still waiting for alliance bank to call me for approval for my loan

Walauei! The loan amount is 7.5 times of your salary!

Mine is only RM8K. Have to complain already

Anyone applied citibank ready credit paylite loan before??

As you said that your loan is associated with your salary and you pay your loan by salary deduction. There must be some agreement describing things like loan interest rate, loan period and other things. It totally depends on the agreement but if no agreement exist then nobody can change the things.

it depends on your CCRIS record and etc etc.. i think mine coz because i have other loan as well.. like a mortgage loan..

other than that.. which branch u applied?

Such a good news. I wish I have as well. How long it takes? Is it 5 times higher than your gross income?

This post has been edited by vmadone: Aug 1 2013, 05:02 PM

Heard that interest is sky high and not easy to get

I only have HP and credit cards.

I got my loan from Aeon Credit Taman Equine.

oh i see.. mine from MV... and i saw wrong not 30k is 20k sorry lol was too happy until didnt notice

hmmm but its lower than maybank and rhb and ocbc

Applied for RM60k P/L from Hong Leong Bank but rejected due to CCRIS not being "enough"/"strong". I bought a house recently on January and only have one credit card (forced to take because of the house loan).

My income: RM8k a month, self-employed.
No other commitment except for the house, which is under DIBS and only have to start paying in 3 years time, and a credit card which is paid off every month.

The reason for the P/L is for temporary emergency, actually I only need RM30k but the loan officer recommended me to write in RM60k, lol.

Who else should I try?

Dear all the sifu

I just got a housing loan for my new launched property which is expected to be finished at 2016. So means that starting from 2016 only I would start the commitment for the housing loan. While the mean time, i would like to take a personal loan and wish to clear this loan by 2016.

So would the installment amount of my housing loan consider as part of my commitment during my personal loan processing from now to 2016?

if im not mistaken... PL is up to 5 times your salary right? ... in your case 8k x 5 = 40k

I saw previously that AEON is the easiest credit bureau to get personal loans since it doesn't look at your CCRIS. Is that true?

That's what I thought too, but since the loan officer asked to try RM60k, so why not I thought.
My case is like this, I might need this emergency fund of RM30k sometime in September, but I'd really like to repay the loan off this year (I got a lumpsum of money coming in end of the year), however if I apply for 6 months P/L, my commitment will seems higher at like atleast RM5k a month, so I planned to get 3 years P/L of RM30k but settle it in 6 months.

you can try alliance bank... currently im applying for it too... for repayment under 3 years.. u can get 7.88

the agent is somewhere in this thread too.. haha

As long your commitment such as credit card, car loan / housing loan not showing at ccris, it wont consider as your commitment. Bcoz normally bank only can track your commitment via ccris record.

This is no surprise. It happen to my friend too, he went to a bank to apply RM12K but was surprised to find out that the amount approved was RM30K. This is how the bank officer push for commission.

Wah...

I wan borrow personal loan.. any bank can recommend..
Pm me some detail...

Salary 1.5k.. Need 10k to 15k..