try HSBC, not HL.... dont waste time....credit card mayb HL will do

---

Added on September 25, 2011, 1:19 amfor gov/glc/listed company

---

Added on September 25, 2011, 1:20 am8.88% 30k from alliance bank? do u want?

This post has been edited by kenshin1: Sep 25 2011, 01:20 AM

Would like to apply PL due to some personal issue. wonder how's the approval rate will be.

about a year ago, there are some late payment issue in my car loan an PL. However, those loan had been settled on time. will this iccident take in consideration during loan process?

currently no any loan holding on hand beside CC with CL 7k. Been apply for cc from other bank recently but rejected, reason is I am holding 2 cc. The real fact is only 1 bank CC is holding, another bank CC had been cancelled years ago but with little credit inside (bank owe me $$$) cause I pay a little bit more that time. Will this affected my loan application?

Also, any bank offer good rate in PL? i need ard 8-10k with repayment period of 36months. my salary is rm3k with allowance.

any banker there please pm me. thank you.

This post has been edited by Sp1cega1: Sep 25 2011, 09:37 AM

best rate for u .. alliance 8.88%.....no other lower....max 2cc for 3k income...sep 2010 or earlier? if earlier will b no prob...

wat early then sep 2010? the cc or the loan issue? loan issue had happened in year 2009. No need CC la...

how to apply the alliance PL? can apply online?

can apply thru me.. im a direct banker from alliance bank... just pm me ur email...i email u the form...i prepare, cross ur doc, scan and email back...within 10min, i can let u knw the result n how much recommanded....if u agree, i will proceed it to HQ..very simple and easy....if u dont agree, i just leave it...

thanks for advice. Went hsbc today, the account manager told me that without any commitment shall difficult to get loan ( clean ccris). Btw, just try it for no harm. Take a week to prossess.

the last resort may be RHB or UOB???

This post has been edited by erictan26: Sep 26 2011, 12:07 PM

I don't know if this thread are the right place for me to know the answer. I have a problem with personal loan. Since i can't pay and now I receive the letter from court action. For information, i make a loan with RHB about rm 9000. So what should i do?if i don't attend the court, will i get arrested or what?i'm really scared..plzz help me

Hi guys,

I tried to apply for PL from RHB easy but got rejected. I think it was because some of my cc payments late. Any other places that I can apply?

Just noticed HL offer 6.99% but amount abit lower. Not decise yet.. need to do more survey and analyse 1st. Anycone know about Al-rajhi bank? I hear it is 7.5% with 1.5% rebate....

Kenshin1, let me consider 1st, i will contact you later.

Im asking this for a friend who wants to take a personal loan of RM 100K. Which bank provides the best rates? I dont want bankers messaging me telling me their package is the best as im not the one taking the loan. Appreciate neutral comments or suggestions. I dont really have time to read thru all posts, so if someone can just point me in the right direction, it would be greatly appreciated. Cheers!

rej in advance

---

Added on September 27, 2011, 2:22 amcourt =>>> get sued.... then officially blacklisted.......>25k will b bankrupcy.....

nothing special... no one will arrest u ....just watever u wanna apply with bank = rejection

---

Added on September 27, 2011, 2:24 ami dnt knw how to reply...
but can he/she qualified for 100k =.=?....
self-emp? salary?
salary got 20k?highest credit card limit got 50k? income tax claim 5k above? company bank statement mothly turnover gor 200k above?

This post has been edited by kenshin1: Sep 27 2011, 02:24 AM

reject in advance?why would you say that? last time my akpk restructure do not involve RHB bank at all, will they still know about it or because my ccris is clean?

thanks

let say if u owe bank A rm10k and bank B rm20k.if u never pay to this 2 bank then they can declare u bankrupcy?

let say if i already have PL( max. amount possible ie 3, 5x gross salary) is it possible if i apply another PL?

YES

---

Added on September 27, 2011, 3:53 pmI DONT UNDERSTAND WAT U R TALKING.. COULD SPEAK IN DETAILS ....KINDA CONFUSE...

---

Added on September 27, 2011, 3:53 pmYES, POSSIBLE... LIMIT UNTIL 80% OF UR GROSS

This post has been edited by kenshin1: Sep 27 2011, 03:53 PM

80% from gross? does it mean total for monthly installment cannot exceed 80% gross ? or loan apply cannot more than 80% from annual income?

This post has been edited by h4dRi: Sep 27 2011, 04:12 PM

you reply me reject in advance for HL and Rhb, so i may curious why you so sure about that. Years ago my akpk debt management do not involve RHB bank at all, so my question is will they still know about it or only those bank that involve will notice that i do join akpk before?

total for monthly installment cannot exceed 80% gross
CARD OUTSTANDING WILL TAKE MIN 5% AS MIN MOTHLY INSTALLMENT

---

Added on September 27, 2011, 4:48 pmCOS UR CCRIS EMPTY..... APPLYING PLOAN, AT LEAST SHLD HV A CARD MIN 1YEAR...... BUT FOR ALLIANCE & RHB, IF U DONT HV CARD, SHLD HV CAR/HOUSE/ASB ATLEASE 1 YEAR....Y I AM SURE, COS IM STUDIED...BEING A BANKER,SHLD GET INFO AND FIGHT WITH COMPETITOR...

AFTER SETTLE, SHLD WAIT FOR 1 YEAR....CCRIS AUTOMATICALLY REMOVE...LIKE MOVING FORWARD.... BUT FOR THE BANK U HAD AKPK... MAYB IS A INTERNAL BLACKLIST (DIFF BANKS, DIFF POLICY)

This post has been edited by kenshin1: Sep 27 2011, 04:48 PM

thanks, so just wait for hsbc reply........just give out uob/rhb

If my gross salary around rm2100, what the max amount I can borrow? I have no cc...