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

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bigboy
post Sep 18 2011, 01:39 PM

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any agent OSK here??

or anyone here that can offer me??

i want to make PL, to open CDS account and to make investment using my KWSP.

kindly PM..im at KL

TQ

This post has been edited by bigboy: Sep 18 2011, 01:40 PM
nokiaXP
post Sep 18 2011, 03:37 PM

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QUOTE(kenshin1 @ Sep 18 2011, 12:57 AM)
bos, not about that bos...u still dont knw allot of things in each banks..
diff banks with diff policy....

commitment levels, ccris problem.... yea.. mayb those....
but there r still alot of quality customer....

still looking for better rates, better terms & conditions...some cld get better.....u wld confuse alot of people....
*
but ocbc and hsbc not so concern on ccris or commitment.they can still approved but maybe the loan amount a bit lower.but others direct reject your application
marco
post Sep 18 2011, 03:43 PM

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im gonna try hsbc then. yey.
nokiaXP
post Sep 19 2011, 11:40 AM

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hsbc pl monthly repayment auto deduct from the saving acc.i think others bank they will provide u a different loan acc.totally different
panafone
post Sep 19 2011, 08:56 PM

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Hi,

I still have a couple of years left on my loan. How do I calculate the amount I need to pay if I want to completely pay off the loan today.
windyless
post Sep 20 2011, 04:32 PM

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does anyone heard of Al Rajhi Bank?? The interest is 7.5% only, not sure whether is reliable. Anyone who experience pls comment.
nokiaXP
post Sep 20 2011, 06:48 PM

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last week my pl with hsbc ord been approved.if now i apply cc from them the chances get approved will be high?
sharilazri
post Sep 20 2011, 11:37 PM

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QUOTE(windyless @ Sep 20 2011, 04:32 PM)
does anyone heard of Al Rajhi Bank?? The interest is 7.5% only, not sure whether is reliable. Anyone who experience pls comment.
*
If u're company which u're workin rite now listed in Al-rajhi database will be easier. Otherwise kinda hard. But still u may give it a try.
kenshin1
post Sep 20 2011, 11:44 PM

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QUOTE(windyless @ Sep 20 2011, 04:32 PM)
does anyone heard of Al Rajhi Bank?? The interest is 7.5% only, not sure whether is reliable. Anyone who experience pls comment.
*
7.5%.. go to hv a try.... interest rate doesnt show anything....

alliance 8.88% 5k for 5yrs ..rm 120.33 mthly.. 5k app, bank into any customer personal acc, 5k full....

how about al-rajhi? mind to share?
Phoeni_142
post Sep 21 2011, 12:39 AM

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This post has been edited by Phoeni_142: Sep 21 2011, 12:47 AM
nokiaXP
post Sep 21 2011, 07:08 AM

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QUOTE(kenshin1 @ Sep 20 2011, 11:44 PM)
7.5%.. go to hv a try.... interest rate doesnt show anything....

alliance 8.88% 5k for 5yrs ..rm 120.33 mthly..  5k app, bank into any customer personal acc, 5k full....

how about al-rajhi? mind to share?
*
alliance cc got cash on call like others bank?if yes wat the rates?
princess_sara
post Sep 21 2011, 09:55 AM

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hi

im looking for ocbc banker for PL...pls pm me...would like to try...
usermode
post Sep 21 2011, 11:58 AM

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hurm... im new to this PL thing. could someone point me for the below case? kenshin or any other bank loan agent (ahlong, please stay away.. LOL!) ?

here's the thing. I'll need to make a loan around 11K. for 24/36months repayment. the main purpose to make this loan is to clear my cc outstanding balance and repairing my car because the car got into somekind of big problem already and i need to get it repaired to use it.

My basic is 3.5K in private company. been working for 2 years at this place already. I have a car loan only under my name and i have a responsibiity over one person under my care. I've no issue with my car loan so far.

just only the cc. so my case is, i'm at the limit of my cc which is 5K+. my cc being used by the one under my care and she've abused the usage of it (fuk lor..). i've requested from maybank to terminate my cc or deactivate from being use and they refuse my application for that unless i paid all the amount first. then on the other time, there's a maybank personnel told me that they will force terminate my credit card if i didnt pay for 3 months so i stop paying it for 2 months already and end of this month is the third month because i want to terminate the card (damn.. i hate cc.. LOL!)

i tried to pay the card by monthly-installment-alike. but it's almost impossible to clear it with the interest rate which is killing me and i cant afford to pay it lump sum. that's why i want to make PL.

erm, basically that's it. so, anyone?

This post has been edited by usermode: Sep 21 2011, 02:02 PM
kenshin1
post Sep 22 2011, 12:33 AM

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QUOTE(usermode @ Sep 21 2011, 11:58 AM)
hurm... im new to this PL thing. could someone point me for the below case? kenshin or any other bank loan agent (ahlong, please stay away.. LOL!) ?

here's the thing. I'll need to make a loan around 11K. for 24/36months repayment. the main purpose to make this loan is to clear my cc outstanding balance and repairing my car because the car got into somekind of big problem already and i need to get it repaired to use it.

My basic is 3.5K in private company. been working for 2 years at this place already. I have a car loan only under my name and i have a responsibiity over one person under my care. I've no issue with my car loan so far.

just only the cc. so my case is, i'm at the limit of my cc which is 5K+. my cc being used by the one under my care and she've abused the usage of it (fuk lor..). i've requested from maybank to terminate my cc or deactivate from being use and they refuse my application for that unless i paid all the amount first. then on the other time, there's a maybank personnel told me that they will force terminate my credit card if i didnt pay for 3 months so i stop paying it for 2 months already and end of this month is the third month because i want to terminate the card (damn.. i hate cc.. LOL!)

i tried to pay the card by monthly-installment-alike. but it's almost impossible to clear it with the interest rate which is killing me and i cant afford to pay it lump sum. that's why i want to make PL.

erm, basically that's it. so, anyone?
*
pm replied....
h4dRi
post Sep 22 2011, 11:59 AM

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QUOTE(nokiaXP @ Sep 12 2011, 08:32 PM)
today juz went to hsbc to apply pl for 10k.hopefully can approved.they asking for lowest cl cc
*
hi, what do u mean by they asking for lowest cl cc?

guys, if my credit limit for my cc is 5k, and balance credit is also 5k, what's the max. amount i can apply for pl?


kento
post Sep 22 2011, 12:00 PM

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dem Public Bank,. my loan balance only 7.3k, if wanna settle now they ask for 10.5k ! lol...
nokiaXP
post Sep 22 2011, 12:29 PM

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QUOTE(h4dRi @ Sep 22 2011, 11:59 AM)
hi, what do u mean by they asking for lowest  cl cc?

guys, if my credit limit for my cc is 5k, and balance credit is also 5k, what's the max. amount i can apply for pl?
*
can apply rm5k only
andylxj88
post Sep 22 2011, 12:56 PM

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QUOTE(nokiaXP @ Sep 20 2011, 06:48 PM)
last week my pl with hsbc ord been approved.if now i apply cc from them the chances get approved will be high?
*
if u apply the credit card b4 u apply the loan, sure the card will be approve, but after u apply the loan, only u apply the cc, it will be hard to approve.


Added on September 22, 2011, 1:02 pm
QUOTE(usermode @ Sep 21 2011, 11:58 AM)
hurm... im new to this PL thing. could someone point me for the below case? kenshin or any other bank loan agent (ahlong, please stay away.. LOL!) ?

here's the thing. I'll need to make a loan around 11K. for 24/36months repayment. the main purpose to make this loan is to clear my cc outstanding balance and repairing my car because the car got into somekind of big problem already and i need to get it repaired to use it.

My basic is 3.5K in private company. been working for 2 years at this place already. I have a car loan only under my name and i have a responsibiity over one person under my care. I've no issue with my car loan so far.

just only the cc. so my case is, i'm at the limit of my cc which is 5K+. my cc being used by the one under my care and she've abused the usage of it (fuk lor..). i've requested from maybank to terminate my cc or deactivate from being use and they refuse my application for that unless i paid all the amount first. then on the other time, there's a maybank personnel told me that they will force terminate my credit card if i didnt pay for 3 months so i stop paying it for 2 months already and end of this month is the third month because i want to terminate the card (damn.. i hate cc.. LOL!)

i tried to pay the card by monthly-installment-alike. but it's almost impossible to clear it with the interest rate which is killing me and i cant afford to pay it lump sum. that's why i want to make PL.

erm, basically that's it. so, anyone?
*
i am working at hong leong bank , so if you want to apply personal loan, can u pm me , so that i can call you for further detail


This post has been edited by andylxj88: Sep 22 2011, 01:02 PM
azam_halim
post Sep 22 2011, 01:17 PM

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Hi all.
I'm NOT the agent or promoting this...just asking..is this reliable? i got this link in my email..
http://pcboost.jimdo.com/easy-bank-loan-me...n-dengan-mudah/

According to the website, they offer personal loan to everybody!! (including unemployed!). The agent claim to offer loan from kuwait finance house which offer interest at 2.99% only!!...i dont want to fall for it right away..just want to check if someone has applied it before?

This post has been edited by azam_halim: Sep 22 2011, 01:18 PM
yyun09
post Sep 22 2011, 02:07 PM

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Any suggestion of which bank for PL of 3K for salary of 1.6K for private sector? Anyone heard of AEON personal financing and recommends it?

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