Personal Loan - V2, which banks offer the best deal?
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 Apr 16 2014, 11:52 AM
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Junior Member
11 posts Joined: Oct 2007 
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I need all sifus advise
I was under AKPK and was release 2 months ago, i had my personal loan from Hong Leong settle recently. Do i still applicable to apply personal loan for medical purpose? I tried to apply thru OCBC and got rejected and it says it was the Hong Leong Bank have not updated the ccris report, but i have the settlement letter with me. Is it possible to apply? Thanks in advance |
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Apr 17 2014, 01:04 AM
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Junior Member
59 posts Joined: Dec 2009
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QUOTE(adrianfej @ Apr 16 2014, 11:52 AM) I need all sifus advise I have the same situation too last time. U need to wait at least 6 mth or preferable after one year eventhough u have the settlement letter.I was under AKPK and was release 2 months ago, i had my personal loan from Hong Leong settle recently. Do i still applicable to apply personal loan for medical purpose? I tried to apply thru OCBC and got rejected and it says it was the Hong Leong Bank have not updated the ccris report, but i have the settlement letter with me. Is it possible to apply? Thanks in advance  |
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Apr 17 2014, 07:31 AM
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Junior Member
55 posts Joined: Mar 2010
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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. hi bro, can we know which bank putting on ctos/ccris?But you have to make sure the officer is available to key in for u  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  thanks |
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Apr 17 2014, 01:27 PM
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Junior Member
117 posts Joined: Oct 2011 
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QUOTE(adrianfej @ Apr 16 2014, 11:52 AM) I need all sifus advise Hi, normally you will need to wait at least 3 months cooling off period before you can apply again.I was under AKPK and was release 2 months ago, i had my personal loan from Hong Leong settle recently. Do i still applicable to apply personal loan for medical purpose? I tried to apply thru OCBC and got rejected and it says it was the Hong Leong Bank have not updated the ccris report, but i have the settlement letter with me. Is it possible to apply? Thanks in advance But I suggest you go to BNM to print your CCRIS to have a look at it first. |
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Apr 18 2014, 01:51 AM
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Junior Member
167 posts Joined: Jul 2008 
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hye ~ currently which bank offer the best for personal loan? i wanna make loan rm30k ~
thanks |
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Apr 18 2014, 01:58 AM
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Senior Member
2,714 posts Joined: May 2008
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If you are holding citibank credit card... they are offering loan with one time charges of 3% for up to 90% of your credit card limit for a instalment plan of 12 months...
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Apr 18 2014, 10:23 PM
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Junior Member
117 posts Joined: Oct 2011
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QUOTE(mr.hikano @ Apr 18 2014, 01:51 AM) hye ~ currently which bank offer the best for personal loan? i wanna make loan rm30k ~ What is your monthly gross salary now? I will be able to advise you on my Bank's rate based on your basic salary.thanks |
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Apr 19 2014, 12:34 AM
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Junior Member
34 posts Joined: Aug 2009
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My gross income RM2840, is it possible to apply personal loan around rm13k-15k? Currently have personal loan with rhb easy which will settle next month(1 year period). CC already used around 8 month with no outstanding every month
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Apr 23 2014, 09:48 AM
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Senior Member
1,262 posts Joined: Oct 2009
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QUOTE(Zuyee88 @ Apr 18 2014, 10:23 PM) What is your monthly gross salary now? I will be able to advise you on my Bank's rate based on your basic salary. hello.. my basic salary is rm2,600 (NOT net salary).. would u recommend any bank that offers the best financing to buy a bike pls? |
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Apr 24 2014, 08:10 AM
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Junior Member
204 posts Joined: Aug 2011
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hi ...
anyone know about fastloankl.. http://www.fastloankl.com i afraid it like ahlong@money lender. i think this is last choice for me because i try other bank ..all reject bcoz ccris record bad. they said bcoz i pay loan late. so i need a money to fix my car engine ASAP. any one can advice how can person like me to apply loan for example Rm5k ? |
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 Apr 24 2014, 02:57 PM
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Junior Member
117 posts Joined: Oct 2011
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QUOTE(harizdesu @ Apr 23 2014, 09:48 AM) hello.. my basic salary is rm2,600 (NOT net salary).. would u recommend any bank that offers the best financing to buy a bike pls? Al Rajhi Bank does have a superbike financing that offers competitive rate as low as 3.20%p.a flat rate. For full terms and conditions, visit the website www.alrajhibank.com.my |
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Apr 28 2014, 02:42 AM
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Junior Member
146 posts Joined: Mar 2013
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i'm planning to apply for a PL of 20-25k, 2 years tenure max and also plan to settle it a bit earlier. my gross salary is 4.5k and i have an rm1330 house commitment only. i believe i dont have any ccris problem.which banks currently offer the best rate?any sifus can help? thanks in advance!
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Apr 29 2014, 10:08 AM
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Senior Member
4,735 posts Joined: Feb 2010 From: ★~Starlight~★
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lowest interest rate for government staff how much? which bank?
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Apr 29 2014, 05:42 PM
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Junior Member
226 posts Joined: Nov 2010
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Hello bankers, intending to apply up to RM100k loan for biz. Pm me details please and I will provide necessary info.
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Apr 30 2014, 12:45 PM
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Junior Member
331 posts Joined: Feb 2008
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Looking for a PL. Anybody can assist me?
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May 2 2014, 08:21 PM
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Senior Member
1,350 posts Joined: Nov 2004 From: HEAVEN & HELL
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looking for 10k above personal loan for any banks.. but must confirm approve type!
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May 5 2014, 05:48 PM
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Junior Member
103 posts Joined: Aug 2009 From: KL
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QUOTE(andyyaosmurf @ May 5 2014, 04:13 PM) my friend is asking for some advice ... last time about many year ago.. he is actually a bad pay master for his car loan.. but after so many year... he had settle with the bank.. in another words - he didnot owe bank a single cents... If your friend already settled with the bank regarding the previous owing, he should be able to get letter of release from the respective banks in regards of the complete payments. Do try to attach the letter of release alongside with his application of loan to maybe raise the chances of approval, but still it is still subject to the bank in terms of approval.for so many year (more than 5 years), he didnot loan any money from the bank. But recently he would like to borrow loan 10K for his marriage.... is that applicable? he is kind of worry that the still unable to get his loan to be approved?!! due to CCRIS, CTOS etc... |
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May 5 2014, 09:02 PM
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Newbie
4 posts Joined: Apr 2012
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Hi I would like to ask about bank personal loan. I'm working for my parents with salary rm1500-2300 per month depends on the commission I get. The first thing I want to ask is that I don't have EPF, socso . But I have salary slip , bank statement , and stuff to prove that I work for the company and also my income. So I want to get a rm8000 loan to run a small car wash centre. What do you guys think ? Will the bank approve or reject ?
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May 5 2014, 09:18 PM
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Junior Member
124 posts Joined: Jul 2012
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Reject.
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May 5 2014, 09:19 PM
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Newbie
4 posts Joined: Apr 2012
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QUOTE(ERICWONG780 @ May 5 2014, 10:18 PM) Reject. Totally no chance to be approved? |
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