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

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daus89
post Jan 24 2014, 09:10 AM

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any1 here can help me regarding personal loan for gov worker?
pm me,i have a few questions to ask and might interested to apply pl
dionharper
post Jan 24 2014, 04:40 PM

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Guys...try visiting this site: www.ringgitplus.my - they give you loan comparisons.

Try also savemoney.my biggrin.gif

aezad87
post Jan 24 2014, 10:31 PM

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Loan noob here..

wanna ask.. Why total monthly payment eg: 10 years is not the same with sales Price?
lamode
post Jan 24 2014, 11:22 PM

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QUOTE(aezad87 @ Jan 24 2014, 10:31 PM)
Loan noob here..

wanna ask.. Why total monthly payment eg: 10 years is not the same with sales Price?
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interest?
Ken_HP
post Jan 25 2014, 01:54 PM

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QUOTE(thenoobone @ Jan 24 2014, 07:54 AM)
is it possible for someone who is doing online business to do personal loan?
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If u got register for ssm, yes u can and of course must be support with income documents. Such as company bank statement / epf or income tax either one.
thenoobone
post Jan 25 2014, 03:18 PM

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QUOTE(Ken_HP @ Jan 25 2014, 01:54 PM)
If u got register for ssm, yes u can and of course must be support with income documents. Such as company bank statement / epf or income tax either one.
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Been doing business close to 1 and 1/2year

Problem is SSM havent reach 1 year based on registration date.

I dont pay income tax either

Eng_Tat
post Jan 26 2014, 03:04 PM

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any one can advise how much my friend can still borrow,
salary nett 4.1k, gov servant, commitment - only 4 house loan total 3315.
soulknight
post Jan 28 2014, 02:58 PM

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can anyone suggest to me where can I get a personal loan for amount of 3000 fast? I'm purchasing a motorcycle but the loan only cover up to 75% only. I need to fork out the rest of the money so that that I can get my bike. I'm getting a bike due to the reason of cutting my car travel expense costs.
thenoobone
post Jan 28 2014, 05:05 PM

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QUOTE(melonlicious @ Jan 28 2014, 04:33 PM)
There are some bank that doesn't need document to support but i think they will check on your bank records and also loan that you currently have before approving it. Myself is an entrepreneur, banks has been calling me to get personal loan and i kept telling them "NO" because i am not working for anyone. They said they can verify from the phone call can already.

That's how i know
for imoney or ringgitplus... u will see a lot of fast approving loan, some take a week, some a few days..i saw citibank on the same day with cash out... ok mar
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u applied for any loan before>
Ken_HP
post Jan 28 2014, 08:53 PM

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QUOTE(soulknight @ Jan 28 2014, 02:58 PM)
can anyone suggest to me where can I get a personal loan for amount of 3000 fast? I'm purchasing a motorcycle but the loan only cover up to 75% only. I need to fork out the rest of the money so that that I can get my bike. I'm getting a bike due to the reason of cutting my car travel expense costs.
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aeon or rhb easy...but interest rate sky high around 11%-13% ++
cdspins
post Jan 29 2014, 09:10 AM

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QUOTE(Eng_Tat @ Jan 26 2014, 03:04 PM)
any one can advise how much my friend can still borrow,
salary nett 4.1k, gov servant, commitment - only 4 house loan total 3315.
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Wow I don't think will able to secure any more loan. 3315 of 4000 is like >80% of income. I don't know if there is other loan such as hire purchase but generally will not approved unless, the house provides rental income which your friend will need to submit documents of these additional income
sicklad77
post Jan 30 2014, 10:37 AM

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Hello there. ..
Noob question, if I apply personal loan today and next week I apply for a housing loan with other bank. Will the Ccris report shows that I have a personal loan already or the other bank will only see it after the next month?
barneysteinsson
post Feb 1 2014, 03:29 AM

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QUOTE(sicklad77 @ Jan 30 2014, 10:37 AM)
Hello there. ..
Noob question, if I apply personal loan today and next week I apply for a housing loan with other bank. Will the Ccris report shows that I have a personal loan already or the other bank will only see it after the next month?
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any loan status, be it pending, approved and rejected should be shown on your ccris report biggrin.gif
sicklad77
post Feb 1 2014, 03:47 AM

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Really? I thought Ccris report only updated every 15th of the month? I guess I might be wrong then
barneysteinsson
post Feb 1 2014, 04:00 AM

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QUOTE(sicklad77 @ Feb 1 2014, 03:47 AM)
Really? I thought Ccris report only updated every 15th of the month? I guess I might be wrong then
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any credit facilities applied should be shown on your ccris. but u could tell them that u dont want that loan biggrin.gif
M3L7991
post Feb 1 2014, 09:53 PM

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Hey guys,just want to ask..

Inneed of urgent money now..already have pl with bsn for 20yrs (90k) and used it for personal matter..also got easy rhb loan (last payment would be on Jan 2015)..

Need to fork out some money urgently due to something personal..can i overlapping the RHB easy one? Coz to overlap the bsn will take time (summore the repayment will be shorter = high repayment)

I got 1 cc with outstanding..a car with 740 monthly..

Every loan paid on time..only car last month late 1 week due to outstation..gross salary is 4k++..

Can i be approved by easy rhb?want to overlap coz i want to clear the cc n reduce monthly commitment..summore it fast and no need certified from my boss..
M3L7991
post Feb 1 2014, 09:54 PM

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Forget to tell,i also want to make a full settlement within 6 month..now really inneed of money..please someone help me..
freitao49
post Feb 3 2014, 03:47 PM

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hi im currently fresh grad , have been
working for 6 month (contract)
looking for 10 K loan willing to pay up to 4 years
my salary is 2400
. doesnt do any loan before this ? which loan/bank is suitable for me, i need money within 1 month for personal use.
enkil
post Feb 6 2014, 01:45 PM

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Now bank very strict.
felixwang
post Feb 6 2014, 02:01 PM

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QUOTE(freitao49 @ Feb 3 2014, 03:47 PM)
hi im currently fresh grad , have been
working for 6 month (contract)
looking for 10 K loan willing to pay up to 4 years
my salary is 2400
. doesnt do any loan before this ? which loan/bank is suitable for me, i need money within 1 month for personal use.
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Contractual basis work is not an issue. However, since your loan is for personal use, the only option left for you to resort to personal loan application with high interest rate.

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