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

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Ken_HP
post Nov 25 2011, 11:03 AM

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QUOTE(telomasen88 @ Nov 25 2011, 12:16 AM)
I still need option on which bank can provide me PL...been rejected by 6 banks...need loan around 10k....need to help my parents to pay off the house...aih...anybody can help?
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Rejected by 6 banks? Did u check what the problem got rejected? U have to settle what d reason got rejected if not the result will be d same gt rejected
Ken_HP
post Nov 25 2011, 07:31 PM

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QUOTE(bobbey @ Nov 25 2011, 11:49 AM)
heard that next year any application for loan will be more strict after BNM had issued new rule regarding applying loan. anyone can confirm this?
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Yes, but haven't confirm. Must submit full document such as payslip, epf, offer letter & etc.
Ken_HP
post Nov 28 2011, 09:43 PM

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QUOTE(sonerin @ Nov 27 2011, 08:17 AM)
Never seen before any bank offer 150k loan. Why you need that ?
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there are several bank islamic bank offering Rm150k, but everything depents on your income doc & etc.
Ken_HP
post Dec 5 2011, 09:44 PM

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QUOTE(wongyl83 @ Dec 5 2011, 11:38 AM)
I have received an email from Alliance Islamic Bank regarding their loan but the email is came from alliancefg.com, i would like to verify with you guys, any idea the email is good?
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The best way to confirm is to get their staff code number and call up to Alliance Bank customer service hotline OR drop by their branch. Bcoz I'm also from Alliance Bank icon_rolleyes.gif
Ken_HP
post Dec 16 2011, 06:37 PM

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For those who wanna apply for personal loan better apply asap, new policy from bank negara out already. Must submit full document to apply =p some bank already request for full document, such as SCB, HLB, & RHB. if not mistaken.

This post has been edited by Ken_HP: Dec 16 2011, 06:38 PM
Ken_HP
post Dec 20 2011, 10:54 AM

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QUOTE(galaxie82 @ Dec 19 2011, 03:11 PM)
The best is Al-Rajhi, 7.5% p.a. , the officer told me next year the interest will revised to higher rate;  so please rush if you planning to take PL biggrin.gif
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7.5% with t&c, processing I heard was 3 weeks above ? @@ jz my 2ceny=p
Ken_HP
post Jan 2 2012, 08:40 PM

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QUOTE(kuhan_83 @ Jan 2 2012, 05:45 PM)
Guys,
Need some help here. I have tried applying loan 2wice but has been rejected by OCBC and Bank Islam. I have got a personal credit card which limit is 7k but i overused till 7.3k (additional 300). I have been paying more than the monthly minimum payment. Next month the credit card will be less 7k and it will be active again.

I have got a company AMEX card which has got about RM100 outstanding. My company suppose to pay it but HR is talking cock now. So i will be paying that amount next month also.

I got a RHB credit card which i have canceled about a year ago and paying monthly to RHB without fail. I have got another 4k to settle for RHB i think. RHB one is something like term loan.

My car payment also never late. All on the dot. I went to Bank Negara and my CRISS report was all zero (0). I need about 20k loan. Urgent!. 3-4 years i pay back.

Is this possible ?? can anyone help!! dam its hard to get a loan. Any assistance is deeply appreciated.

Cheers
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Scoring problem, your credit card already exceed limit. try to clear below 50-60% might got chance.
Ken_HP
post Jan 4 2012, 08:18 PM

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QUOTE(kuhan_83 @ Jan 3 2012, 07:14 PM)
basically i wanna clear my personal credit card which is active and have got about 7k pending and clear my RHB credit card repayment scheme which is 4k and have about 10k for my personal use.

Any bankers around. do ping me please... need ur expertise
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your cc overdue amount already exceed credit limit, your only chance is to clear your cc debt. If not, u cant get any ploan from bank. Bcoz your scoring already way too low due to your overdue, consider high risk customer. jz my 2cent
Ken_HP
post Jan 6 2012, 06:29 PM

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QUOTE(samsungXP @ Jan 6 2012, 10:28 AM)
but why ppl can get pl approved to pay off theirs cc debt
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everything depents on bank & client scoring and risk. such as, ccris record, cc limit usage, job sector, job position & etc. some bank can offer high amount even client having high debt or overdue amount. * just from what i know *
Ken_HP
post Jan 30 2012, 10:35 PM

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QUOTE(samsungXP @ Jan 30 2012, 05:34 PM)
now all bank need 3 month pay slip to apply pl?last time juz use cc
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no more credit card promp start from 2012, client must submit full document such as 3 months payslip & epf / bank statement. latest policy from bank negara =) we only take NETT income


Ken_HP
post Jan 31 2012, 10:16 AM

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QUOTE(samsungXP @ Jan 31 2012, 06:19 AM)
wat u mean by nett income?juz 3 month pay slip cannot apply?EasyRhb also need payslip?
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Nett income x5 = amount u can get
2011, gross x5. Payslip just a reference document, u need to submit supporting document. Such as epf or bank statement showing salary credit to your account. Rhb easy jz submit Ic & epf only if not mistaken
Ken_HP
post Feb 4 2012, 04:38 AM

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QUOTE(LucasPSS @ Feb 3 2012, 12:51 PM)
I see.. I was not advised on this, I mean the banker should know if 6k cannot cover the repayment of 40k. What's the eligibility loan amount to get off 6k nett salary then?

And btw I onli miss payment twice due to nvr receive statement.. Like this also consider bad payment record edi? Omg.. Can I still try and apply then?
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if not mistaken latest 6 months record showing 2 months " 2" on ccris = reject

what i can say is 2012= p.loan market die !

This post has been edited by Ken_HP: Feb 4 2012, 04:41 AM
Ken_HP
post Feb 6 2012, 11:23 PM

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QUOTE(cawan15 @ Feb 6 2012, 10:30 PM)
i want to buy a car.. better to take personal loan/ car loan?
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new car or used car ? for new car get car loan
Ken_HP
post Feb 11 2012, 02:50 AM

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QUOTE(samsungXP @ Feb 11 2012, 01:36 AM)
it is easyrhb more easy to approved compare with others bank pl?
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yes higher approval rate compare with others bank & also the highest interest rate in d market.
Ken_HP
post Feb 13 2012, 11:23 PM

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QUOTE(sonerin @ Feb 13 2012, 09:48 PM)
Why would want to cover debt with debt ?
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Credit card interest rate p.a around 18% +
Loan interest rate p.a way lower then 18% ( 6.5% - 14%++ )
Ken_HP
post Feb 17 2012, 08:08 PM

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QUOTE(samsungXP @ Feb 17 2012, 06:59 AM)
cc payment late 2 month can apply pl?think sure reject
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50-50, some bank accept 2 month due. or try to apply before 10th of the month, bcoz ccris update on every month of 15th.

This post has been edited by Ken_HP: Feb 17 2012, 08:12 PM
Ken_HP
post Feb 24 2012, 08:30 PM

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QUOTE(kotaklalala @ Feb 23 2012, 12:48 PM)
hye...can bank approve my pl since im moving to new company, this company didnt pay epf, ady working 2 mnth now, have cc...cl 7k, can?
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Standard document : Latest 3 months payslip & epf statement =)
Ken_HP
post Mar 3 2012, 05:36 PM

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QUOTE(samsungXP @ Mar 3 2012, 11:24 AM)
cc over limit mean cant approved?i dun think so
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CC overlimit wont approve, lets say u got 3 credit card 10k limit each. All overlimit do u think bank still will approve loan ? tongue.gif
try to keep below 50-60% might got chance

This post has been edited by Ken_HP: Mar 4 2012, 07:35 PM
Ken_HP
post Apr 20 2012, 07:08 PM

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QUOTE(DjTranceHan @ Apr 17 2012, 04:32 PM)
can i ask if the bank reject the loan will they still call u and inform u??
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yup, normally bank will sent out sms / letter.

Added on April 20, 2012, 7:09 pmAlliance Bank 8.88% promotion end 30th of this month.
From May 1st = 10.58% p.a =)

This post has been edited by Ken_HP: Apr 20 2012, 07:09 PM
Ken_HP
post May 16 2012, 07:45 AM

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eon cash on call 3.99% p.a =)
citi 3.2x% p.a for existing customer

This post has been edited by Ken_HP: May 16 2012, 07:46 AM
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