It's bad for me then.

Any idea which bank might consider my loan application ? 

Hi guys,

currently I need some advise and opinion from those who had any experience about personal loan for private sector worker like me.

Last week, I have applied the personal loan with Maybank and only today I found out it was rejected (No reason why they are rejected are provided of course).

Fyi, I am working with an IT company with gross income of RM4475.00++.I have maybank dual credit card (Mastercard + Amex) which I never miss the payment every month (which I only pay the minimum payment).I also have AEON loan for electronic device which I never missed the payment.The loan amount with AEON is around RM3000.Previously, I've settled with my first loan with AEON (around RM1400 + RM3800).

Last few days ago, I did browse through few forums and they advise to check the credit status with CTOS and CCRIS.
My status with CTOS was :

SECTION A - IDENTITY NUMBER VERIFICATION
--- No Data Available Here ---
SECTION B - INTERNAL LIST/GROUP EXPOSURE
--- No Data Available Here ---
SECTION C DIRECTORSHIPS AND BUSINESS INTERESTS
--- No Data Available Here ---
SECTION D
--- No Data Available Here ---
SECTION E - TRADE REFEREES & SUBJECT'S COMMENTS
The following referees may provide trade references, on you or companies or businesses which you are or were once associated with, based on their past experience. These references are given independently, directly and voluntarily by the referees to those who may request for their reference. CTOS does not process any information provided by the referee(s).
If you like to know about the information held by the referee about you, please contact them directly.
1. REFEREE : P1.COM SDN BHD
INCORPORATION DATE : 18-04-2007
NATURE OF BUSINESS : TO CARRY ON GENERAL TRADING OF TELECOMMUNICATION PRODUCTS
ADDRESS : PACKET HUB,159,JLN TEMPLER,PETA.LING JAYA,SEL

Note : P1 service is suck at my area and I never missed the payment every month.Using P1 service for 2 years and since there are no improvement after few complaints were made, I decided to cancel the service and they wanted to charge me because I have 5 months left for the second contract.f*** that shit.I just stop using it and automatically switched it to UNIFI.Less haywire smile.gif

Since I have no time to go to bank Negara to get my CCRIS report, I am not sure if I've bad credit status (kinda worried tho) sad.gif

I have no housing loan (staying at my family's house) no car commitment as I bought it cash on last 2009 and another car was in 2012.

I have no idea why Maybank didn't approve my loan.

and oh ya, I am actually working on one year contract basis (renewable for every 1 year) in my current company for almost 3 years already.

Someone please advise me which bank should I go to apply the loan with low interest rate as I need the money to pursue my study. The loan amount that I need is RM50k. :''(

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Hi guys,

currently I need some advise and opinion from those who had any experience about personal loan for private sector worker like me.

Last week, I have applied the personal loan with Maybank (how much u put for max and min this PL. Try to revise it)and only today I found out it was rejected (No reason why they are rejected are provided of course).

Fyi, I am working with an IT company with gross income of RM4475.00++. (normaly they need also BE form)I have maybank dual credit card (Mastercard + Amex) which I never miss the payment every month (which I only pay the minimum payment) (best is do not pay the min amount) I also have AEON loan for electronic device which I never missed the payment.The loan amount with AEON is around RM3000.Previously, I've settled with my first loan with AEON (around RM1400 + RM3800).

Last few days ago, I did browse through few forums and they advise to check the credit status with CTOS and CCRIS.
My status with CTOS was :

SECTION A - IDENTITY NUMBER VERIFICATION
--- No Data Available Here ---
SECTION B - INTERNAL LIST/GROUP EXPOSURE
--- No Data Available Here ---
SECTION C DIRECTORSHIPS AND BUSINESS INTERESTS
--- No Data Available Here ---
SECTION D
--- No Data Available Here ---
SECTION E - TRADE REFEREES & SUBJECT'S COMMENTS
The following referees may provide trade references, on you or companies or businesses which you are or were once associated with, based on their past experience. These references are given independently, directly and voluntarily by the referees to those who may request for their reference. CTOS does not process any information provided by the referee(s).
If you like to know about the information held by the referee about you, please contact them directly.
1. REFEREE : P1.COM SDN BHD
INCORPORATION DATE : 18-04-2007
NATURE OF BUSINESS : TO CARRY ON GENERAL TRADING OF TELECOMMUNICATION PRODUCTS
ADDRESS : PACKET HUB,159,JLN TEMPLER,PETA.LING JAYA,SEL (this would be bankers olso look)

Note : P1 service is suck at my area and I never missed the payment every month.Using P1 service for 2 years and since there are no improvement after few complaints were made, I decided to cancel the service and they wanted to charge me because I have 5 months left for the second contract.f*** that shit.I just stop using it and automatically switched it to UNIFI.Less haywire smile.gif

Since I have no time to go to bank Negara to get my CCRIS report, (my opinion, get it via mail,after 3 days it will sent to u then u can know where ur list are) (probably P1 olso in CCRIS, who knows kan)  I am not sure if I've bad credit status (kinda worried tho) sad.gif

I have no housing loan (staying at my family's house) no car commitment as I bought it cash on last 2009 and another car was in 2012.

I have no idea why Maybank didn't approve my loan. (look another branch target, dun give up)

and oh ya, I am actually working on one year contract basis (if your pl tenure requested for 1 year, they will consider. over than contract basis  look dificult. they need permanent. but if u have any saving fund like ASB AS1m etc, u can submit with that olso) (renewable for every 1 year) in my current company for almost 3 years already.

Someone please advise me which bank should I go to apply the loan with low interest rate as I need the money to pursue my study (u can use epf acc 2) . The loan amount that I need is RM50k. :''(

icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif icon_question.gif

Citibank called me a few times already offering rm30k @ 3.66%(pa) for 3 years. Is this a good deal?

Maybe use this loan to buy some high interest share that gives about 6% dividend per year, minus the price appreciation.

Nelanga, you applied which bank?

Maybank islamic loan, 7% per anum for 3 years.
--------------------------------------
RM150k in 3 year http://brunialamira.blogspot.com

wonder any p.loan allowed 30k loan for 7 year for income which basic + allowance around RM2400

Oh Maybank. Your salary must be RM3k or above. 

is asb loan considered a personal loan? because i have opened as asb account last march and now trying to get the real personal loan but got rejected from a few banks dont know what the reasons are. Currently my salary is 2.5k and i have a 30k asb loan and 1 cc. When do you guys think is the good time to re apply personal loan.

tq

but still miskin lor.. after deduct epf,pcb only left 2k plus 
tax need to pay,but br1im not aproved 

i do PL for my own plan 

Personal loan for study purpose.
Could you tell me more about it?
Can I use house mortgage to extend the personal loan quantity during assessment?
Or, may not do like that. Only may apply separately, can not mix with each other?

self employed
no income doc
got ceedit card more than a yr without late payment
dont have any commitment
so can get?

hye guys,
What are the best among both Bank Rakyat vs Bank Islam for personal Loan for private sector worker? please advice...
FYI, i have currently rm50k personal financing with Bank Islam with tenure of 10years. now in the midst of to overlap in bank islam or to do settlement using bank rakyat.

i am providing a new personal loan plan by MBSB, providing lower interest rate for the private sector worker.
PM me for more details.