[quote=aku46,Dec 28 2011, 11:52 AM]hire purchase (rm502/month) with cimb since august 2010 with good payment. never sangkut 
using credit card for around 6 months only with 1.3k outstanding. paying rm150 every month.
which bank?

[/quote]

I am from Alliance bank~ PM me your contacts, tomorrow morning i will call you.

Is it ok? thank you.

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Added on December 28, 2011, 5:59 pm[quote=redz,Dec 28 2011, 04:45 PM]
[quote=hidekoywk,Dec 27 2011, 07:08 PM]
Do you have credit card or any loan records more than 1 year?

ineligible might due to other reason.

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Added on December 27, 2011, 7:11 pm

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i was ineligible because my company doesnt have "sistem gaji" and staff is less than 15 persons - that is what been said to me by bank rakyat setapak.

i don't have any loan records and i just apply credit card - still waiting for approval.
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any suggestion which bank i should go?

so far as i know : cimb 9.8%, maybank 11%

[/quote]

Redz base on what you mentioned on the above, i would say the chances of you getting ploan is pretty low or close to 0.

This post has been edited by hidekoywk: Dec 28 2011, 05:59 PM

Hi,

Recently I tried to apply for personal loan and was targeting Al-Rajhi bank. They said with my current salary, they can offer RM13k.. the thing is and the most crucial prob I have right now is I don't have any CC or other loans that they can track my payment charges... (I never thought having CC will be an advantage ). I don't have any commitment ( and I thought that was a relief, but afraid not in this case...)

My question is... Is there any bank that don't require any other loan/CC statement for approval? with low interest (possibly.. huhu..)

Thank you.

This post has been edited by Mardya: Dec 28 2011, 08:04 PM

Basic Rm2k exclude some fixed allowance and CC limit 6k with good payment record, can get loan for max how much and what is the best rate ?

All the bank should follow this practice as it is a regulation set by Bank Negara.

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Added on December 29, 2011, 8:01 amCan you PM me your contact number so i can brief you further?

Thank you.

This post has been edited by hidekoywk: Dec 29 2011, 08:01 AM

i dont understand why, if it just because i dont have any loan (car, motor, house) or CC?

As personal loan is an non collateral loan, bank will need to justify your payment record base on any existing loan that you have.

If your record is way too clean, there is no way that they are able to judge your payment record and commitment.

That is where CCRIS come into the play.

Hope this will help. Thank you.

thank u for information. then i have to use credit card if it approve.

Credit card or loan record must be more than 1 year ya.

Are you from Alliance bank? will there be any rate changes next year for the banks ?

I see.. then all banks must have this obligations? have to apply cc fast and wait for another 6months (al-rajhi) to apply loan lor.. huhuhu.. which bank should I go to apply cc...? hmmm...

al-rajhi bank can apply pl for those work in sg?

finally now i know why ive been keep on rejected...its because of my score!!!! damn u score!!!!! even easy rhb rejected me ...anybody can help me????

score?your ccris not good or cc exceed 80% cl?

the banker said no ccris...my cc is mereley 40%

Most probably yes.

Guys,
Need some help here. I have tried applying loan 2wice but has been rejected by OCBC and Bank Islam. I have got a personal credit card which limit is 7k but i overused till 7.3k (additional 300). I have been paying more than the monthly minimum payment. Next month the credit card will be less 7k and it will be active again.

I have got a company AMEX card which has got about RM100 outstanding. My company suppose to pay it but HR is talking cock now. So i will be paying that amount next month also.

I got a RHB credit card which i have canceled about a year ago and paying monthly to RHB without fail. I have got another 4k to settle for RHB i think. RHB one is something like term loan.

My car payment also never late. All on the dot. I went to Bank Negara and my CRISS report was all zero (0). I need about 20k loan. Urgent!. 3-4 years i pay back.

Is this possible ?? can anyone help!! dam its hard to get a loan. Any assistance is deeply appreciated.

Cheers

Scoring problem, your credit card already exceed limit. try to clear below 50-60% might got chance.

no wonder la... how if i apply loan for 20k and ask to clear off my personal credit card which is about 7k. Can the personal loan clear my credit card and give me the reminder 13k?

is there any bank staffs over here who can help me. My gross is 5k

You have to clear first before apply

how can i reject a personal loan always offer by bank ar??

like hsbc, citibank, heong leong bank??? they will keep calling 2-3 times a week to my mobile. anyone face this? how to stop them to calling? thanks