which bank pl approved rates is higher and not so concern on ccris record?how bout easyrhb?i heard say juz need ic.they can check all your loan on others bank b4 approved?
Personal Loan - V2, which banks offer the best deal?
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 Jan 29 2012, 10:23 PM
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#21
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5,284 posts Joined: Nov 2011 
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Jan 30 2012, 05:34 PM
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#22
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now all bank need 3 month pay slip to apply pl?last time juz use cc
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Jan 31 2012, 06:19 AM
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#23
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QUOTE(Ken_HP @ Jan 30 2012, 10:35 PM) 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 wat u mean by nett income?juz 3 month pay slip cannot apply?EasyRhb also need payslip? This post has been edited by samsungXP: Jan 31 2012, 06:20 AM |
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Jan 31 2012, 10:14 PM
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#24
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QUOTE(Ken_HP @ Jan 31 2012, 10:16 AM) Nett income x5 = amount u can get since rhb easy juz need ic,mean on the spot they can check all your debt with others bank?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 |
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Feb 2 2012, 09:21 AM
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#25
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wat the different of easyrhb and rhb pl?
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Feb 3 2012, 08:52 PM
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#26
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pl and cc which one more hard to get approved?
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Feb 6 2012, 08:11 AM
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#27
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easyrhb and normal rhb pl got wat different?if your ccris 0 0 0 0 0 0 but your commitment high then apply pl still can approved?
This post has been edited by samsungXP: Feb 6 2012, 06:19 PM |
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Feb 11 2012, 01:36 AM
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#28
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it is easyrhb more easy to approved compare with others bank pl?
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Feb 12 2012, 06:59 PM
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#29
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QUOTE(agenloan @ Feb 11 2012, 06:47 PM) FULL AG that mean goverment staff at federal goverment not state i believe so many ppl got outstanding balance at cc thats why they apply pl to settle it.got outstanding mean cant approved?Added on February 11, 2012, 6:52 pm easyrhb very difficult to get approved if u blacklist, because system already setup, but easyrhb very faster process compare another bank, if u have outstanding balance at CC, esyrhb very easy detect it |
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Feb 14 2012, 09:56 PM
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#30
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can we convert our cc outstanding balance to a term loan like pl?
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Feb 17 2012, 06:59 AM
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#31
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QUOTE(kachun_liew @ Feb 16 2012, 08:44 PM) try it b4 .. cc payment late 2 month can apply pl?think sure reject |
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Feb 27 2012, 09:15 AM
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#32
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al rahji bank personal loan need basic salary rm1500 to apply.but i working in sg but they also require sgd1500 basic to apply.how come?
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Feb 27 2012, 11:14 PM
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#33
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working in sg can apply bank rakyat pl?
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Feb 29 2012, 01:44 AM
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#34
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yesterday juz apply rhb pl.dunno can approved or not since ccris not so good record
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Mar 1 2012, 07:14 PM
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#35
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the bank sure will call u to verifiy when u apply pl from them b4 approved?pl approval is more depend on ccris or commitment?
Added on March 1, 2012, 7:15 pm QUOTE(ChuckyLau @ Mar 1 2012, 01:37 PM) Halo..i already make PL RM 21k from SCB..can i still apply for other bank?? Any suggestion? how long ord and how the paymentThis post has been edited by samsungXP: Mar 1 2012, 07:29 PM |
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Mar 2 2012, 12:13 AM
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#36
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[quote=ChuckyLau,Mar 1 2012, 11:46 PM]
Added on March 1, 2012, 7:15 pm how long ord and how the payment [/quote] Hmmm..the installment plan is 5 years..but i paid already 5-6 months. But every month i paid more than the actuall installment amount coz i taking the reducing plan interest. I think i had been paid around RM5K..  [/quote] can apply but depend on your salary and commitment |
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Mar 3 2012, 06:47 AM
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#37
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QUOTE(kenshin1 @ Mar 2 2012, 11:37 PM) hi guys... im back ~~~~ i also have cash on call with citi and scb but my pl can approved..lolAdded on March 2, 2012, 11:39 pm bank also look for outstanding of ur credit cards...ccris cantik also no use... near to limit, banks start to REJECT.... IF U MAKE INSTALLMENT PLAN, CASH ON CALL.... SURE BURST LIMIT!!!! REJECT FOR SURE!!!! Added on March 2, 2012, 11:40 pm YEA YEA.. BANK RAKYAT, DONT GIV FAULT INFORMATION.... BANK RAKAYT IS SUPER LOW RATE... FOR MNC, GLC N GOV STAFF ONLY.. BROTHER N SISTER.. DONT WASTE UR TIME...TIME IS VALUABLE.... Added on March 2, 2012, 11:42 pm MOST OF THE BANK GO FO FLAT.... STANDARD CHARTERED GOT FLAT AND FLEXI BOTH Added on March 2, 2012, 11:42 pm MOST OF THE BANK REJECT CONTRACT STUFF....SICK RULES Added on March 2, 2012, 11:43 pm IF UR CAR LOAN IS MORE THAN 1 YEAR OLD YEA, U MAY TRY SOME BANKS LIKE....ALLIANCE, HLB, RHB, HSBC Added on March 2, 2012, 11:44 pm YES, U MAY TRY... BUT I DONT KNW ABOUT UR COMITMENT LEVEL... IF U HAD HIT THE LIMIT OF UR COMMITMENT LEVEL OF UR SALARY.... SORRY FOR THAT..SAD Added on March 2, 2012, 11:45 pm FOR MNC, GLC N GOV STAFF.. BRO...... Added on March 2, 2012, 11:47 pm NOW COS OF BN'S NEW REGULATIONS... MOST OF THE BANKS TAKE NET INCOME... NO EPF NO INCOME TAX, SORRY.... SHLD HV 1 YEAR OLD CCRIS, ASB/CARD N SO ON IN UR CCRIS RECORD.... Added on March 2, 2012, 11:48 pm if no chance to approve, most of them no calls... based on CCRIS & COMMITMENT...BOTH~~~~ Added on March 2, 2012, 11:50 pm guarantee acceptance? YES ONLY AH LONG.COM.MY do u hv any loan/card more than 1 year old? if no... sorry ..bye bye... banks afraid u not paying, cos no record..... Added on March 3, 2012, 12:45 am normally the rate is fixed based on each bank... besides, as banker wld doubt, r u entitled for 20-25k? if ur income only 2-3k... |
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Mar 3 2012, 11:24 AM
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#38
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QUOTE(kenshin1 @ Mar 3 2012, 10:15 AM) i said, cards ourstanding near to limit, n hving coc or installment plan.... will burst limit... cc over limit mean cant approved?i dun think so |
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Mar 3 2012, 11:42 PM
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#39
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QUOTE(Ken_HP @ Mar 3 2012, 05:36 PM) CC overlimit wont approve, lets say u got 3 credit card 10k limit each. All overlimit do u think bank still will approve loan ? depend on bank.over limit bcoz ppl need money thats why apply for pl Just below 50-60% might got chance This post has been edited by samsungXP: Mar 3 2012, 11:43 PM |
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Mar 4 2012, 01:44 PM
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#40
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QUOTE(kenshin1 @ Mar 4 2012, 01:16 AM) that's y, hv to advice people, when reaching 70% of limit, shld look some solution for clearing it.. if not it wld b too late.. matters can settle with money is not a matter.no money how to find solution |
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