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

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loan_application
post Aug 24 2011, 03:51 PM

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QUOTE(langsk @ Aug 24 2011, 03:18 PM)
Yes, u can do like this also is you got cash on hand.... people need PL since cannot pay off ASAP.... if you can't pay off asap... the interest is 18% p.a.....
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thumbup.gif You're right. People apply PL because they not affordable to clear all the outstanding for credit card.
That's why they apply a PL since currently interest rate 6.75~12% compare to credit card 14~18%
sambest
post Aug 24 2011, 04:11 PM

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if for government staff, which bank give the lowerst monthly instalment and service charge?

i've try ask for RM 30K loan for 10 years:
cimb monthly rm352 i will get rm28K
kuwait finance house monthly rm389 i will get full rm30K

This post has been edited by sambest: Aug 24 2011, 04:12 PM
SUSvanderbilt
post Aug 24 2011, 04:24 PM

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i was told maybank stopped offering personal loan two weeks ago. anyone has info on this? they closed the personal loan department entirely and all staff absorbed to credit card workforce instead.
loan_application
post Aug 24 2011, 04:55 PM

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QUOTE(sambest @ Aug 24 2011, 04:11 PM)
if for government staff, which bank give the lowerst monthly instalment and service charge?

i've try ask for RM 30K loan for 10 years:
cimb monthly rm352 i will get rm28K
kuwait finance house monthly rm389 i will get full rm30K
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Currently Kuwait Finance House will be the best
Interest 4.9% Payout 100% without any hidden charges.
Which means you apply 10k get 10k
monsta2011
post Aug 24 2011, 04:59 PM

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QUOTE(loan_application @ Aug 24 2011, 04:55 PM)
Currently Kuwait Finance House will be the best
Interest 4.9% Payout 100% without any hidden charges.
Which means you apply 10k get 10k
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4.9%? True kah? Those bumi can borrow $$ and dump it in ASB which gives a return of 8.75%.

This post has been edited by monsta2011: Aug 24 2011, 05:09 PM
langsk
post Aug 24 2011, 05:25 PM

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QUOTE(langsk @ Aug 23 2011, 12:16 PM)
HI... just to inform you that I have apply the citibank PL....

Thanks.....

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

just for info..
month ago citibank call me to offer a Personal Loan (call Dial for Cash) which will use the credit card limit.
the interest only 4.88% for loan tenor of 18M

so yesterday I call to citibank to check whether the offer still available or not..... hehe the result is yes....
only that 36M will be 5.88% p.a

<<<P/S>>>
I check their website the standard rate is 9.88% p.a.
http://www.citibank.com.my/english/existin...al-for-cash.htm
So is you call to citibank maybe the offer will be difference...
my wife also call them but the offer is 7.88%p.a.....
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I receive my loan already rclxm9.gif rclxms.gif icon_rolleyes.gif thumbup.gif

deem fast citibank...
(I know, I know... it because that they are using my own credit limit... but it still fast mah.... monday 11PM apply and get the loan on wed after lunch)
monsta2011
post Aug 24 2011, 05:29 PM

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QUOTE(langsk @ Aug 24 2011, 05:25 PM)
I receive my loan already  rclxm9.gif  rclxms.gif  icon_rolleyes.gif  thumbup.gif

deem fast citibank...
(I know, I know... it because that they are using my own credit limit... but it still fast mah.... monday 11PM apply and get the loan on wed after lunch)
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what's your rate?
loan_application
post Aug 24 2011, 06:56 PM

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QUOTE(monsta2011 @ Aug 24 2011, 04:59 PM)
4.9%? True kah? Those bumi can borrow $$ and dump it in ASB which gives a return of 8.75%.
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Yes boss. 4.9 from KFH bank. But it only for government staff or certain University staff
langsk
post Aug 24 2011, 11:23 PM

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QUOTE(monsta2011 @ Aug 24 2011, 05:29 PM)
what's your rate?
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5.88
skyxis
post Aug 25 2011, 12:28 AM

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Aiya, I want apply loan for my sole prop business around 2 years +, 50k++, personal loan can do or not?
loan_application
post Aug 25 2011, 10:37 AM

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QUOTE(skyxis @ Aug 25 2011, 12:28 AM)
Aiya, I want apply loan for my sole prop business around 2 years +, 50k++, personal loan can do or not?
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pm-ed
Folio
post Aug 25 2011, 03:16 PM

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I need a small PL of 5k-10k. What are the current rates?
hongchai888
post Aug 25 2011, 08:19 PM

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QUOTE(Folio @ Aug 25 2011, 03:16 PM)
I need a small PL of 5k-10k. What are the current rates?
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I got 30k from Hong Leong, interest 3.29% for 36 months.
Ken_HP
post Aug 25 2011, 09:14 PM

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Good day,

Need cash ? Business loan ? Cash rolling ? Investment ? Private usage ?



Alliance Bank Personal Financing ( Personal Loan / Business Loan )

-0.74% Per Month, FLAT RATE

-Min Rm5000 - Rm150,000 ( 5k - 150k )

-Processing Fees, Stamp Study, Insurance, Early Settlement Fees ALL WAIVED

-100% payout

-No hidden charges

-No guarantor needed.

-1-7 Years Installment Available

-Private sector & government can apply

-21 - 60 years old

-1 Day AIP Approval



Document Needed To Apply :

1) If you do have a credit card above 1 year usage, you just need to submit IC & fill up form only.


2) For no credit card client, you must at least have 1 year car loan, house loan or any loan from bank to apply for this loan.

a) Latest 3 months pay slip and EPF or bank statement
b) IC
c) Fill up form


Everything can go thru by FAX or EMAIL !

Should you require further enquiries/assistance, kindly contact Ken @ 012-9371314


DIRECT UNDER BANK ! NO WORRIES !
jack2
post Aug 25 2011, 11:29 PM

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QUOTE(langsk @ Aug 24 2011, 11:23 PM)
5.88
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High, eonbank and standard chartered offered 3.33% and 2.99% respectively.
nokiaXP
post Aug 26 2011, 12:03 AM

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QUOTE(Ken_HP @ Aug 25 2011, 09:14 PM)
Good day,

Need cash ? Business loan ? Cash rolling ? Investment ? Private usage ?
Alliance Bank Personal Financing ( Personal Loan / Business Loan )

-0.74% Per Month, FLAT RATE

-Min Rm5000 - Rm150,000 ( 5k - 150k )

-Processing Fees, Stamp Study, Insurance, Early Settlement Fees ALL WAIVED

-100% payout

-No hidden charges

-No guarantor needed.

-1-7 Years Installment Available

-Private sector & government can apply

-21 - 60 years old

-1 Day AIP Approval
Document Needed To Apply :

1) If you do have a credit card above 1 year usage, you just need to submit IC & fill up form only.
2) For no credit card client, you must at least have 1 year car loan, house loan or any loan from bank to apply for this loan.

a) Latest 3 months pay slip and EPF or bank statement
b) IC
c) Fill up form
Everything can go thru by FAX or EMAIL !

Should you require further enquiries/assistance, kindly contact Ken @ 012-9371314
DIRECT UNDER BANK ! NO WORRIES !
*
apply 2 times also get rejected..sien


Added on August 26, 2011, 12:06 amlet say if my cc statement due date is 20th but i only make payment on 30th,wat the ccris will show?1 or 2?

This post has been edited by nokiaXP: Aug 26 2011, 12:06 AM
monsta2011
post Aug 26 2011, 12:52 AM

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QUOTE(jack2 @ Aug 25 2011, 11:29 PM)
High, eonbank and standard chartered offered 3.33% and 2.99% respectively.
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do u know the max amount we can loan?
hongchai888
post Aug 26 2011, 07:25 AM

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QUOTE(jack2 @ Aug 25 2011, 11:29 PM)
High, eonbank and standard chartered offered 3.33% and 2.99% respectively.
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2.99 ? Omg how to apply? Get it and put in FD also earn
loan_application
post Aug 26 2011, 10:22 AM

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QUOTE(hongchai888 @ Aug 26 2011, 07:25 AM)
2.99 ? Omg how to apply? Get it and put in FD also earn
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SCB will offer 2.99% p.a ? Try to check from website sweat.gif
kenshin1
post Aug 26 2011, 11:30 AM

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for those agency that take consultant fees from customer...pls shut up.. i dare to say that, u guys dont knw all banks ploan policy...let me expert tell u...

for those scb 2.99%, citi 4.99%.. those are cash on call..take money from ur credit card and hving low int installment to pay back... it will lock ur credit limit..this is for those who hv their cards and low outstanding, and just wanna use some cash for own purpose...that possible will do...
BUT: cards are near to limit already, u cant even do cash on call...that's y u need ploan..the t&c is, u own their cards, but not like SOME people say about FD..pls dont misunderstanding..

for business man...pls dont use cash on call.. cash on call is for emergency use only...pls apply for ploan first..if u r sure that ur business is not risky..besides, applying ploan,if ur cards are near to limit,ploan will b hard to approve..

cash on call/ dail for cash is different with ploan...
cash on call will lock ur card limit, 10k limit,take out 5k..available limit only 5k...B: 10k limit take ploan 10k, available limit still 10k.....

pls understand people.. dont listen to "people" but listen to expert...consultancy is not expert at all, wat 10 banks..they just submit to around 5 only...submit like regular customer..nothing special..they dont even knw insider, even they knw, insider also cant do anything, u r applying with BANKS , not AH LONG...insider no use,still hv to follow rules...



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