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

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kenshin1
post Oct 21 2011, 12:49 AM

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[quote=b00n,Oct 20 2011, 07:54 PM]
It is illegal:

*

[/quote]
*

[/quote]


thx for ur comment,support u & that's y i had nothing to say.... shocking.gif

This post has been edited by kenshin1: Oct 21 2011, 12:49 AM
marco
post Oct 21 2011, 08:16 AM

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Hi,

Where can i check CTOS/CCRIS status or to clear the record? Anybody can advise?

Thanks.
Ken_HP
post Oct 21 2011, 11:50 AM

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QUOTE(marco @ Oct 21 2011, 08:16 AM)
Hi,

Where can i check CTOS/CCRIS status or to clear the record? Anybody can advise?

Thanks.
*
Bank negara, u can't pay to clear ccris record. But u can pay minimum payment to waive the 1.2.3 record
bjiz
post Oct 21 2011, 04:20 PM

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hi, kensin, thank for the help....i will definitely recommend you to my friends if they wish to apply personal loan. thanks
Arcanum
post Oct 21 2011, 07:13 PM

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Does anyone have any idea why my personal loan was rejected? Loan amount RM10,000 and monthly salary is RM4000. No bad credit rating (or maybe no credit rating at all either because this would've been my first loan).
kenshin1
post Oct 21 2011, 08:57 PM

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QUOTE(Arcanum @ Oct 21 2011, 07:13 PM)
Does anyone have any idea why my personal loan was rejected? Loan amount RM10,000 and monthly salary is RM4000. No bad credit rating (or maybe no credit rating at all either because this would've been my first loan).
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yup..this is the reason.....as u said...
if u hv epf deduction, u only can try HSBC.. no other choice..
Eng_Tat
post Oct 23 2011, 08:06 PM

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u need to check with bank, then see if after lock in period is cheaper or paying the penalty is cheaper blush.gif


QUOTE(suchap69 @ Oct 19 2011, 12:38 AM)
yes eng tat....

i was thinking abt the same amount as u mentioned... but now the total full settlement amt is rm70500, i dont know abt lock in period and penalty rate, forgot to ask about it.... might be the diff between rm70500 and rm67950 is the penalty right?

can u suggest the best way to minimise the total settlement cost?

thanks
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aieazuri
post Oct 24 2011, 12:28 AM

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hi all..i am planning to take PL for savings since I am newly wed..i have 2 cc under maybank dual card which 5k each..im planning to take rm10k..which bank is the good one?I thought wanna to apply Hong Leong..I am already worked almost 1 year in private company..the current commitment only going to buy a car only..plz help me =(
Arcanum
post Oct 24 2011, 10:17 AM

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QUOTE(kenshin1 @ Oct 21 2011, 08:57 PM)
yup..this is the reason.....as u said...
if u hv epf deduction, u only can try HSBC.. no other choice..
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Yes I have EPF deduction and the application was with HSBC. They advised me to go for the type of loan where the bank just looks at your maximum limit for a credit card of another bank and grants you a loan in that amount instead of the loan where you submit your payslips and EPF deduction.
kenshin1
post Oct 24 2011, 06:28 PM

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QUOTE(Arcanum @ Oct 24 2011, 10:17 AM)
Yes I have EPF deduction and the application was with HSBC. They advised me to go for the type of loan where the bank just looks at your maximum limit for a credit card of another bank and grants you a loan in that amount instead of the loan where you submit your payslips and EPF deduction.
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tell them they shld quit their jobs, wat a lousy banker..even dont knw about his product.... sorry for that, u hv to go to other hsbc branch...



This post has been edited by kenshin1: Oct 25 2011, 01:49 PM
terry_wong
post Oct 28 2011, 04:42 PM

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ccris like this ploan still can approve?
01100110100 (car loan) credit card all o
loan_application
post Oct 28 2011, 04:49 PM

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Yes, you still can get approval.

As long as don't appear more than "3"

"3" still can try but "4" confirm can't
sharksuke
post Oct 28 2011, 05:12 PM

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guys...
its posible for salary 1k get PF/cc?
pekerja swasta.
Ken_HP
post Oct 28 2011, 08:01 PM

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QUOTE(sharksuke @ Oct 28 2011, 05:12 PM)
guys...
its posible for salary 1k get PF/cc?
pekerja swasta.
*
Islamic bank minimum 2k if not mistaken

This post has been edited by Ken_HP: Oct 28 2011, 08:02 PM
cyc85
post Oct 29 2011, 03:27 AM

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i would like to apply personal loan to clear my CC...
maybe borrow rm13k...
anybody can recommend?
i applied Alliance before but rejected icon_question.gif
sharksuke
post Oct 29 2011, 02:25 PM

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QUOTE(Ken_HP @ Oct 28 2011, 08:01 PM)
Islamic bank minimum 2k if not mistaken
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my minimum only 1k.
so no chance for me
need find better job afer this:(
jayro_88
post Oct 29 2011, 05:15 PM

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im planning to get myself rm21k for my personal loan..which bank should i go?5-10 years of repayment...which have the lowest interests and quick approval?
kongps82
post Oct 29 2011, 06:27 PM

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Any recommendation for PL for around 25k for (around 500 per month installment)? A rough check through, seems that Alliance bank have the lowest, around 8.88% pa. After I check Bank Islam, seems like more lower,around 6-7% pa.Just now sure how the calculation method and application process.

This post has been edited by kongps82: Oct 29 2011, 06:36 PM
kenshin1
post Oct 30 2011, 07:58 AM

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then u try to take bank islam lor..

This post has been edited by kenshin1: Oct 30 2011, 07:59 AM
Ken_HP
post Oct 30 2011, 12:27 PM

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QUOTE(kongps82 @ Oct 29 2011, 06:27 PM)
Any recommendation for PL for around 25k for (around 500 per month installment)? A rough check through, seems that Alliance bank have the lowest, around 8.88% pa. After I check Bank Islam, seems like more lower,around 6-7% pa.Just now sure how the calculation method and application process.
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Yup, lower rate. But not all people can apply. SELECTED or LIMITED Public Listed Companies & Private Limited Companies as categorized under package companies listed by Bank Islam.
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