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

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nokiaXP
post Sep 15 2011, 05:49 PM

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QUOTE(marco @ Sep 15 2011, 05:43 PM)
wow! u walk in  or What.
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walk in
nokiaXP
post Sep 17 2011, 11:37 PM

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QUOTE(kenshin1 @ Sep 17 2011, 11:24 PM)
same like others, i can say... abit better..i can say......quality cust sure can approve..i can say, it's honest..
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top approved rates is ocbc and hsbc
nokiaXP
post Sep 18 2011, 03:37 PM

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QUOTE(kenshin1 @ Sep 18 2011, 12:57 AM)
bos, not about that bos...u still dont knw allot of things in each banks..
diff banks with diff policy....

commitment levels, ccris problem.... yea.. mayb those....
but there r still alot of quality customer....

still looking for better rates, better terms & conditions...some cld get better.....u wld confuse alot of people....
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but ocbc and hsbc not so concern on ccris or commitment.they can still approved but maybe the loan amount a bit lower.but others direct reject your application
nokiaXP
post Sep 19 2011, 11:40 AM

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hsbc pl monthly repayment auto deduct from the saving acc.i think others bank they will provide u a different loan acc.totally different
nokiaXP
post Sep 20 2011, 06:48 PM

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last week my pl with hsbc ord been approved.if now i apply cc from them the chances get approved will be high?
nokiaXP
post Sep 21 2011, 07:08 AM

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QUOTE(kenshin1 @ Sep 20 2011, 11:44 PM)
7.5%.. go to hv a try.... interest rate doesnt show anything....

alliance 8.88% 5k for 5yrs ..rm 120.33 mthly..  5k app, bank into any customer personal acc, 5k full....

how about al-rajhi? mind to share?
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alliance cc got cash on call like others bank?if yes wat the rates?
nokiaXP
post Sep 22 2011, 12:29 PM

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QUOTE(h4dRi @ Sep 22 2011, 11:59 AM)
hi, what do u mean by they asking for lowest  cl cc?

guys, if my credit limit for my cc is 5k, and balance credit is also 5k, what's the max. amount i can apply for pl?
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can apply rm5k only
nokiaXP
post Sep 22 2011, 03:07 PM

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QUOTE(andylxj88 @ Sep 22 2011, 12:56 PM)
if u apply the credit card b4 u apply the loan, sure the card will be approve, but after u apply the loan, only u apply the cc, it will be hard to approve.

Added on September 22, 2011, 1:02 pm

i am working at hong leong bank , so if you want to apply personal loan, can u pm me , so that i can call you for further detail
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why i apply pl from hong leong after approved i go apply cc and also approved
nokiaXP
post Sep 22 2011, 06:03 PM

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QUOTE(kenshin1 @ Sep 22 2011, 03:08 PM)
mostly for gov sector / glc / listed company..... like bimb,br,bsn

Added on September 22, 2011, 4:37 pm
card is more easy to approve than ploan.....
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then u say after pl approved then apply cc cant get
nokiaXP
post Sep 23 2011, 08:26 AM

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juz wan to know why hsbc can approved my pl but my cc application they reject.normally pl is harder than cc to get approved
nokiaXP
post Sep 24 2011, 10:03 PM

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QUOTE(giggs_509 @ Sep 24 2011, 09:49 PM)
Hi guys. I'm planning to apply pl for 30k. Payback in 3 years. My salary 5.9k. Now commit to housing loan monthly rm1828 (29 years remaining) and car loan monthly rm765 (4 years remaining). Anyone from any banks can give me good offer? Pm me.
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30 years and monthly rm1828?u live in bunglow?
nokiaXP
post Sep 27 2011, 02:00 PM

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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?
nokiaXP
post Sep 28 2011, 07:00 PM

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any bank offer loan that settle your all outstanding cc and than u make repayment back by monthly installment to the bank?think different from pl coz this type of loan u wont get cash.heard scb have

This post has been edited by nokiaXP: Sep 28 2011, 07:00 PM
nokiaXP
post Sep 29 2011, 08:55 PM

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QUOTE(marco @ Sep 29 2011, 05:44 PM)
Yo bro,

To be approved by HSBC that day how long do you need to wait? I have applied mine last week Thursday. Still no response yet. Huhu.

smile.gif

Thanks.
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within 1 weeks will call u.if no then reject liao
nokiaXP
post Oct 3 2011, 06:00 PM

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QUOTE(sweetcat @ Oct 3 2011, 04:03 PM)
if blacklisted any loan beside ah long can get personal loan?
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sometimes depend of wat blacklisted.owe bank money then only ah long can loan u
nokiaXP
post Oct 6 2011, 05:54 PM

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scb call me and offer cheque on call at 0.74 % for 18 month
nokiaXP
post Oct 6 2011, 06:21 PM

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QUOTE(kenshin1 @ Oct 6 2011, 05:55 PM)
FIXED... YES IT WORTH....GET IT...
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it is pl or wat.my current pl with hlb is 11% per annum..zzz
nokiaXP
post Oct 8 2011, 12:48 PM

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let say i took a pl for 5 years.after 3 years i cant afford to pay that monthly repayment.so can i extend the pl for another few years so the monthly repayment will be lower

This post has been edited by nokiaXP: Oct 8 2011, 12:49 PM
nokiaXP
post Oct 9 2011, 03:52 PM

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QUOTE(marco @ Oct 9 2011, 12:41 AM)
Got my PL application from hsbc already. Rejected!

All banks rejected.
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u got blacklisted or owe bank money?

Added on October 9, 2011, 5:54 pm
QUOTE(Phoeni_142 @ Oct 8 2011, 10:19 PM)
depends on the bank.

but normally yes - it will be considered a restructured account.  The bank is obliged to help you out, and it is in their interest to do so.  After all, if the bank does nothing, you will only become delinquent.
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so next time u borrow pl from others bank will got problem?how bout the ccris will show

This post has been edited by nokiaXP: Oct 9 2011, 05:54 PM
nokiaXP
post Oct 10 2011, 03:29 PM

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if ccris show 1111.... pl still can get approved?if cc juz pay minimum payment on time then ccris show 0 or 1?
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