halo. am new to personal loan. just took out a 3 years personal loan with bank rakyat. and boy did i screwed up (or did i), forgot to ask thoroughly the loan and just found out that it uses a floating rate.

at 1st i sign up i only look up on the 2.36 interest. but since it is floating, it can be raised up to 4.5 percent max.

the monthly payment is still based on the 2.36 interest rate, but the outstanding balance show at my account is based on the 4.5 interest max..

so am i screwed? (last2 pay up 4.5 interest, if the interest do change to that figure though)

I applied rhb two weeks ago and got apporoved for 15k 5years. Then suddenly today aeon approved my loan. Being applied before rhb. Dont know how much they give. Possible to take take loan? Coz currently i'm helping my parents for haji. Me and my brother 10k per person. But my brother all application got rejected but got approved one by ocbc which will cost him 15% interest rate. Should i take or can i take aeon loan? Is it posible to have 2 pl at same time?

As long they approved, u can take. more than 10 pl also not a problem, as long they approved & u can pay.

Seriously, i'm speechless. You're taking loan so that your parents can go perform Haj? May god make life easier for u and ur family. Being good to your parent as much as u can, its easier said that done bro....i'm not really as good as u. Nway u have a good heart, keep it up.

Just keep in mind, dont make that PL ruin your life...manage your finance wisely.

Loan sales worker who is throwing flyers in PJ area please pm me. Thanks

Hi, guys. Appreciate if anyone could advise me on my 1st PL application.

Briefly, I'm earning ~rm38k per year beginning this year Jan 2013. I've an Aeon Express account (bought washing machine & fridge last year, have another <rm500 left to settle soon ).. and have car loan approved by maybank in April ~rm57k. Both of these commitments paid earlier than due date, never missed at all.

Yesterday morning, I applied the Aeon PL for rm15k for 3years (~rm540 monthly at 0.84% rate). Since I'm already a member and have good record, this morning got an sms from them stated my loan approved and require my bank book, IC etc. So fast! So, I called them to confirm appointment time, but sadly they approved only rm5k. Is it normal for not getting the amount requested? They said I have high commitments. Gotta see them tomorrow for further details..

I don't have ptptn, never applied any loans other than the two things mentioned above. Am I missing something here, or should I go for another bank? Salary bank is rhb, CC is uob.

We can only have bank Negara to blame. With the new ruling on personal loan, banks are required to observe debt service ratio, therefore, they are getting more stringent.

Mbsb open for private sector ?

Yes.. MBSB now open for private sector...

what is private sector?
and is opening cafe considered as private sector?

yup.
private sector = employee / self employed

sdn bhd, enterprise, trading all can apply

Yeah but to those who earn RM3k per month can apply.

hello all,

wat is the best personal loan rate currently? for private sector.

i already go to rhb easy to enquiry personal loan 12k and they approve within 1 hour. but they rate is 11%. trying to find other option here...

maybank?
mbsb?
bank rakyat?
ocbc?

anymore with gud rate or any agent herE?

How to apply? what is the requirement ? refer ccriss ? high commitment ?

Hi.

recently i get a loan from ocbc bank. 20k rate is 8.8% for 2years.
the banker say the loan amt and rate is base on income.
u can try to apply from ocbc.

Loan approved by Bank Rakyat earlier today, they want me to submit EA form. But i never got one. Ask from HR, deng so simple only the form, just fill in salary, allowances and EPF deduction. Is that it for EA? no need to endorsed by LHDN? btw my salary below 3k. tq

Looking for personal loan of 50,000k.
any bankers here pls pm me asap. thanks

Just request frm your HR will do, 2012 ea...no need endorsed by lhdn

Hi.. Can i ask.. I recently have been approved for loan..How long till i get the money??

aiyooo now the banks wants BE form.. How to do? anybody? loan already approved but they still wanted this form before disbursing the loan. help!!