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

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JohnPaleo
post Dec 3 2013, 03:25 PM

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QUOTE(matonline247 @ Dec 3 2013, 12:35 PM)
why not ler just apply to find out..by asking here also will not help ler bang..wedding cost 30K??!!! is it worth it? later cannot bayar balik how? if x der budget might as well buat smaller wedding dinner ler..
dah try but kena reject...CRIS x cantek..tapi mmg cepat dpt result..lebik kurang 45 mins ajer...no harm to try out la if desperate utk $$$
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ye la i ask coz wanna know history and wanna ask if case like mine easy or not.. coz i juz started work 1 month, usually to apply need 3 months payslip rite.. sumtg like dat
Ken_HP
post Dec 3 2013, 08:15 PM

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QUOTE(JohnPaleo @ Dec 3 2013, 03:25 PM)
ye la i ask coz wanna know history and wanna ask if case like mine easy or not.. coz i juz started work 1 month, usually to apply need 3 months payslip rite.. sumtg like dat
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If under permanent staff just attach with offer letter, 1 month payslip and bank statement showing salary credited.
If probation just forget about it.
vmadone
post Dec 5 2013, 01:47 PM

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QUOTE(matonline247 @ Dec 3 2013, 12:35 PM)
why not ler just apply to find out..by asking here also will not help ler bang..wedding cost 30K??!!! is it worth it? later cannot bayar balik how? if x der budget might as well buat smaller wedding dinner ler..
dah try but kena reject...CRIS x cantek..tapi mmg cepat dpt result..lebik kurang 45 mins ajer...no harm to try out la if desperate utk $$$
*
Hi matononline247, why your result so cepat? I need to wait for more than 2 weeks and called up the officer and tetibe jer rejected. cry.gif
vmadone
post Dec 5 2013, 02:58 PM

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It was quite disappointing when you have waited for more than 2 weeks and called up your agent and he/she didn't picked up and it ended with a " rejected ".
kurt_maisu
post Dec 5 2013, 03:43 PM

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anyone can offer PL ?

i already got 6k from rhb
16k from BSN
9k credit card citibank
4k eash credit citibank
joint housing loan from BSN

i try applying loan from citibank and also alliance but failed. i also try aeon but also failed

the reason they give credit card problem ( i'm under akpk before this ) but already clear. all loan above were done after i clear up everything

check with ccris show nothing..
sonerin
post Dec 5 2013, 10:10 PM

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QUOTE(JohnPaleo @ Dec 3 2013, 03:25 PM)
ye la i ask coz wanna know history and wanna ask if case like mine easy or not.. coz i juz started work 1 month, usually to apply need 3 months payslip rite.. sumtg like dat
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Better don't try. If not enough budget can set a smaller wedding. Is not wise to get into debt because of wedding.
Ken_HP
post Dec 5 2013, 10:13 PM

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QUOTE(vmadone @ Dec 5 2013, 01:47 PM)
Hi matononline247, why your result so cepat? I need to wait for more than 2 weeks and called up the officer and tetibe jer rejected.  cry.gif
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Actually first stage eligibility checking for ccris, ctos, scoring & commitment can know within 5mins. Just a few clicks, type in client full name and ic only.

But you have to make sure the officer is available to key in for u smile.gif

anyone interested to check for eligibility can drop me a pm, just full name, income figure & ic. As i promise maximum i take 1 hour or less* but make sure u call on the right time, office hour.

cheers biggrin.gif
vmadone
post Dec 6 2013, 08:45 AM

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QUOTE(Ken_HP @ Dec 5 2013, 10:13 PM)
Actually first stage eligibility checking for ccris, ctos, scoring & commitment can know within 5mins. Just a few clicks, type in client full name and ic only.

But you have to make sure the officer is available to key in for u  smile.gif

anyone interested to check for eligibility can drop me a pm, just full name, income figure & ic. As i promise maximum i take 1 hour or less*  but make sure u call on the right time, office hour.

cheers  biggrin.gif
*
Hello Mr Ken, yeah I have sent the particulars through your personal number. Thank you very much!
insane.kill
post Dec 6 2013, 07:49 PM

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QUOTE(matonline247 @ Dec 3 2013, 12:35 PM)
why not ler just apply to find out..by asking here also will not help ler bang..wedding cost 30K??!!! is it worth it? later cannot bayar balik how? if x der budget might as well buat smaller wedding dinner ler..
dah try but kena reject...CRIS x cantek..tapi mmg cepat dpt result..lebik kurang 45 mins ajer...no harm to try out la if desperate utk $$$
*
which branch citibank you apply bro?
rizal13
post Dec 6 2013, 08:27 PM

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QUOTE(andyyaosmurf @ Dec 6 2013, 12:39 AM)
Some times.. like in wedding... i have friend get personal loan... although get into debt. but he have a happy life...
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Different person got different story, if it turn well then that's good la but if it become worse better avoid it now if u can. Life is unpredictable, better plan with what u have not what u want to have... Life after married is just the beginning so no point waste all your hard earn money + loan for few days... It will effect you for many years.. But in the end, its your call. It's your life bro...do what u think best for u.. thumbup.gif
Elizabeth Tee
post Dec 7 2013, 02:47 PM

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QUOTE(andyyaosmurf @ Nov 26 2013, 01:00 PM)
do that means that is no way to get guanrator like housing and car loan like tat
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Yup...
anonymous5913
post Dec 9 2013, 08:23 AM

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QUOTE(Ken_HP @ Dec 5 2013, 10:13 PM)
Actually first stage eligibility checking for ccris, ctos, scoring & commitment can know within 5mins. Just a few clicks, type in client full name and ic only.

But you have to make sure the officer is available to key in for u  smile.gif

anyone interested to check for eligibility can drop me a pm, just full name, income figure & ic. As i promise maximum i take 1 hour or less*  but make sure u call on the right time, office hour.

cheers  biggrin.gif
*
Hi Ken, I want to check also.. pm me..

This post has been edited by anonymous5913: Dec 9 2013, 08:31 AM
anonymous5913
post Dec 9 2013, 09:24 PM

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QUOTE(Elizabeth Tee @ Dec 9 2013, 03:35 PM)
1)Name : Eliane
2)From : Bank Adviser with 8 panel bank
5)Location  : Klang Valley / Johor / Perak / Penang / Kedah
6)Product: Personal loan / Business Loan & Credit Card / Mortgage Loan / Refinance / Top Up Loan / Repayment
7)Checklist Doc Required : PM
8)Qualification:Min RM2000 Income
9)Remark :income not enough, high risk customer,commitment higher

We are helping customer to get pre-approved except ccris not good (2,3) /ctos blacklist issue
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Hi Elizabeth,
what do you means by ccris not good(2,3)?

example latest 6 months ccris is 0 but before is got 2,3 consider not good? like

0 0 0 0 0 0 1 2 3 2 3 is still not good?
Ken_HP
post Dec 9 2013, 10:08 PM

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QUOTE(anonymous5913 @ Dec 9 2013, 09:24 PM)
Hi Elizabeth,
what do you means by ccris not good(2,3)?

example latest 6 months ccris is 0 but before is got 2,3 consider not good? like

0 0 0 0 0 0 1 2 3 2 3 is still not good?
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2 ,3 means late payment for 2 months and 3 months.

Some bank review frm latest 6 months ccris, some review frm 12 months.
1 month late payment it's not a problem, 2 would be 50-50, 3 months confirm reject.
anonymous5913
post Dec 9 2013, 10:17 PM

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QUOTE(Ken_HP @ Dec 9 2013, 10:08 PM)
2 ,3 means late payment for 2 months and 3 months.

Some bank review frm latest 6 months ccris, some review frm 12 months.
1 month late payment it's not a problem, 2 would be 50-50, 3 months confirm reject.
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which bank review 6 moths only...do u know?
vmadone
post Dec 10 2013, 10:40 AM

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I think most of the banks are looking into 12 months report. Hurm.
salimbest83
post Dec 10 2013, 12:59 PM

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help. i think im in deep sh** rite now.
i just got m2u asb loan approved.
@1174 per month.
then the bank rakyat told me that im already at 59% of my payslip.
cannot get any loan anymore... until i finish my asb

any advice on this
anonymous5913
post Dec 10 2013, 04:33 PM

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QUOTE(vmadone @ Dec 10 2013, 10:40 AM)
I think most of the banks are looking into 12 months report. Hurm.
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oh no...need to wait again.....
vmadone
post Dec 10 2013, 08:35 PM

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QUOTE(anonymous5913 @ Dec 10 2013, 04:33 PM)
oh no...need to wait again.....
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Ya same goes to me. sad.gif
rekaito90
post Dec 11 2013, 10:19 AM

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Any bank rakyat agent here? I need help to apply for personal loan.

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