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

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singdreams
post Jul 29 2013, 01:05 AM

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QUOTE(lye7899 @ Jul 29 2013, 12:37 AM)
AEON Credit.
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I am trying to get pl to cover up my cc debts

Any way aeon credit can approve my pl ?

I think i have bad record in ccris due to mispayment of cc
stranger88
post Jul 29 2013, 09:35 AM

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QUOTE(lye7899 @ Jul 28 2013, 10:53 PM)
Rate depends on whether you are working with govt or private sector? CCRIS record? Commitment?  nod.gif
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working with private sector currently. CCRIS record (other than my ptptn payment not so cantik, others are ok, i pay on time everymonth). Commitment now is hire purchase loan, & a personal loan with RHB (both good record). Credit card also never late payment(only sometimes not pay in full). Appreciate for any advise. thanks.
Mrs7yengGuy
post Jul 29 2013, 09:53 AM

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QUOTE(stranger88 @ Jul 29 2013, 09:35 AM)
working with private sector currently. CCRIS record (other than my ptptn payment not so cantik, others are ok, i pay on time everymonth). Commitment now is hire purchase loan, & a personal loan with RHB (both good record). Credit card also never late payment(only sometimes not pay in full). Appreciate for any advise. thanks.
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Ptptn does not include in the CCRIS record. Dont worry smile.gif Since you're working with private sector, normal rate shall be applied. Unless if there's any promo rate offered by banks. Good record of payments, most probably you will get your loan approved.
vmadone
post Jul 29 2013, 10:13 AM

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QUOTE(lye7899 @ Jul 28 2013, 11:37 PM)
AEON Credit.
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How much you asked for? Is processing fee included? hmm.gif
13aby
post Jul 29 2013, 08:08 PM

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I tried aeon , get rejected for 5k ..
vmadone
post Jul 29 2013, 08:26 PM

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QUOTE(13aby @ Jul 29 2013, 08:08 PM)
I tried aeon , get rejected for 5k ..
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Did they tell you why? hmm.gif
GuN
post Jul 29 2013, 08:59 PM

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guys, planning to get pl of 25k. any banks to recommend? working w/ glc. 6k salary. no blacklist. current loans only car n house.
lye7899
post Jul 29 2013, 10:51 PM

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QUOTE(vmadone @ Jul 29 2013, 08:26 PM)
Did they tell you why?  hmm.gif
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Yes. Ask them why your loan is rejected?
rizal13
post Jul 30 2013, 09:12 AM

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what is the lowest rate around for private sector? salary rm2k. Please share the rate and bank name, I'm looking for 10k. thx
anz87
post Jul 30 2013, 11:08 AM

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QUOTE(GuN @ Jul 29 2013, 08:59 PM)
guys, planning to get pl of 25k. any banks to recommend? working w/ glc. 6k salary. no blacklist. current loans only car n house.
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Which GLC ? if TM or TnB your eligible to get government servant interest rate at BSN. Bank Rakyat and Bank Islam
lye7899
post Jul 30 2013, 01:39 PM

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QUOTE(rizal13 @ Jul 30 2013, 09:12 AM)
what is the lowest rate around for private sector? salary rm2k. Please share the rate and bank name, I'm looking for 10k. thx
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Wah! You want to borrow to the max. biggrin.gif

You can try but difficult because bank negara has come out with more restriction.
8lackheaven
post Jul 30 2013, 01:41 PM

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QUOTE(13aby @ Jul 29 2013, 08:08 PM)
I tried aeon , get rejected for 5k ..
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how long it took them to reply u?
mcfeemo
post Jul 30 2013, 05:12 PM

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QUOTE(lye7899 @ Jul 28 2013, 10:48 PM)
So long as your HP payment record is good and the amount you wish to apply is not too excessive, you should not have problem getting the loan.

BTW why you are applying for loan as your pay is good and you are in debt?  hmm.gif
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Wanna consolidate few debts into a debt.... sweat.gif
jd4eva
post Jul 30 2013, 06:11 PM

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my income 5.3k, monthly commitment 2.5k, what is the max amount i can take and what is the interest rate, kindly pm
rizal13
post Jul 30 2013, 07:06 PM

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QUOTE(lye7899 @ Jul 30 2013, 01:39 PM)
Wah! You want to borrow to the max.  biggrin.gif

You can try but difficult because bank negara has come out with more restriction.
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yup I want max...any promotion currently for private sector? need to do some comparison.
evan4412
post Jul 30 2013, 07:24 PM

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Hi, Could i get some advise which at the moment having lowest interest rate. Package which not direct deduction from month salary...

Current salary : 6000++
Commitment : car installment around 700
Loan amount : 30000
Duration : 3 year (Will clear it off asap)
Reason for loan : Need cash for wedding

Thank you!!
lye7899
post Jul 31 2013, 01:37 PM

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QUOTE(evan4412 @ Jul 30 2013, 07:24 PM)
Hi, Could i get some advise which at the moment having lowest interest rate. Package which not direct deduction from month salary...

Current salary : 6000++
Commitment : car installment around 700
Loan amount : 30000
Duration : 3 year (Will clear it off asap)
Reason for loan : Need cash for wedding

Thank you!!
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Visit imoney.my and see the rates for all the banks.

Good luck smile.gif
8lackheaven
post Aug 1 2013, 11:50 AM

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hi guys,

My Aeon loan approved. rclxm9.gif rclxm9.gif
lye7899
post Aug 1 2013, 01:49 PM

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QUOTE(8lackheaven @ Aug 1 2013, 11:50 AM)
hi guys,

My Aeon loan approved.  rclxm9.gif  rclxm9.gif
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Congrats! Care you share how much your loan is approved? rclxms.gif
8lackheaven
post Aug 1 2013, 02:04 PM

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QUOTE(lye7899 @ Aug 1 2013, 01:49 PM)
Congrats! Care you share how much your loan is approved?  rclxms.gif
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RM30000 for 5 years tenure..

my income 48k per annum..

signing agreement later rclxms.gif
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