Try to meet a bankers f2f and negotiate w them . However if you're blacklisted, I guess there's no chance at all . That's what I know . Maybe some of forumer here can help you out.

Blacklisted under bank facilities ?

U need to settle your blacklist facilities along with release letter frm particular bank to apply for p.loan.
If not u just wasting time.

You are looking for 50k but you also want to clear your personal loan. So what you exactly trying to achieve ?

Instead of paying 3-4 banks how about only 1 bank instead ?

Means that I need to clear all my debt which is under bank only can apply bank loan such as personal loan,mortgage etc??
If i settle month by month from now onwards will they release it?
If CC debt can it be installment ?

This post has been edited by ++obsidian destroyer ++: Dec 20 2013, 06:25 AM

cc debt got two choice :-
1) nego with bank. yes they do offer to convert current cc outstanding into loan
2) join AKPK program ( during the program cannot do any loan until u exit the program )

hi, my soon to be wife stupidly make a personal loan of rm10000, without telling me, and she/we dont even need the money, her reason is she afraid she will need the money, which is a stupid reason as i have 100k in saving, she have 20k, not like she urgently need the money, so bodoh2 bayar interest now.

i scolded her just now, why make this without telling me.

so now, before paying much interest, i want to know how much need to pay if do early settlement? loan 10k at bank islam....

women really stupid la...

Debt no need to clear all to apply for others loan facility.

But if u have blacklisted facilities with the bank, u need to clear off the blacklisted facilities first.

Call up to customer services, ask for full early settlement figure and is there any lock down period. Prepare cash / bankdraft, drop by to the nearest branch and pay for it.

Early settlement penalty should be around 3% or more or less.

Is thr any loan firm in ipoh area.
Legal 1....not loan shark....
10-15k...pay out by 3-4 years.
Leave a msg here if any1 noe...tqtq

Bro, need your opinion. Just working 3months, salary 2500, under contract, commitment car loan monthly 5xx. Eligible for personal loan? Any suggestion? Need around 8k.

if really how to clear it ofF?

can kawtim for p.loan..need 15k p.loan..anyone can help..

Any legal loan firm in ipoh.
Need 15k and installment by 5 year.(60 months)
Drop a msg here if noe.tqvm.

This post has been edited by life4: Jan 22 2014, 09:24 AM

My 25K loan has been approved. My background CCRIS isnt so bad I guess, between 1-2-2-1 blablabla . I clear out every lapse before applying.

I got a personal cheque opened by me bounce.
Reason bounce: I deposit money before 12pm into my cheque account on the same day the cheque has been deposited by the other party. The cheque should be processed the next day since it is deposited after 12pm. Unfortunately, cheque deposit machine works much faster, it was cleared the next day on 1am. But when I checked with my bank, my money was indeed deposited and inside the account, it is just that it will be available the next day. OMG.

What happen now is, with a personal cheque bounced, will my future loan approval become a hassle?

If you have a savings account with citibank then you can access it to view and check your balance. But it's after you have collected your money. Unless you specify to deposit into another bank account then you need to create login with Citibank or based on your ploan account can create login id I guess.
I did pm u asking bout details bout citibank hope u dun mind.

Hi just curious. when bank say need gross income of 30k per annum does it include bonus? or the salary only?

I'm working in private sector with monthly salary >2k/month but I'm in contract which get renewal every year. Got no CC but still have loan for car which I haven't got problem paying every month. Is it possible to get PL for say Rm10k?

I've use this table to compare PL loans between each bank and interested with Bank Islam and Ambank, any review for this 2 banks?
https://ringgitplus.com/en/personal-loan/