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Personal Loan - V2, which banks offer the best deal?
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adreina
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 Oct 6 2011, 02:34 AM
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Getting Started
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I want to apply PL .. Below is the details :
Basic Salary : 5.7k
Allowance : 3k -4k
Gross salary : 9k +
Credit card : 4, highest 20k credit limit. Usage around 35k over 70k total. All less than 1 year.
Housing Loan : 2, both of it served more than 5 years. Total RM1k repayment.
Car Loan : RM650
CCRIS checked last month. All cleared. 000000000000 ...
How much I can get? and which bank offer the lowest rate?If possible I need those flexi and not flat rate as I'm waiting for my refinance disbursement then I can settle off the PL. I just need it for downpayment.
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Ken_HP
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Oct 6 2011, 09:34 AM
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Getting Started
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0.74% per months from alliance bank Amount 35k - 45k / 50k ( loan 35k get full 35k) QUOTE(adreina @ Oct 6 2011, 02:34 AM) I want to apply PL .. Below is the details : Basic Salary : 5.7k Allowance : 3k -4k Gross salary : 9k + Credit card : 4, highest 20k credit limit. Usage around 35k over 70k total. All less than 1 year. Housing Loan : 2, both of it served more than 5 years. Total RM1k repayment. Car Loan : RM650 CCRIS checked last month. All cleared. 000000000000 ... How much I can get? and which bank offer the lowest rate?If possible I need those flexi and not flat rate as I'm waiting for my refinance disbursement then I can settle off the PL. I just need it for downpayment. |
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Sitting Duck
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Oct 6 2011, 03:15 PM
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I got a call from Hong Leong. 3.29% annual for 3 years. Not sure it's flexi or fix. worth it?
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nokiaXP
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Oct 6 2011, 05:54 PM
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scb call me and offer cheque on call at 0.74 % for 18 month
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kenshin1
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Oct 6 2011, 05:55 PM
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Getting Started
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QUOTE(Sitting Duck @ Oct 6 2011, 03:15 PM) I got a call from Hong Leong. 3.29% annual for 3 years. Not sure it's flexi or fix. worth it? FIXED... YES IT WORTH....GET IT... |
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nokiaXP
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Oct 6 2011, 06:21 PM
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QUOTE(kenshin1 @ Oct 6 2011, 05:55 PM) FIXED... YES IT WORTH....GET IT... it is pl or wat.my current pl with hlb is 11% per annum..zzz |
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kenshin1
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Oct 6 2011, 10:39 PM
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Getting Started
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QUOTE(nokiaXP @ Oct 6 2011, 06:21 PM) it is pl or wat.my current pl with hlb is 11% per annum..zzz not so sure... but i dont think its ploan... i think it's cash on call.... cos HLB never been so kind..hahaha |
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SUSFreeloader
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Oct 7 2011, 09:30 AM
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Getting Started
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QUOTE(Ken_HP @ Oct 6 2011, 09:34 AM) 0.74% per months from alliance bank Amount 35k - 45k / 50k ( loan 35k get full 35k) How is the calculation of 0.74% per month? If lets say I take a RM10k loan and intend to pay it back in 5 years, how much is the monthly installment? |
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andylxj88
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Oct 7 2011, 07:23 PM
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New Member
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4440 for your interest , then add back 10k then divide by 60 which is 240.66667 per month.
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Dannyhjw
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Oct 7 2011, 10:59 PM
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New Member
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QUOTE(andylxj88 @ Oct 7 2011, 07:23 PM) 4440 for your interest , then add back 10k then divide by 60 which is 240.66667 per month. Yes...u r right....:-) |
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nokiaXP
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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
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Phoeni_142
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Oct 8 2011, 10:19 PM
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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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marco
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Oct 9 2011, 12:41 AM
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New Member
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Got my PL application from hsbc already. Rejected!
All banks rejected.
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nokiaXP
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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. u got blacklisted or owe bank money?
Added on October 9, 2011, 5:54 pmQUOTE(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. 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 |
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andylxj88
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Oct 9 2011, 08:49 PM
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New Member
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cash on call not so good really . what i know is cash on call is using your credit card existing credit limit x 80%. it will made your cc become more than 80%, once over, then "lai yeh"
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kenshin1
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Oct 10 2011, 07:23 AM
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Getting Started
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QUOTE(andylxj88 @ Oct 9 2011, 08:49 PM) cash on call not so good really . what i know is cash on call is using your credit card existing credit limit x 80%. it will made your cc become more than 80%, once over, then "lai yeh" yes it is...that's y how ploan works....for every business man, we always persuade them to use ploan first...COC for emergency use or we called last chance....cos it doesnt need any terms and condition, as long as card is not locked and with available limit... |
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nokiaXP
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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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kenshin1
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Oct 10 2011, 07:13 PM
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Getting Started
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QUOTE(nokiaXP @ Oct 10 2011, 03:29 PM) if ccris show 1111.... pl still can get approved?if cc juz pay minimum payment on time then ccris show 0 or 1? about 1111...it's all about scoring... there's no accurate answer...im sorry for this... never overdue date but paying min payment..it will b 0...wont b 1 |
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nokiaXP
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Oct 10 2011, 08:13 PM
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QUOTE(kenshin1 @ Oct 10 2011, 07:13 PM) about 1111...it's all about scoring... there's no accurate answer...im sorry for this... never overdue date but paying min payment..it will b 0...wont b 1 wat u mean by scoring |
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shiniraz
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Oct 10 2011, 10:16 PM
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Getting Started
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Searching for personal loan with fast approval(less than 3days):
My debit:
Current Basic salary: 5.8K
Other Allowance : 1-2K
My credit:
CC : only 1 CC with 2.8K outstanding balance.
Car : 650/mth
House(Rent) : RM250 - including all bills.
What is the max amount I can get?
Which bank can offer fast approval with lowest rate? Planning to apply 1 as soon as tomorrow.
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