Personal Loan - V2, which banks offer the best deal?
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 Oct 10 2011, 08:13 PM
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#41
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world 
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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... wat u mean by scoringnever overdue date but paying min payment..it will b 0...wont b 1  |
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Oct 11 2011, 12:18 AM
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#42
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(kenshin1 @ Oct 10 2011, 11:50 PM) everybody still asking wat is scoring.....it's like a scoring board... but make it simple... most scoring problem...CCRIS.... got 1 also reject.i think some bank still approvedoverdue date... got 1 = cut score...1 more 1= cut more score.... got 2 sure reject.... (but some others that u hv 1 already reject) card outstanding... >50% >70% >90% overlimit....over limit sure reject ...>90% most of the banks rej.... so...sometimes u get rejected due to FAILED SCORE/LOW SCORING...this is the meaning...ccris sucks *applied too much card/ploan application 6mth b4 this...some banks also rej this for scoring too... understand??? |
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Oct 13 2011, 07:01 AM
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#43
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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if we wan apply 2nd pl from the same bank that u apply 1st pl,how long period need to wait feom your 1st loan b4 u apply for another pl?6 month or 12 month
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Oct 13 2011, 12:09 PM
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#44
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(afosz @ Oct 13 2011, 11:16 AM) How does credit card loan works actually ? Sorry for noob question. CIMB very hard lor.ppl salary rm4.5k monthly also rejectProblem solved at the moment. I've send my application for PL and credit card under CIMB. Waiting for approval. At last finally a bank accepts my application. |
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Oct 13 2011, 06:10 PM
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#45
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(kenshin1 @ Oct 13 2011, 04:48 PM) it's in the form when u sign... currently i got pl with hlb amount rm12k.i already pay around 15 month.so i go there apply for rm5k 2nd pl but get rejected.this 15 month my payment all on timeAdded on October 13, 2011, 4:51 pm diff banks .. diff rules... alliance 1 year... some others 6mth... another one is max amount limit for each cust....some 50k, some 100k, some 150k or so on Added on October 13, 2011, 6:13 pm QUOTE(yrag @ Oct 13 2011, 01:56 PM) HI Ken, your cc approved not mean u apply pl sure approved.i apply pl approved but apply cc reject.i also holding scb platinum.why dun u apply for cheque on call.only 0.74% monthly.maximum tenure 18 monthim interested in alliance bank loan.. loan shud be no problem for approval... i just got my stanchart platinum card so shud be no problem is CRISS or wahtever... i just wanna ask about the alliance bank no early settlement fee... how come the website neva write this?? can give me more details and proof... i can apply thru you no problemo This post has been edited by nokiaXP: Oct 13 2011, 06:13 PM |
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Oct 13 2011, 08:22 PM
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#46
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(khairilyazit @ Oct 13 2011, 06:49 PM) any suggestion for a 50k loan for 15 years? pl maximum go up to 7 years only if not wrong |
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Oct 19 2011, 03:04 AM
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#47
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(DanielOoi @ Oct 18 2011, 04:39 PM) We can utilize the credit limit from our credit cards and apply for cash advancement, less hassle and requirements. The interest rate is sometimes lower than PL depending on your package. which bank |
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Oct 19 2011, 09:43 AM
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#48
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(kenshin1 @ Oct 19 2011, 07:50 AM) cash advance or call for cash? it's a big diff.... even now,only 1 bank has super low interest for call for cash...not cheaper than ploan at all... hlb essential withdraw cash only 2%.somemore lower than 18% per annum.forget the rates ordand mostly people need money to payoff cards outstanding,nearly kaboom, how to take ur "cash advance" more... cash advance, 18% pa even with charges everytime u withraw... |
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Oct 19 2011, 08:01 PM
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#49
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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QUOTE(Eng_Tat @ Oct 19 2011, 03:12 PM) bro, cash advance fee is 2% + 10.8% int per annum from their web the lowest compare to others cc.interst lower than some pl |
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Nov 9 2011, 05:35 PM
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#50
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Junior Member
466 posts Joined: Nov 2010 From: Somewhere in this world
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actually RHB got how many type of pl?i heard forumer here say apply juz need mykad but i went there they ask for income document.rhb easy and normal pl got different?i got cc more than 1 year but not from rhb
This post has been edited by nokiaXP: Nov 9 2011, 05:37 PM |
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