hi guys,

what is the lowest interest rate for personal loan (private sector not government), max loan tenure and no penalty for early settlement? if anyone know about this pls let me know.

I need 10k. Thx.

hi
i need advice.
I can't apply for credit card and personal loan. Always declined.
The reason is over commitment.
My monthly salary is RM4000.

The reason of overcommitment is because my dad (very high income and over age 65) always use my name to joint loan with him.
So when the banks see my profile, it always show that my salary cannot cover my loans payments. BUT actually every month my dad use the rental income to cover the loans and I never have to use a cent from my salary to pay the loans.

Is there any way I can get a credit card and a personal loan??

Which bank they dun see one year ccriss for personal loan application ?

So damn sad. I have called up the sales person and she only answered me once. Today I make a phone call to ask the application status, and it is unsucessful!

Aeon if not mistaken Loan amount below Rm5k =18% P.A

18% p.a?

Hi Ken

thanks for your help yesterday, I was the one that approached you in the noon for the loan..

Anyways, I have asked someone to help me to apply loans from other bank with a fee. hopefully, successful.

On the other hand, I have already applied Aeon. Hope it works too.

The interest rate is lower for Aeon if you are their CC customer.

8lackheaven

Is it hard to apply at AEON? Lower for only CC customer, how about personal financing customer?

This post has been edited by vmadone: Jul 23 2013, 02:31 PM

i dunno, my application still pending... its kinda fast to fill in the forms and etc. the sales representative will assist u there. Btw, i went to the MV branch.. if im not mistaken is 0.84% for aeon cc holders, and 1.8 for non aeon cc holders.

the Sales representative advised me to apply both so I would be able to get the lower rate.

hey anyone,

Is it a good move to consolidate my debt ? currently I am always prompt in paying the debt.

Early settlement ASB Loan =RM 5,177.77
Credit Card = RM3,800
Early settlement Personal loan =RM 7,572.62

Thinking of getting a 20K personal loan for 5 years and cancelling my CC.Current Debt Service Ratio is around 37%.

If i proceed with this,the Current Debt Service Ratio is down to 28%

*(FIXED loan repayment (monthly) / net monthly income ) * 100

This post has been edited by Xefron: Jul 24 2013, 12:36 PM

I see. But need some " cutting " on processing fees etc right?

dont get you.. lol ... what u mean by cutting fees?

Just got the CCRIS report from Bank Negara

Just want to ask about my personal loan early settlement.
My loan amount was 13,000 @ 5 years/9% per year /315 per month
Plan to my full early settlement.

Date of application : 15/11/2010 till Dec 2015
Outstanding balance at CCRIS report : RM8009 , Date of balance updated 30/6/2013. July made another installment at 315

Early settlement inquiry at branch : RM 8046.04

Outstanding as at today : RM9084.97

So, the question is , how CCRIS report calculated the outstanding balance ? And why early settlement is higher than CCRIS report?

Thanks

Might be haven't including rebates for early settlement from the bank & some bank does charge penalty for early settlement.

The CCRIS report should be higher amount , since it haven't deducted the rebate. But for this case, it is only 8009 as at June, and after deducted July installment should be around 7700. And for inquiry early settlement from bank is 8046.

I further called up HL Bank today about the CCRIS amount, they told me to ignore it and follow the HL calculated amount.

Just asking for opinion whoever has the idea regardless of the amount, just wish to pay off asap as I already got multiple fold profits from this loan.

is it possible CCRIS only shows the remaining principal before adding the interest for the current month?

Hi, i would like to ask whether Malaysian working in Singapore able to apply for Aeon Personal Loan?

It depends actually.

Darkmage 12, you are a bank officer as well?

The selected company include Cimb or Maybank ?