitted the house a few years later, but never attempted to settle off with the banks.

Now check with ocbc, they say i owe the rm158k, if want to settle off can give discount, so i pay 66k only. What am i to do?

I cant get loan from banks because of my ccris, and ocbc said, it is not the banks problem. They only want the money.



Any advice?

Hello guys,

Don't know if this is a right thread or not. If wrong please do tell me.

Me and my wife planning on buying house. We want to do joint loan with me using gov loan and my wife using bank loan. My stupid question is my wife need to apply personal loan or housing loan?

MBF stilll have porduct Power Loan?

This post has been edited by sharksuke: Apr 27 2013, 09:07 AM

Nope unless balance transfer (applicable only for credit card)


You can't do anything since you are one of the joint account holder. You have to pay off i m afraid

Your wife need to apply for personal loan.

Yup, i think so

Which bank offer the best deal for a RM100k personal loan for private sector staff like me? I'm looking for the maximum tenure bank can offer and I don't have any commitment right now. Thanks

Hi
Age : 21
Kerja swasta
Basic salary :1200rm
No commitments yet
Wanna start small buisness
Can i get loan?
Any ideas?. Any suggetions?

Im thinking to get 100k personal loan. Contact me. I wish to get the best rate. 3 years installment plan.

can anyone help me with personal loan(RM10k)?
Age : 23
Private Sector (SDN BHD company)
Job: IT Executive
Basic salary :RM2.2k
No commitments yet
Can i get loan?

Hmm.. Just wondering why so hard to get P loan approval !?
I got two credit cards .. payment no problem.
Just applied a housing loan from ambank. Loan amount 106k .. status approved!

BUT !!!!!! about p loan i always got rejectedddddddddddd !!! why HUH

Need some advise here, was thinking to buy a 2nd hand car of RM150K loan.

car loan or personal loan which is the best to go for?

Hey,
Thinking of getting Personal Loan.

Age: 27
Private Sector MNC
Basic Salary: RM 6,600
40% commitments with bank.

thinking of getting 50K PL to reduce my current debts to 10% commitments with Bank. I'd like to get about as max tenure as possible, preferably 10 years.

So, any good advise?

Personal loan = unsecured product
Housing loan / car loan = secured product

Thats why p.loan approval rate is lower compare to housing loan & hire purchase.

Car loan interest rate lower compare to personal loan.

Ahhh I FED UP ady

Double check with the sales staff reject due to what problem, if reject due to document / verification problem still can be appeal.

Hmm... just submitted my application last week to Alliance bank... 1 week already... still not receive verify call... I guess no more chance ady

i am government servant and had PL with bank islam
if i resign from government, i read from the T&C, the interest rate will be revised back.
any chance i can avoid it?
eg: ask my new employer to credit my salary to bank islam?