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 Personal Loan - V2, which banks offer the best deal?

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dmitri_burn
post May 14 2013, 04:58 PM

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Hi,
I'm pretty confused with all this loan stuff but i'll make it clear of what i need to know.

I'm got recently employed and i want to take a personal loan. What kind of documents do i need to supply and which banks are good with their loans. I earn about Rm2500. I was thinking about taking about Rm10,000. Am i eligible?
Easy@RHB
post May 14 2013, 05:36 PM

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QUOTE(stanum @ May 8 2013, 04:05 PM)
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? smile.gif
*
Hi stanum, I am andrew from easy rhb, I can help u with ur problem, my number is 0172000957. Just sms or whatsapp me so that we can chat further. With ur salary it should not be a big problem for u to get the amount u requested.
Easy@RHB
post May 14 2013, 05:39 PM

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QUOTE(dmitri_burn @ May 14 2013, 04:58 PM)
Hi,
I'm pretty confused with all this loan stuff but i'll make it clear of what i need to know.

I'm got recently employed and i want to take a personal loan. What kind of documents do i need to supply and which banks are good with their loans. I earn about Rm2500. I was thinking about taking about Rm10,000. Am i eligible?
*
Hi dmitri_ burn, my name is andrew if you are still interested pls sms me at 0172000957,so that i can chat and let u know better
Easy@RHB
post May 14 2013, 05:54 PM

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QUOTE(ELMaqnifique @ May 8 2013, 12:49 PM)
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?
*
Hi if you are still interested, I can definitely help u...my name is andrew from easy rhb, my number is 0172000957...pls whatsapp or sms me if u r interested..
Easy@RHB
post May 14 2013, 06:00 PM

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QUOTE(cherrypop @ Apr 12 2013, 12:05 AM)
Sedih lah like this, so hard to get a loan sad.gif
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Hi cherrypop, my name is andrew from easy rhb, my number is 0172000957. Pls sms or whatsapp me if u r interested n see what i can do for u...
Easy@RHB
post May 14 2013, 06:10 PM

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QUOTE(JYBillion @ Apr 17 2013, 06:51 PM)
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)
*

hi if you are still interested,pls do contact me at 0172000957,andrew from easy rhb...i will try my best to help u

Roychin90
post May 16 2013, 02:23 AM

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QUOTE(ariff_koboi @ Aug 18 2011, 03:43 PM)
i wanna apply for personal loan rm36k.which bank offer the lowest rate.anyone help me.tq
*
Hong leong not bad
alan0rc
post May 17 2013, 08:36 PM

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hi all sifu

i just new here, looking for personal loan to do investment.
target loan is 10 k tenure 3 to 5 years.

income 2.8 k fix + language allwoance 250 + shift allowance 300
gross income plus ot all i can earn around . RM 4.5 k per month

basically i have 1 credit card, good payment only use for six month.
that is all i have now.

so i want any sifu can advice me about personal loan.
i being offered from alliance 7.88 % but reject due to my credit score sucks... no hold any loan or cc in 1 year.

so anybody can advice me ??

thank you .. . .

i work at private sector, call centre job .

This post has been edited by alan0rc: May 17 2013, 08:38 PM
speedoom
post May 17 2013, 09:41 PM

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possible to get PL with only 2 months pay slip?

Ken_HP
post May 17 2013, 10:42 PM

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QUOTE(speedoom @ May 17 2013, 09:41 PM)
possible to get PL with only 2 months pay slip?
*
Depents on bank.

Government sector/ MNC /PLC 1 month payslip will do.

If others, 1 month payslip support with epf or bank statement. Offer letter as well smile.gif
Reyz
post May 20 2013, 06:56 PM

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Hi.anyone knows which the best bank offer the lowest interest for personal loan.thinking to make personal loan up to 50k. Monthy
Salary=6k govt sector.pm me if got info
UnSpeakAble
post May 21 2013, 01:06 PM

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Hai
can anyone help me with personal loan(RM 12 - 15k)?
Age : 27
working at Private Sector (SDN BHD company)
Job: QA/QC Executive
Basic salary :RM2k above (2250-2450) with fixed elaun 220
Commitment : Car Loan RM670/month (clean payment)
Credit Card : No
Other commitements : No
applied with Standard Charted but rejected (no reason) & now applying with Ambank (no reply) maybe still in progress.
Can i get loan?
UnSpeakAble
post May 21 2013, 02:27 PM

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QUOTE(UnSpeakAble @ May 21 2013, 01:06 PM)
Hai
can anyone help me with personal loan(RM 12 - 15k)?
Age : 27
working at Private Sector (SDN BHD company)
Job: QA/QC Executive
Basic salary :RM2k above (2250-2450) with fixed elaun 220
Commitment : Car Loan RM670/month (clean payment)
Credit Card : No
Other commitements : No
applied with Standard Charted but rejected (no reason) & now applying with Ambank (no reply) maybe still in progress.
Can i get loan?
*
My loan with AMBANK also rejected, just receive a system sms from AMonline.
any idea? rclxub.gif
need icon_question.gif

sleyer
post May 21 2013, 08:49 PM

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refer on this web
http://www.imoney.my/personal-loan

can anyone explain what mean :
7.60% Effective interest rate: 13.97%
owenwong84
post May 22 2013, 01:02 AM

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Anyone know how to calculate the OCBC Financing i early settlement amount & penalty?
sleyer
post May 22 2013, 10:41 AM

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QUOTE(sleyer @ May 21 2013, 08:49 PM)
refer on this web
http://www.imoney.my/personal-loan

can anyone explain what mean :
7.60% Effective interest rate: 13.97%
*
any one ?
fahrur_07
post May 23 2013, 08:21 PM

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QUOTE(fahrur_07 @ May 14 2013, 04:56 PM)
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?
*
anyone has idea?
masami
post May 23 2013, 10:13 PM

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QUOTE(fahrur_07 @ May 23 2013, 08:21 PM)
anyone has idea?
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iinm it is compulsory for u to change your banking acc to bank islam to enjoy that low rate..otherwise u will get the normal rate which is way higher.
nyr24
post May 29 2013, 11:17 AM

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so far...mine RHB....
lalachong
post May 29 2013, 02:30 PM

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From: Shah Alam


QUOTE(sleyer @ May 21 2013, 08:49 PM)
refer on this web
http://www.imoney.my/personal-loan

can anyone explain what mean :
7.60% Effective interest rate: 13.97%
*
just look at the 13.97%. that is the effective interest rate... makes u more scared to loan...

same concept like Fixed Deposit eff int rate = 3% and housing loan BLR = 6.6%.

the 7.6% is same as car loan calculation... flat interest rate... looks like lower, but actually it is 13.97%...

hope this clarifies...

smile.gif

This post has been edited by lalachong: May 29 2013, 02:31 PM

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