Yes, and their kiosk are everywhere in Kuala Lumpur especially easy accessible area such as train station and shopping mall. if can accept the loan rate, then will be fine for them.

No permanent or part time job, nor deduction through EPF.
No, you cannot apply loan. Banks will not borrow to you because it risky to lend you without fixed income.

At least 3 month working payslip, is a must.
Below 21 year old, get ready for another guarantor.

You may discuss with your family if you found out that it is really troublesome for transportation issues. The better solution is by using their name with their permission, but paid your loan by yourselves with your ability.

If you're currently under government or statutory then a lot of choices.

If you're private sector, then you can try Public Bank, but must be approved by Public Bank Agency at least 6 months.

Or Cash Plus Financing-i, CIMB bank 9.88% interest or Alliance Bank, BSN Bank if still promotion valid.

Do you ever late payment such as installment for vehicle, property and other type of loan from other banks or institution, such as CCRIS, it is one of the reason why your loan gets approved or rejected. It hold credit health information of a borrowers.

During the calling period, you may ask them the reason for such rejection and I'm sure they will not hesitate to let you know the reason behind it.

This post has been edited by adolph: Dec 31 2012, 04:03 PM

Why you keep taking loans ?
As far as I know, you keep apply loan since last time.
Just want to know.

I'm very interested on your amanah saham units, it's rare for me at least to get units.

This post has been edited by adolph: Feb 6 2013, 02:59 PM

Aiman04,

This is because Easy RHB using their own system not alike any bank, which can link with Branch Delivery System (BDS) but also their system linked automatically to Easy Central Operation (ECO), dealing automatically by checking your Central Credit Reference Information Sytem (CCRIS) and Credit Tip Off Service (CTOS), such as how frequently your payment was made in the past. It can be done by using peer technique, but not alike other central bank which used document based where they need manual check their reference and system before a loan can be approve. If the system shown a refer to the branch, a document based will be done normally for those without Employee Provident Fund (EPF), just like you're applying for credit card, they have a system to check your EPF on the spot.

Solsekuin44,

Taking a long term loan is a disadvantage, it not important as you still need to paid for the interest, and it locked yourselves in future and many taking loans to get a free exit for themselves, make sure a loan is payable in short term basis. it a liabilities for you but an asset for the banks, your ability to paid the loan is the asset to the banks, if you do not know what you're doing, or just planning to invest your money for such funds, it not an advantages if you could not control your asset flows, especially the returns if you depend on others. Just make a simply net worth after deduct liabilities such from banks, if your net worth is below then it always a bad moved. asset should surpass liabilities, make sure low debts, and debt are able to cover the loans within your power of returns but not simply depending on others.

JYBillion,

It very simple, your salary is around $1,800 every month which result $198 deduction from your Employee Provident Fund (EPF), not $1900 as a basic, please verify this with your current company as I always received a lot of complaint for their respective companies do not paid their EPF contribution for the employee. Your gross income are as follow if follow our calculation by your employer deduction,
March = $ 243.33
February = $ 274.39
January = $209.00
December - $246.71
November - $245.53
October - $249.70

From my calculation, it shown very clearly you are not eligible to take $30,000 because of your current commitment and your career is not just a fixed salaries but still received overtime pay and key performance indicator (KPI) if not mistaken. Even if your fixed salaries only $1,000 but you received $3,000 from commission payable, it will effect a lot to a loan approval. So, basically salary is very important, the higher the rate, the better the approval rate. if you are expecting a shorter return with your salary like this especially your hire purchase already force you to paid $4,440 per year, let me straight to the point, most bank will not lend it to you and it so, not easy. that not included your previous CCRIS record, if you have any late payment or due payment then it will be harder for you to get any personal loan, that doesn't matter you already settle your loan or whatever, your record still there forever for the rest of your life, that is your credibility and credit to the bank to check your credit rating score.

This post has been edited by adolph: Apr 17 2013, 11:26 PM

JYBillion,

Yes, you need to apply at least next month. However, you may try another loan from branch that currently in offer, branch and easy are different division but still under RHB Bank Malaysia Berhad. If you already decline, mean you have a bad record for your CCRIS. Our bank do have a system known as counter offer, so if you do not received any counter offer during easy RHB, then you may try for branch. If two of the division do not offer you "counter offer", you may try again at least after one month or effective way, try other banks.

JYBillion,

You have to understand the risk of lending to other person for long term period, bank will not risk their money to lend to another especially have a bad CCRIS record, it not just a short for six month period just because you able to paid in this six month without outstanding balance. If you do have a bad result then your result will be listed forever for the rest of your life. You want people to help you, firstly you have to help yourselves, the true enemies always yourselves. that is the society. If you're the entrepreneur, will you lend to a person by risking your investment especially have a bad company performance. The world is very fair, you have a good financial report, there will be a lot willing to do business with you. If you do not, then you should know the answer, right.

This post has been edited by adolph: Apr 19 2013, 12:09 AM

xoxlifestyle100,

That's not the way,
It all depend what type of personal loan you are borrowing, some loan offer at fixed and flat rate while there are also loan known as reducing balance personal loan.

You may check what type of loan you are borrowing with the banks.
Some personal loan offer partial interest waiver based on early settlement amount.

hope it may assist you.

This post has been edited by adolph: Jan 13 2014, 11:38 PM

cash installment from CREDIT CARD >

you have to check the INTEREST RATE,

the RATE is different from time to time.