Provided that your pay is high and you don't have bad payment history.

Too bad my salary is not high and I don't have really clean payment records.

Bank Islam package personal loan, 3.25%

Something wrong as it is far below market interest rate?

hi guys im earning 2.2k a month and want/need to apply for a personal loan..

anyone able to help?

try this for info
http://www.rhb.com.my/loans/personal-finan...rsonal_how.html

thanks but the problem is i only have epf for 3 months only...do u have other suggestions?

I think no harm trying-lor....cos there are more criteria to evaluate than just your EPF statement. just example, they can lend you less if they wanted to.

This post has been edited by yklooi: Aug 8 2013, 03:27 PM

the other catch is i get cash cheque from company for salary meaning i go to public bank and cash out the cheque over the counter . so the salary in not credited into my bank account (maybank). this i believe is a problem if they need to check bank statement.

got any way (documented proof of at least 6 months) to convince the bank that you got a steady income that you can pay the loan?

well the last company i work for even worst work so long epf and socso also never deduct. and no appointment letter..

this current one im at (4months) all okay. just that ive only been there for 4 months

Only for government servant and selected public listed company.

i tried easy rhb pl but no success... so sad..

which bank can consider to approve pl if have ccris outstanding 2-3 months..
i have only car loan

May i know how much charges have to pay for the loan ?

Stamp duty ?

agreement charges ?

Based on my experience, ccris showing 3 = Confirm reject.
It's very important to keep your ccris clean if u wanna apply for something with the banks

is it hard to apply aeon credit?. My ccris is bad for month Jan-April. After that i have cleared my due. Currently everything on track already but i need to make loan(approx 30k) to improve my business to the next level.

No harm to give it a try, since every bank got different policy & T & C.

*Ccris record only will be showing latest 12months record, means from last year 2012 till up to date
Based on your comment, your ccris should be something like this :

Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun July
0 0 0 0 0 1 2 3 4 0 0 0

but my motorcycle loan got approved by aeon credit ...so curious how come they still approve my appication..

personal loan & motorcyle loan are not the same.

Example = For motorcycle loan, if u unable to pay in the future. They still can send over some officer to " tarik balik " your motorcycle. But how about personal loan ? Bank direct bank in cash to your account, if u unable to pay back. The bank got nothing to "tarik balik ". Motorcycle approve rate confirm higher than personal loan, bcoz the risk lever lower compare to p.loan & it's a secured loan.

Mortgage, hire purchase, = secured product
personal loan , credit card = unsecured product

* Personal loan rate around 8%-10%
* Aeon motorbike rate minimum 14% if not mistaken

This post has been edited by Ken_HP: Aug 11 2013, 02:53 PM

which bank u got? what is the rate?

Aeon Credit. I think its 10.08%